Can I still try to seek a settlement ?

Reach out to the attorneys representing the creditor. They will be able to get a response to any settlement offer much faster than you trying to...

Will I loose this money when I file for bankruptcy?

The answer depends on the amount of the settlement and any other assets you may have. You will be able to keep some or all depending on the...

Debt Relief Agency or Bankruptcy path

Most Bankruptcy and debt relief attorneys offer free consultations either in person or by phone. Find one with good reviews and reach out to get...

How do I get debt collectors to stop sending me collection notices?

Most attorneys allow bankruptcy payment plans. While you are making payments, you can refer all creditors to your lawyer. Your lawyer can also send...

If you have lived in CA for the last 2 years you would be eligible to claim CA exemptions which would protect the $3500 and all the other assets...

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I need advice on filing for bankruptcy?

Most attorneys offer free consultations either in person or by phone. Take one up so you can get answers to all of your questions and decide what’s...

Can I lose my car if filing for bankruptcy ?

Depending on the value of your vehicle and what other assets you own chances are you could eliminate your debt and keep your vehicle. California...

Disposable income for chapter 7?

I agree with Mr. Whitaker only her contribution towards your household expenses would be included and with the income you describe it wouldn’t be a...

While I agree with the information of the other responses in general, more information is needed to properly answer your question. Specifically,...

What is is likely to happen with this outstanding credit debt?

The fact that you are in a debt consolidation program does not prevent those creditors who aren’t participating from pursuing collection activity...