I'll give everyone a quick outline about my assets and income. I am on Social Security Permanent Disability. I get $860/mo. I own very little. I have a 1976 Mobile Home in a park, (homes like mine are going for $5000 MAX.! There is one down the block that is free!) I have a 1993 Jeep Cherokee with 251K miles on it, and a small utility trailer.
Naturally I have the usual houshold items, furnature etc... That's it.
I have about $20K in credit card debt! I have been using a debt settlement company for a large chunk of this debt. But have been struggling to pay the $253 a month to them plus pay my lot rent, utilities, insurance, gasoline etc.
About 3 yrs ago I filed bankrupsy (Chapt. 7) and it is discharged. So it's too soon to go that route again. So most of the cards are in collections now. The only card I still use is one with a $250 limit and the balance is under $100.
My question is... what would happen if I just stop paying on the cards? Will they toss me in the klink? They will try to garnish my checking account, but that's empty on the 4th of the month and the only thing that goes in is my SS check. Will they try to take my home? My Car?
What should I do? How much trouble will I get in? Should I get a lawyer?(I can't afford one). I want to put all this behind me and just keep my little card incase I need gas or a tire etc.
Thanks in advance................ Bob
Naturally I have the usual houshold items, furnature etc... That's it.
I have about $20K in credit card debt! I have been using a debt settlement company for a large chunk of this debt. But have been struggling to pay the $253 a month to them plus pay my lot rent, utilities, insurance, gasoline etc.
About 3 yrs ago I filed bankrupsy (Chapt. 7) and it is discharged. So it's too soon to go that route again. So most of the cards are in collections now. The only card I still use is one with a $250 limit and the balance is under $100.
My question is... what would happen if I just stop paying on the cards? Will they toss me in the klink? They will try to garnish my checking account, but that's empty on the 4th of the month and the only thing that goes in is my SS check. Will they try to take my home? My Car?
What should I do? How much trouble will I get in? Should I get a lawyer?(I can't afford one). I want to put all this behind me and just keep my little card incase I need gas or a tire etc.
Thanks in advance................ Bob