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I heard that if a collection agency has a license in NY they are able to collect in 22 other staes. Is this true and do you know what those states are.

My financial situation has gotten to the point where I am thinking of filing for bankruptcy. I get collection calls every day, a lawyer is threatening to sue me, and according to my credit report I have about $20,000 of consumer debt. About $5,000 of that is a car loan that I am current on; the other debts are charged off credit cards, medical bills, etc. I also have $20,000 of student loan debt, and about $12,000 in back taxes that I owe. (I'm not sure of the exact amount -- I haven't filed taxes in three years because I'm scared to find out how much I owe.) Should I consider filing for BK?

I am about to go to a bankruptcy attorney and I have been reading the blogs. One of them said that the chapter 7 was dismissed because there was no proof of income. We own our own business and are on lean times like everyone else. If we are not receiving much income what does that mean. How can we show proof when there is not much to show. I thought that was what bankruptcy was for. Please respond.

Yeah! I finally got my PIF from Impact Cash! (see below) With rollover/fees/interest, I had paid 457.20 for a $300 loan. No sooner did I receive the PIF, I receieved an email saying was approved for a new loan! LOL-yeah right. Thank you for all the advise, one down four to go!! ------------------------- [size=3]Dear ******, We are sorry to hear you have not been satisfied with your experience with Impact Cash USA. We have reviewed your account, and we will mark the account settled at what has been paid.