hi
i have a ton of unsecured debt, on 12-7-09, i had $22000...not since no had got a payment due to umemployment, its probably close to 25000 or 24000....
okay...i just got a job today, 7 months of unemployment...
can i call each creditor and resolve my debt with asking forgiveness, and pay off 10,000 dollars, giving each a per centage based on what part of the debt they represent...ask for a year to do this...can this be done,,,,,i would also state, if no, then i would have to pursue bankruptcy?
also,,,if i do declair bankruptcy in arizona...4000 dollars allowed in exemptions....i have 3