If the creditor is going to sue, it's most likely a decision they made irrespective of your phone call. In the meantime, you should look into...

Can I do a face-to-face bankruptcy creditor meeting by skype/ video conference, or have it waived entirely?

I would suggest you speak with an attorney in that PA district, as there may be an issue whether or not you can even file there. If you can file,...

It's possible that a portion of your refund wasn't exempt. If you retained an attorney, s/he should have discussed this with you before filing. ...

I am filing for bankruptcy and I am married. I do not want to encumber my wife so is it best to state that we are separated?

You need to truthfully disclose all information requested. As my colleagues have stated, the petition, schedules, and supporting documents that...

I have medical debt in collection can I be forced to pay?

The creditor could choose to file a lawsuit and obtain a judgment, which would allow them to garnish wages, levy bank accounts, and place liens on...

Is it advisable to try and settle with debt collector?

Many creditors will settle for less than current balance so it definitely will not hurt to call. If they won't settle, most will at least offer a...

Received a levy on my bank acct for a c.c. judgment, can they only take what was in the acct the day they received the levy?

As the other answers stated, the judgment creditor can levy your account again, garnish your wages, and/or place a lien on your real property until...

Both attorneys Elie and Steingraber are correct. You should get help from an attorney. Petition preparers are just that, they take your...

Can I file for bankruptcy online?

There are many things involved in preparing a Bankruptcy petition, schedules and supporting documents - it's not a simple fill-in-the blanks...

Need to file Bankruptcy but also expecting a workers comp settlement. Can it be seized if I file Chap 7?

There are exemptions that protect certain assets in bankruptcy, and although some protect 100% of a worker's comp settlement, some do not. And...