Question for those who stopped paying c.c's before filing BK7

[cj0203]

I stopped paying in january and so far I've only gotten a few calls total. I am not sure who it is because they never say in the messages, just that it's important to return the call.

I'm nervous now because we had planned to file in March so we stopped paying but now we might need to wait until May now. I am just hoping to avoid lawsuits/garnishments, etc.

[Cali]

Put an attorney on retainer. It might take you a few months to pay the entire fee anyway. Best thing we did. Once I had an attorney, I told them we planned to file Ch 7 and gave them the name and # of the attorney and no more calls at all.

And, hoenstly, 2 months late I wouldn't worry too much at all.

That is what we are doing.

[justplaintired]

We had never been late on a payment either. Only by a couple of days and never long enough for it to show on our credit report. Once we made this decision, our attorney advised us to not make anymore payments. We had already stopped using the cards for the most part, I think we made 1 or 2 charges after we stopped. On charge actually went threw the same day we made a payment.

This was in Jan. We hope to file anytime now. The attorney has all our papers and as soon as we can get everything in order we will file. The paperwork we filled out was unbelievable, but that's another story.

Phone calls started within a few days of being late. At first we ignored them, then after getting 5-10 a day, we couldn't take it anymore, so we answered and told them the truth. We told them we couldn't do this anymore and had hired an attorney. Everyone was nice, very nice actually, even had a few tell us they understood. They ofcourse took the attorney's name and number. I mean for what we are paying, why shouldn't he have to deal with them??? He told us to refer the calls to his office when we paid him in full back on Feb 14th. Happy Valentine's day huh?? Anyway, I dreaded those calls, having never gotten them before I was worried and scared, as it turned out, they aren't near as mean as I thought they'd be. I broke down and cried a couple of times on the phone, I hate this whole thing. My parents didn't raise me to run away from a debt, but this has been a living nightmare, and we just had to do something to save ourselves.