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I have two cards with Capital one. I do work and am paying a personal loan with upstart and current on that. Only one cycle late on the two cards though. Are they more likely to sue knowing that i am paying the loan still, and that i have already filed chpt 7 before?

One card balance is 6K
Card 2 is 10K

Last time i tried this they wouldn't work with me at all and i did chpt 7 out of fear. All the way up to charge off they never offered me a single deal. i tried everyday between day 120-180. I only can take home 400/month if i dont pay my cc. so if i got a 50 percent for card 1, i would have no money for card 2, i am not sure how mpeople get that much money saved so quick. They also called my parents right when sold to collections but i already filed chpt 7 6 years ago so i didn't worry. Can they still do that nowadays?

This time i want to achieve a settlement, 40 percent woudl be absolute fantastic i have had a rel tough time and tons of car issues totaling thousands. I do work, but with my far commute and rent i basically break even every month. Any advice when to call where they will actually be open to a deal?




Since you have filed bankruptcy, they are not entitled to call you for the money or disturb your relatives for money. If they are harassing you for the money or giving your threats, inform the bankruptcy attorney to take the action against them. Consult with the attorney to get the best advice on it.

Sub: #1 posted on Thu, 05/31/2018 - 06:00

Sanders Patricia Sanders Patricia

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Are they more likely to sue knowing that i am paying the loan still, and that i have already filed chpt 7 before?


They are not going to sue you now. You are just one cycle late. It isn't a big deal. Usually, creditors are not open to negotiations before 3-4 months. Since you're not confident, so you should hire a settlement company. They can do a better job.

Sub: #2 posted on Wed, 06/13/2018 - 00:14

SC SC
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