About 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.
Question I have been making monthly payments to a Mental Health Clinic and have a outstanding balance of 1100.00 they keep saying I owe them 1400.00 though I have shown them previous bills stating otherwise. Today I received a letter giving me 8 days to pay the 1400.00 bill or they are sending me to a collection agency as of June 1. They keep ignoring the fact that its only 1100.00! I also have great credit and don't want that ruined over a billing dispute. What happens to my credit rating once they send it to the collection agency? This letter also contained language that attacked me personally along with the collection threat. I worry about how this could snowball.
Answer Not to worry so much about this. And don't pay them any more - obviously it is not doing you a whole lot of good in this situation. It is very possible that any damage that they oculd have done to your credit rating has already been done - but in this case my bet is that they are bluffing. Even if they turn it over for collection, it will not necessarily be devastating to your credit report. In fact, once they turn it over to collection, you actually have more rights in dealing with them than if the primary creditor had retained the account. There are a couple of things you cdn do, but it would be easier to explain this on the phone. Call me on my cell if you like. 661 492-2673
