Think this Letter might work from my creditors,before I after to find a lawyer

[ulita]

I like to work out a deal 100 for the down payment ,60 in month it must be in writing.I make $ 8HR I work 4hr a day ,5 days a week.I am a sub lunch aid and i may not work every day""right now they have work for me.I also plan to send my pay stub. If they say no I have to to do a Bk.I told them I was sick for 3 years and this is the only work I can get right now.Any tips

[shark66]

Having read your other posts, I'd honestly suggest that you forget about writing letters and dealing with creditors, and just file BK, sooner the better.

You sound like Ch. 7 material that most attorneys would take for a "no-look" fee.

Good luck.

[frogger]

The creditors don't care about you or your situation. I would agree with shark above that you probably just need to go ahead and file. Don't give them any information about you......

[AngelinaCatHub]

In most cases those who do them selves in do it with their mouths. That goes for many things. As stated by all above, DON'T TELL THEM ANYTHING ABOUT YOU. They will use it against you. 'Hub

[SunshineGal]

I like to work out a deal 100 for the down payment ,60 in month it must be in writing.I make $ 8HR I work 4hr a day ,5 days a week.I am a sub lunch aid and i may not work every day""right now they have work for me.I also plan to send my pay stub. If they say no I have to to do a Bk.I told them I was sick for 3 years and this is the only work I can get right now.Any tips

I agree with the other posters that the creditors don't care, save your stamp and the $100 down + $60 per month payments. Research your states garnishment laws, in most states the creditors have to leave you minimum wage x 30 hours, and if you are only working part time there probably isn't any money for them to take.

[SunshineGal]

In most cases those who do them selves in do it with their mouths. That goes for many things. As stated by all above, DON'T TELL THEM ANYTHING ABOUT YOU. They will use it against you. 'Hub

Too funny! There was a line in a book I read, a fish was mounted on the wall in an attorney's office and the caption read "If I would have kept my mouth shut I wouldn't be here."

[tobee43]

Too funny! There was a line in a book I read, a fish was mounted on the wall in an attorney's office and the caption read "If I would have kept my mouth shut I wouldn't be here."

that REALLY is funny SG!!! LOL!!!!

op...don't waste the ink or your time....you can write, send cert letters...they don't care and they will continue to do what they chose until you file or pay them in full. (best of luck with it!)!

[treehugger1]

Unless you are ordered to under law, do not send them a copy of your paystub. If they want that information, then make them work for it through the courts.In the meantime, file for BK 7 and put this behind you.

[GoingDown]

I agree with the above posters.

Let the next thing they hear from you come directly from the bankruptcy court, notifying them that you have filed Chapter 7 bankruptcy.

Remember anything you say or write to a debt collector can and will be used against you later.

[ulita]

Thank you all, not sure what I am gonna do but I did check in my state they can't hold on your wages if you make 154 a week,i think less then 7,500 a year. I am a Lunch aid Sub, the most I can gross is 160 a week if they use me all 5 days . There is know school in summer.As I look for a lawyer. I wonder what the creditor will do if the courts say she is to poor to Garnish ,

[AngelinaCatHub]

Ulita, I'm not sure how much you think you owe, but I don't think you are (excuse this expression, only rhetorical) worth a law suit for what you do not have. Perhaps just stop paying, take care of yourself, and see what happens. Time is on your side now and with what you don't have, you are collection proof anyway. If you do get sued, respond, and tell your story as you did here. If you do get a Judgment, handle it when you have something to lose. As of now, there is no collateral to get from you. I wish you good fortune, and welcome to our Forum and hang around and learn. 'Hub

[merime]

I know how you feel. Resist the urge to plea with creditors. It does not work. I make $9.00hr, tons of debt and no assets. I went back and forth for months on what to do. I just went to court with Citi this past Monday. Guess what-they could care less aboutyour "situation". Think of every collector as nothing more than an automated response. Save yourself first, then worry about yor debt. Good luck. Never feel like your alone.

[ulita]

Thank you all this is what I did I call one of the credit at First they said what i wanted to pay was to low,but then I said I make less then 154.50 a week now they want to talk because my State want let them garnish someone who makes that less I got 2 more creditor ,i see what they say

[ulita]

Oh Boy, you guys are so right, it look like I had a deal change from day to night.I think the person Boss said NO!! Will it is time to talk to a lawyer had to try,but the broke me down

[frogger]

Stop talking to your creditors.........