I have been planning on filing and am now unsure what to do. I have approx $30 in CC debt and i am not current on any of them as i planned on filing for BK. I had retained an attorney in SC but have since moved and they are no longer doing BK's. I had plenty of time to file so i dont blame them. They said i would not be eligible for CH 7 since i am single and make pretty good company. Should i try to file CH 13 or look into a debt consolidation company? And are there any debt consolidation companies that would accept me since i am not current on any account? I am ready to move forward and get back on track. What are my options if i dont file BK?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.