i need help with credit issues consumer credit counseling won't even help me sort through my bills?

Question

I am at my wits end I have tried everything I spoke to a lawyer about bankruptcy and she said i would end up having to pay everything anyway so it would be a waste of time and money to file what should i do. i would pay them but i can't afford it otherwise i would pay them

i don't have credit cards i don't believe in them and i couldn't even get one if i wanted my bills are legit not because i was frivilous but because i was sick for many years i still am sick but not as bad but there are 12 yaers of bills that i couldn't pay and now i am in over my head

most of my bills are medical and utilities

Answer 1

Chapter 13 is where you pay all your disposable income, Chapter 7 is when your debts exceed your income to where you could never pay them off. I would look into debt settlement if I were you. There are a few companies out there that will negotiate a pay off to your creditors, one at a time for a lot less than what the creditor is asking for. Also, look into the fair debt collection practices act. You have rights. If you don't want them calling you at work, tell them so. If they continue to harass you, document it. If you get a collection letter, respond in writing and make them verify the debt. They will have to provide proof to you in writing. There are some forms on the web that you can use to generate a letter to a creditor and it will at least give you a month or so with no phone calls from that creditor. Educate yourself regarding collections. I feel better knowing my rights. Whatever you do, don't do any payday loans either. It'll make matters worse. Good luck, and hang in there.

Answer 2

Here you can compare different options try it is free CREDIT-COMPARE.NET-

RE I need help with credit issues consumer credit counseling won't even help me sort through my bills?

I am at my wits end I have tried everything I spoke to a lawyer about bankruptcy and she said i would end up having to pay everything anyway so it would be a waste of time and money to file what should i do. i would pay them but i can't afford it otherwise i would pay them

Answer 3

properly, CCC will bypass on your credit that you used them like a financial disaster very just about and some lenders in the destiny will shy away at the same time as they see you used them. i comprehend creditors are really stressful, yet you may tell them to handle you basically in writing, and that in the journey that they call decrease back you'll press expenditures, and so on. in the journey that they nevertheless proceed to bother, you would possibly want to need to adjust your volume, and tell the phone company you want it deepest. CCC oftentimes negotiates with the lenders a decrease contract/fee plan operating example knocking off the pastime on a mastercard, and then you ought to deliver funds. when you're positive you may easily make funds, then you might want to even call each and each collector tell them seem it really is all i visit pay, yet i need to artwork something out, and get it in writing from them the deal you're making(that that they had rather take something than no longer something in any respect), and in case you basically don't have a dime, you ought to both evaluate financial disaster, or replacing your volume-and by no skill making any deals with them for 7 years(every time you do-it renews the 7 years all yet all over again) till it erases out of your credit record, and till then bypass funds basically, and get decrease back on your ft. Dont' enable them intimidate or scare you. you may continuously record any unprofessional pastime to the FCRA. seem on their cyber web website for more desirable innovations. I mean, those lenders won't be able to get any water from a dry properly precise? each from time to time we get subsidized right into a nook, and sense they're all out to get us, yet ultimately, it is going to workout habitual.

Answer 4

Consolidate your debts, dont opt for bankruptcy:

Credit Card Debt Consolidation Loan
When using the credit card, people ignore the consequences of using the card too often. Frequent use of credit card causes bills to be accumulated and worsens your credit score. Besides lowering ......

Answer 5

Is your mom still doing your laundry? You own a computer, (maybe?) with all the tools you'll ever need to do a budget. Just pay them something each month and burn or cut up your credit cards. Geez...

Oh, and don't spend more in a day than you make!

Answer 6

I'm a little surprised that your bankruptcy attorney advised you not to file.

What sort of debts do you have? You imply you have no credit card debts....are most of your debts medical related?

Need more info to give any decent advice.