How can I buy time? Here's my situation....

[awnmwn]

We are needing to wait until October, preferrably November before filing, but we're thinking we don't have anywhere near that long before credit cards/medical bills come after us harder than they are now.

We are almost 30 days past due on 2 our of CC's (5k & 9k)and over 180 days with 1 card (10k). The third card has been turned over to a CA & they are calling numerous times a day. Actually, all 3 are calling numerous times a day. There is no way we can keep up with payments because employment is very unstable right now, but I am wondering if sending a payment every other month would help hold them off if we were able to even afford that.....what about partial a payment??? What about the CC we have in collection that is over 180 past due though........should I contact them or just tend an x amount of dollars?

In reference to the medical bills (4k), the CA's are calling all the time too, so I don't know if I should try to set up something with them or not?

I'm very overwhelmed & just want this all over with, but really need to wait until this fall if we can. (not due to income)

[ejhamilton]

We are needing to wait until October, preferrably November before filing, but we're thinking we don't have anywhere near that long before credit cards/medical bills come after us harder than they are now.

We are almost 30 days past due on 2 our of CC's (5k & 9k)and over 180 days with 1 card (10k). The third card has been turned over to a CA & they are calling numerous times a day. Actually, all 3 are calling numerous times a day. There is no way we can keep up with payments because employment is very unstable right now, but I am wondering if sending a payment every other month would help hold them off if we were able to even afford that.....what about partial a payment??? What about the CC we have in collection that is over 180 past due though........should I contact them or just tend an x amount of dollars?

In reference to the medical bills (4k), the CA's are calling all the time too, so I don't know if I should try to set up something with them or not?

I'm very overwhelmed & just want this all over with, but really need to wait until this fall if we can. (not due to income)

It's been 2 years since our last credit card payment. After a year, the letters and calls died down.

They are coming at you hard at first because they know you are scared. I wouldn't talk to them. What's the point of that, unless you are going to arrange a monthly payment. They won't accept every other month.

Write to them and tell them to stop calling. They will only be permitted to contact you by mail at that time.

Just make sure you know your rights. Not all collection agencies follow the law.

The only time you need to worry is if they actually file a suit. And even if you do get sued, you can probably postpone the court date a few times.