I am wanting to file Chapter 7 in late March or April, to get past the 90 day mark on last purchases, and get the lawyer paid. I am thirty days late on all my cards....coming up on missing a second payment the next few weeks..........robo calls have been coming. Answering machine picks up. I retained a lawyer last week, and he said its OK to tell callers that I have retained, and give them his number. Still, I just haven't pulled the trigger on picking up just yet. Somebody give me a nudge!
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North Carolina -
They really don't care until you have filed and have an case number. Why bother picking up at all?All information contained in this post is for informational and amusement purposes only.
Bankruptcy is a process, not an event....... -
I will say this, with only a 30 day late on the cards, most OC are very mild at that point and very easy to talk to.Comment
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Almost all of our calls stopped after giving out the attorney information.Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."Comment
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And your phone will continue to ring, so if it's no bother for you, then don't pick-up. However, once the creditor(s) is/are made aware that you have an attorney representing you in BK proceedings, the calls will drop off and eventually cease. IMO, that''s better than constantly checking the caller ID. You have more peace and quiet.Bankruptcy History:
Chapter 7 filed - 10/12/2005 - Asset
Discharged - 02/16/2006
Case Closed - 11/08/2007
A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain
All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.Comment
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