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Question
I got a credit card under my husbands name.I did not tell him about it at the time.I lost my job and have not been able to pay.It is now in the hands of a collection firm and I have been trying to send what I can.They want me to send 4000.00 dollars and pay 900.00 a month.My new job does not pay enough to send this amount and still be able to pay my other bills.In the mean time my husband and I have separated and the collection agency is telling him to file a police report and press charges against me.I have talked to the agency and told them I will continue to send what I can but they are saying that is not an option.I am at my wits end and don't know what to do.I only bring home around 658.00 on the tenth and twentyfifth of the month.What I did was wrong and I know very against the law but I can't undo it now.Are there any solutions to my screwup?
Thank you for your time
mary cornelius
Not to worry so much. The collection agency is bluffing about anyh violation of the law here. What a great job they think they have - telling you to file criminal charges against your spouse. These people have no shame.
I doubt the police would do antying about it, and besides, there are other things you can do to put this mess behind you - and I don't mean by paying them off. In fact, if you call me I can show you how you will not hear from them again, and it will just take a letter to them to make this happen. I won't even charge you. Call me on my cell phone. 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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