Hi,
I did it all on my own. Have been procrastinating for months to do this, but in light of the new law I was motivated to get all the paperwork and file tomorrow.
basically I had tons of credit card debt and some student loans.
I downloaded the forms from the internet and filled them out.
The most frustrating thing was - getting information about who has my debt. Some creditors would not give address informaiton and some have sold the debt to another collection agency, which sold it to another - so I had to be a spy to figure out who owns my debt and where it is now.
NCO sytems was a major problem.
So it will cost me $209 to file tomorrow. I have to go to kinkos and make all the copies.
Thanks for all your support.
I did it all on my own. Have been procrastinating for months to do this, but in light of the new law I was motivated to get all the paperwork and file tomorrow.
basically I had tons of credit card debt and some student loans.
I downloaded the forms from the internet and filled them out.
The most frustrating thing was - getting information about who has my debt. Some creditors would not give address informaiton and some have sold the debt to another collection agency, which sold it to another - so I had to be a spy to figure out who owns my debt and where it is now.
NCO sytems was a major problem.
So it will cost me $209 to file tomorrow. I have to go to kinkos and make all the copies.
Thanks for all your support.
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