Feeling a Sense of Urgency

[danaf]

after reading how people are getting served after only a few months. While others seem to be able to go a long period of time with nothing happening.

The phone calls aren't bothering me. I just let them go to my voicemail.

But I'm nervous because I'm going on my 3rd month of not paying. I know I just need to calm down and start the paperwork.

[cool33097]

You have to get ready in case you need to file immediately. Other than that, getting nervous will not help or resolve. "I know, easier said than done", but there is nothing than you can do other than be ready. Do you have a plan? Lawyer?

[ssdsco]

Knowing that I have several months from the time the summons is served until garnishments, raiding banks accounts will start gives me peace of mind. You have a couple months notice to take your next step, file BK, clean out your accounts or whatever your plan is.

[DebtorDan]

FWIW, we just filed this week and stopped paying on our unsecured accounts back in June. Our voicemail got a lot of calls, and a few of our accounts just charged off on the last month, but nothing more drastic than that. I was hoping we'd avoid charge offs, but our incredibly SLOW attorney didn't help out in that regard.

[danaf]

yeah - it's just stupid paranoia I guess. The thing that bothers me is that the only number a few of them have is my work number at this point. I have no assets but I've got a job. But I guess they know too if they try to get a judgement that I will go out and file so I shouldn't feel so stressed.

on the other hand, I am anxious to get this behind me and move forward. I can't see dragging this out for many more months.

[Bandit]

yeah - it's just stupid paranoia I guess.

I get like that. I could be somewhere and feeling all fine, then look up to see one of the banks I owe across the street..."They're coming to get me, They're coming to get me."