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I'm currently working with a bankruptcy attorney but my income doesn't qualify for chpt. 7 bankruptcy and time is just ticking away. So I'm thinking of negotiating a debt with the creditor instead, but can I request my current bankruptcy attorney to help negotiate? or am I better off negotiating myself since 'debt negotiation' is not his specialty anyway or he may be careless anyway since I'm not filing bankruptcy anymore?
I heard negotiating on credit card debt that already has judgement is a tough one. Are there
any tips on settling this type of debt for a less amount? There are 'debt settlement or
negotiation' companies locally that I've talked with, but there are a lot of advices online to avoid them as they won't do the job they promise whyile taking my money away. Please help!