As stated by Attorney Strauss, the information you provided sounds like the Plaintiff/Creditor has failed to serve you and the Court is considering...

I agree with Attorney Steingraber. While Chapter 13 might be an option to consider, there is much information that is needed in order to...

You have been provided with great responses. In order to really make the best decision, I urge you to consult with an experienced chapter 13...

Your instincts are good - get a written agreement. Is the collection agency representing the original creditor or did the agency "purchase" the...

Your submission is very confusing. Unfortunate that you did not treat the transaction with more thought - not a good idea to loan money to...

It should be clear to you from the responses, that consulting with an experienced bankruptcy attorney as soon as possible is your first step. ...

You have received good answers from my colleagues. So you understand a bit more - when filing chapter 7, the benefit that your personal liability...

Although bankruptcy may be an option, depending upon your overall financial issues (more debt, no income, etc.), this debt is comparatively small...

I too agree with my colleagues whom have provided the initial responses - particularly with the recommendation that you consult with an experienced...

It is a good idea to try to settle. You say that they have offered nothing - have you proposed a settlement? If they don't file an answer,...