Also, in most cases you don't have to retain the attorney for the calls to end simply tell them you are filing and they will usually stop calling for fear of violating the Automatic Stay. At that point they will call your attorney or ask did you file at which time he will say yay or nay and if you plan to file.
Any payment you make within the 90 days immediately before filing can be refunded to you. Regardless of whether or not you plan to include an account in Bankruptcy filing all of your creditors will be notified which may result in all of your accounts being closed.
Take heed to what you purchase on the credit card at least 6 months immediately before you file if it is over $1000 in total and not deemed a necessity you can and might be sued. If you have a car the bank MIGHT require you to sign whats called a reaffirmation agreement which will be filed with the court and simply state you agree to continue to pay monthly and that debt will not be discharged in the bankruptcy. Also be sure to verify which of your accounts are considered "secured" debt those types of accounts are sometimes not discharged in the Bankruptcy.
If a collector is calling your job when you tell them ONCE verbally to stop and that your employer prohibits those types of calls- they MUST stop immediately. You dont' even have to be the one to tell them you can have ANYONE answer at your office and simply state that. Be mindul to log the time and date and maybe the reps name and if you receive another call any day after that advise again-keeping a log will help them be able to prove (most calls are taped) that you were called even AFTER you advised them not to call you at work (lawsuit). You might get 1 or 2 more calls (dialer) that day but anything more than that is lawsuit material.
Any payment you make within the 90 days immediately before filing can be refunded to you. Regardless of whether or not you plan to include an account in Bankruptcy filing all of your creditors will be notified which may result in all of your accounts being closed.
Take heed to what you purchase on the credit card at least 6 months immediately before you file if it is over $1000 in total and not deemed a necessity you can and might be sued. If you have a car the bank MIGHT require you to sign whats called a reaffirmation agreement which will be filed with the court and simply state you agree to continue to pay monthly and that debt will not be discharged in the bankruptcy. Also be sure to verify which of your accounts are considered "secured" debt those types of accounts are sometimes not discharged in the Bankruptcy.
If a collector is calling your job when you tell them ONCE verbally to stop and that your employer prohibits those types of calls- they MUST stop immediately. You dont' even have to be the one to tell them you can have ANYONE answer at your office and simply state that. Be mindul to log the time and date and maybe the reps name and if you receive another call any day after that advise again-keeping a log will help them be able to prove (most calls are taped) that you were called even AFTER you advised them not to call you at work (lawsuit). You might get 1 or 2 more calls (dialer) that day but anything more than that is lawsuit material.
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