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I am filing ch #13 in about 2 weeks, 3 max. I just defaulted on two payday loans yesterday with NSF and haven't heard from them YET Probably 2 or 3 more Payday loans will default too in next 3 weeks. Since I am filing so soon is it best to avoid their call and not listen to their threats? What if they call me at work? Can they take garnishment action or any kind of real action against me that quickly?

I was served a summons for a lawsuit to collect a credit card debt I know that I owe, but cannot even make payments on due to our financial position. The amount owed is almost $18,000 and is the smaller of 3 other business debts I personally guaranteed several years ago to other banks. I am looking at bankruptcy, but how can I answer the summons without a lie about the debt. I'd like to buy some time to clear my head and speak to someone about bankruptcy. It appears to be my only solution.

File 7 a few years ago now 13. Both times were not due to excessive spending on luxury goods, but rather hardship of unemployment. Am I a loser and will the courts see me as one for coming around a second time?

All, I would like some advice from you here that most seem to be in worse problems than my son. My son owes ~$9800 on a credit card and has been late multiple times - but ever more than 2 months late. He lives here at home and has no bills at all - and except for lately has been making about $400 / week. I would think even now he is guaranteed about at least $200 / week for the remainder of this year. He is an immigrant - from the old Soviet - and really has no ideas at all how to manage his money - so this is the first problem.

HOW do you find out if an old debt comes under statute of limitation?

after judgment has been entered is it too late to ask for debt validation??is it too late to settle up? when is it a good idea to go bankruptcy?? i have a total of 3 judgments with 1 garnishment now..its baddd. :(

i have a judgment etc from these people too...now they threaten to arrest me with documentation from courts because we failed to send in the answers to the questions they ask..what can i do now?their website has no way of emailing them or setting up payments..although on their letterhead it says you can pay thru their site..any help would be nice..ty.

hello! i have noticed the last 3 months in our town the cops are going crazy with these rediculas speed TRAPS and tickets. We have this one hill in town that it is impossible to go 25 down over unless you are breaking the whole way and of course they set up a speed trap there and people are totally unaware that the nice guy dressed in regular clothes detouring you is actually detoring you to the cops.

I am about to file bankruptcy in next couple of weeks. I have just recently starting getting calls from debtors about 3 weeks ago. I have been avoiding calls and letting them ring. Oh and let me tell you I just defaulted with NSF in my account for 2 payday loans. I know they will be coming after me soon along with others. I have a mix of payday and regular credit cards. I want to know if since I am going to be filing in next couple of weeks, should I just avoid the callers?

I am a second time filer. I had a discharge 5 years ago in Ch 7 as a pro se filer - a no asset case. After getting my life back on track I had a 7 month stint of unemployment. I tried to pay back my debts, but there was no wriggle room and I eventually turned to Payday Loans to help make my payments. That of course has been a disaster, leading now to my 26,000 of unsecured debt. I feel depressed and what I need to know is according to the new BK laws it says that you can file 4 years after a ch 7, if you do a Ch 13 and will then qualify for discharge after your payment plan.