BAD situation BAD Lawyer advise help plz PLZ
Date: Sun, 03/18/2012 - 09:55
OK First TY for helping in anyway you can. Basically I needed to file Chapter 7 which was a hard thing to wrap my head around. I owed 30k in cc's and my mortgage of 135k with a 14k HELOC. I was really new to all of this and really didnt want to lose my house which I loved and didnt want to move my kids. My thought was if I include my house I was out on the street with my wife and kids. So, when the lawyer asked if I wanted to keep the house I said yes and he didn't say anything about that. So, I reaffirmed on House, HELOC, Car, and Motorcycle. (Cycle cause I only owed 3k on it) 1 yr later I lost my house to foreclosure. I know know I shouldn't have reaffirmed ugggh:mad:
Its been 3yrs since the discharge and I get a call from a guy from Apelles saying he was hired by Huntington Bank to collect on the 14k. I offered them 15% and he said I needed to send all my bank statements and what I pay in bills. I did this and they came back with a counter offer of $9500. I countered with $3500 and said don't call back if they don't accept since I can't come up with more than that. Well he didn't call back :cry:
Sorry for all the setup. My question is should I try and contact Huntington myself? Am I pretty much just screwed cause I did Ch 7. I can't afford to have my wages garnished.
Thank you for your help
Shawn
Its been 3yrs since the discharge and I get a call from a guy from Apelles saying he was hired by Huntington Bank to collect on the 14k. I offered them 15% and he said I needed to send all my bank statements and what I pay in bills. I did this and they came back with a counter offer of $9500. I countered with $3500 and said don't call back if they don't accept since I can't come up with more than that. Well he didn't call back :cry:
Sorry for all the setup. My question is should I try and contact Huntington myself? Am I pretty much just screwed cause I did Ch 7. I can't afford to have my wages garnished.
Thank you for your help
Shawn
There is no need to contact Huntington right now. Wait for a few
There is no need to contact Huntington right now. Wait for a few days. Let them call you first.
Chapter 7 is a complicated mess but I don't think you have to wo
Chapter 7 is a complicated mess but I don't think you have to worry about the collection agency. Wait them out, the more time you give it, the better chance at a lower settlement you will have.
