So I filed for Chapter 7 recently and one of my creditors promptly violated the automatic stay by filing to sue (contract dispute.) I called them to inform them that they were violating the automatic stay and I was hung up on repeatedly until I finally got one operator who said their legal team was handling it and I should just wait.
Should I file an answer to the lawsuit ($175 filing fee) or do I wait and see if it's handled by the courts?
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.