I just received a letter from one of my credit card companies which I haven't made a payment to in 5 months. I am not working and am considering bankruptcy as I owe a lot of credit card debt. The message reads:
"The delinquency on the above referenced account has reached a critical point...
I am on the verge of having to file bankruptcy in the next 6 months. I owe about 75k and there may be judgments against me before then by credit card companies. My father has died and my mother (92) is in a nursing home and will be totally out of funds in 6 months. My siblings, not aware of my...