We filed chapter 13 Dec 2010 the amount was 800.00 per month and a real struggle. 3 months later I got laid off but we managed to pay it. I have since found a new job but utilities and the cost of living is so much higher we have had a hard time. Our Lawyer told us to we had until June to catch up on the payments but just yesterday we received notice that the Bankruptcy was closed. Now what? Our Lawyer is on vacation and we have no answers. What now. Do we go to a debt consolidation agency? Will we now start to get sued? any help will be greatly appreciated.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.