Recent content by Sam51

That's a rough position to be in. You are very deep in debt plus you own more on your house than it's worth. I'd suggest you go see a bankruptcy attorney. Most will give you an initial consolation for free anyway. You could spell it out for an attorney in person in much better detail than you...

I'm not an expert or an attorney but I'd question a few things. Have you actually been served? If you have been served you will have an official document stating when the court date is. Or is this just a letter from a bill collector who also happens to be a lawyer? Try calling the original...

I'm not an attorney, but it sounds like these are all unsecured debts. Check out what the statute of limitations is in your state for unsecured credit card debts. Are there judgments against you? If there are no judgments and you have not reaffirmed the debt they probably are uncollectible. But...

Also don't at any time acknowledge the debt orally or in writing. If you reaffirm the debt it's possible they can hold you accountable for it.

Something similar to this happened to me about ten years ago in California. I bought a used vehicle from a dealer and used their financing. Then about three days later the finance guy at the dealership called me and said the financing wasn't approved. I looked back through my paperwork and there...

I've been unemployed for a while now, and my credit cards are now maxed out. I used them for both cash advances and regular purchases. Up until very recently I have made all payments and have not been in arrears. But I missed my first payment on a card about two weeks ago, and the credit card...