I filed chapter 7 sept/2010 it was discharged Jan/2011 . I had a house that was included in bankruptcy we moved out didn't want the house. The sheriff sale/ foreclosure was pushed back several times and still hasn't been foreclosed. Today i received a letter from a lawyer for the mortgage company saying there is a judgment against me filed in my local court for the balance on mortgage plus interest.
The letter says about garnishing wages etc.
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.
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The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.