We are not sure what to do. Don't qaulify for a ch7 bk, really don't want to do a ch 13 bk. husband got into a motorcycle accident, without pay for 1 month set us back, will have to pay some medical out of pocket and not sure how long off work, only has 3 months sick pay, has now used 1 month of it.
we had a ch 7 bk on 2001, a home foreclosure in CA in 2008, credit is a mess....we are now about 60 days late on 3 cc and just let our Lexus go back voluntarily. we did pay cash for a replacement car.
we have accepted that we will just live without credit in future, but want to make sure our cks are not garnished. we have no savings...is debt negotiation the way or wait to be sued and take chances then?
