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Question
We have recently been contacted by a law firm regarding a credit card balance. We have attempted to make payment arrangements as we did with the previous collection attempts, but they are refusing and demand that the balance or the settelment amount is paid if full. We are not able to do either. What steps can they pursue legally to collect? Also, can they ignore our attempts to arrange payments that we can afford?
They are not obligated to attempt to settle this case with you, but under the circumstances, their reluctance to negotiate with you may turn out to be a blessing in disguise given that you have options that will get them off your back without having to pay them a dime. Call me on my cell if you like. I will not charge you just to talk on the phone. If you call we can discuss this in more detail. It would certainly bae easier on me not having to type so much. My cell phone is 661 492-2673
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Answers by Expert:
John Hall
Expertise
Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and 13 of the United States Bankruptcy Code) primarily representing individual debtors with consumer debt or small businesses; Experience has included all aspects of debtor/creditor relations.
Experience
FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.
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