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I do owe money to FCNB, account being handled by a collection agency that calls many times daily and sends bogus court info. My question is, I have no money, no job, no assets - everything is my husbands and we can't afford to pay. That is the whole reason we quit paying in the first place!?!? So what can I do?

How do you know that the court information is bogus?

Sub: #1 posted on Tue, 09/02/2008 - 21:16

Lorri Lorri
(Posts: 1721 | Credits: )

If you have nothing to pay the creditor then the best option you have in front of you is bankruptcy. You can apply either Bankruptcy 7 or Bankruptcy 13. But you can avoid bankruptcy by going for debt settlement. So, you should look at different debt solution methods before opting one.

Sub: #2 posted on Tue, 09/02/2008 - 22:21

phoenix phoenix
(Posts: 1445 | Credits: )

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