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I have to many personal loans and pay day loans. 15K. If I pay back through a debt relief co can creditors still sue me.

Chowchilla, CA |

Got into mess due to pay cuts 60% and just paid off chapter 13 last sept.

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Attorney answers 2


If you settle with a creditor, payday lender, or a debt collection agency, then it should be clear and stated in writing, so that they later do not try to collect the rest of the debt. Please check out my links, below, the first is a legal guide on Avvo to settlement terms #3 and the other is my settlement pitfalls to avoid.

Robert Stempler (please see DISCLAIMER below)
Twitter: @RStempler

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Be careful with "debt relief" companies. Make sure you understand what they can and can't do for you.

If you are talking about a "debt settlement" plan, the creditors CAN sue you until a settlement is reached (if ever). If you are talking about a consumer credit counseling program (which would be odd, as they only work with credit cards), assuming the creditor will work with the agency, then you are okay.

I think you are about to spend money on a scam company that promises debt relief and you will end up worse off and getting sued.