Mandatory Bankruptcy Counseling

I have an appt Tues with a bankruptcy lawyer. I am currently in a debt settlement program but feel they aren't doing anything, especially stopping the phone calls. I have been with them since oct. Of course, their fees come out first. I would have to be in hte program for 39 months. I can't see a creditor waiting tha long. I am filing only for myself, not my husband. How long did it take from the time you saw a lawyer until you got to file? Should I still stay with the debt company until then? I owe about 43k. I pay the settlement co $627/mo. Do you think bankruptcy will lowere this? Thanks for all the help

Most of my debt is credit cards. Discover, Zales, & Chase. Does any one know if these are the ones that usually show up & make claim? I'm sure Chase will be after me since I've already let them know I'm with a debt settlement

I attempted to go thru a debt settlement company first. After about 6 months I got sued by one of my Creditors. It was then that I realized that they really weren't helping me at all. I contacted a lawyer, and about 5-6 weeks later, we filed. I of course stopped making payments to the settlement company right away, and I chose to close my bank account and open a new one just to ensure that no more of their automatic payments got through. I had additional reasons for closing the account, and the timing was right.

After your meeting, if you feel Bankruptcy is the route you'll take, I would recommend taking immediate steps to prevent any additional payments being made to the settlement company. I wish I had made the decision sooner myself, because by the time I ditched the settlement company, I had already paid them $6k. I'll be better off in the long run anyway.

Good luck to you.

We took our debtor education already, as soon as we got our case number. We used the same company and they gave us a 15.00 discount and only charged us 35.00. It sucked though, because me and the hubby did it online and it took two hours. We called in to get our little review and report done, and found out that we each had to do our own! We had to run it again under his number, but he did not watch it over again the second time, but it was a waste of time.