I am starting to wonder if I should even bother to file for BK (chapter 7). I don't know if I will ever get sued by any of these banks although I do owe BofA about 25k. If I were to get sued, then I guess after that point I could file the BK. Am I missing something here? What is the disadvantage of waiting until the banks win a lawsuit against me, assuming they decide to go that route. The phone calls don't bother me, because the number they use goes to an answering machine.
Second question: I am in CAlifornia. How long will I be under the threat of lawsuit? At some point if that threat is gone, then I will just have to put up with phone calls I suppose and that I can deal with.
Thanks,
Second question: I am in CAlifornia. How long will I be under the threat of lawsuit? At some point if that threat is gone, then I will just have to put up with phone calls I suppose and that I can deal with.
Thanks,
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