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    #1

    ??local credit union??

    Hello everyone - I'm going to make a long story short (as I can)

    HOPEFULLY I'm filing Ch 7 at the end of Sept. Meet with atty again around Sept 15th.
    Spouse is in Ch 13 (long story)

    ANYWAY - owe about total $5K to credit union (local) for credit card and loan. Finally made contact with their collections person about 3 months ago. Sent them $50 per month as I could.
    THEN last month (because spouse's flex spending place screwed up) they got $700 and change!!! for a flex reimbursement that we should have gotten - despite our best efforts, flex place didn't/had not changed the direct dep info.

    At any rate, I thought that would hold them off at least for a while. I mean they got almost $800, which covered ALL of the late for the loan, and the credit card is now "only" three months late.

    So lo and behold, I just got the form email from CU collector to please contact CU about my account.

    I really really don't have even $50/pay to spare on this but...I don't want them to sue...it's easy enough here...

    So...what do you guys think?

    Maybe contact them late next week? See if $50 buys more time?
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    #2
    If you're filing BK in September, do nothing.

    Even if they sued you today, they wouldn't be able to get a judgment before you filed BK. Once you file BK, if they have filed a lawsuit against you, you simply notify the court officially that you filed BK and the lawsuit stops dead in its tracks.

    And this is why you never give a debt collector access to any of your accounts. If you choose to pay a debt collector (I wouldn't voluntarily pay them ever!), then pay them with a money order.
    The world's simplest C & D Letter:
    "I demand that you cease and desist from any communication with me."
    Notice that I never actually mention or acknowledge the debt in my letter.

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      #3
      THANKS!!!! That's what I'm thinking...but I don't see atty for another month on my case...and of course they'd get money order!!!

      Comment

        #4
        Maybe you should contact them and explain that you are unemployed and simply cannot pay anything at this time. I told my creditors that, when I quit paying, even though I was still working but my hours had been cut and I couldn't afford the payments anymore. Every time they called, I just repeated the fact that I am out of work and after paying for rent, utilities, and food, I don't have a dime to spare. The calls diminished, and eventually stopped, and now more than 2 years later I STILL have not been sued!

        Comment

          #5
          Originally posted by bcohen View Post
          Maybe you should contact them and explain that you are unemployed and simply cannot pay anything at this time. I told my creditors that, when I quit paying, even though I was still working but my hours had been cut and I couldn't afford the payments anymore. Every time they called, I just repeated the fact that I am out of work and after paying for rent, utilities, and food, I don't have a dime to spare. The calls diminished, and eventually stopped, and now more than 2 years later I STILL have not been sued!
          That may be what I have to do...I have to at least stall them until I see atty again...

          At any rate, I'm not doing anything until next week. I mean it's already Thursday...

          THANKS!! for the advice bcohen (and all!)

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