Long story short, I have been unemployed for 2 years. Now I am starting to get temporary work, so I may be able to dig myself out of 40K+ of 1 ½ years of past due credit card debt.
Yet since I have been getting credit collectors calling and writing to me for 1 ½ years, trying to get payment, I would like to see if I can get financially stable to try to work with these creditors, however I am going to need at least 3 to 4 months to see if I can get financially stable to work out payment plans with these creditors. However, it seems the only way I can temporarily get the collectors off my back is to file BK, but I rather not file BK (for reasons I will not go into).So I am hoping that even if I have to pay about $300 to file BK on my own, that maybe I “might” have some time to gain financial stability in a few months, to maybe withdraw my BK filing before it goes to court and then workout a payment plan with the collectors. About how much time does it take for a BK case to be heard once I file (I live in Los Angeles)? Can I withdraw my BK before my court date, if so, what are (if any) the repercussions by the court for withdrawing a BK filing?