called the credit card co today and explained our loss of income, as well as being permenant Do to our age and ability of husband to make any more then he is now . We can offer a small amount monthly to every one . living on $1000.00 month all of them say they are calling lawyers .and the amount we can pay is to low.Do we file bankrupcy ? I read you have to get counseling 180 days before you file?Or do we just go to court every time they summon us .and show the court . I living expenses and income ? recieved such comforting advice last eve . God bless all who took the time to answer . I called legal aid as was suggested . But they do not do banruptcy. Or credit council .Thanks again Patricia
2007-01-31 11:40:35 · 7 answers · asked by Patricia A 1 in Business & Finance ➔ Credit
They cant deny you even if you are paying a dollar. Most of the time they are bluffing when they say they are taking you to court because it cost them more money. Pay what you can and if court comes about, take records of your income and bills, and who you talked to on what day.
The judge will see you are making an honest living and paying an honest amount to a dept. He will rule in your favor.
2007-01-31 11:46:51 · answer #1 · answered by Jack P 3 · 1⤊ 0⤋
Once they issue a summons, you do have to go to court, and the whole point is to issue a judgment against you. The down side is that it also gives them the right to garnish any wages. If you have no other options, I would highly consider bankruptcy.
I'm so sorry for your situation. I was there, but young enough to get out of it.
You can email me anytime you need to talk!
2007-01-31 11:47:54 · answer #2 · answered by BMW BFD 5 · 0⤊ 0⤋
When you delay making the credit card payment, your card issuer levies late fees. These fees can be as high as $40 every time you fail to pay on time. This can burn quite a big hole in your pocket. Here are the few tips that can be used to prevent being charged late fees.
2007-01-31 16:59:55 · answer #3 · answered by seun u 1 · 0⤊ 0⤋
I am currently using Greenpath which is a credit counseling company. We have been in the program just over a year. I suggest them. We also tried to work on our own with the creditors and they do not work with individuals, just credit companies.
Good Luck.
2007-01-31 11:46:38 · answer #4 · answered by Anonymous · 0⤊ 0⤋
well if you can pay 100 on you CC deat and you owe more than 10,000 you not going to even pay the interest. go to court try to file if turn you a way then maybe the will tell you why like get A Creadit Council.
2007-01-31 11:49:06 · answer #5 · answered by derek48316 3 · 0⤊ 0⤋
get it in writing they should not reject any payments, if they do they are saying they dont want your money, then let them to court
2007-01-31 11:53:24 · answer #6 · answered by Gumbo 6 · 0⤊ 0⤋
i used clearpoint financial. their website is http://www.clearpointfs.com
2007-01-31 11:53:34 · answer #7 · answered by Beyond my control 1 · 0⤊ 0⤋