Here is my dilemmaÃ¢â‚¬Â¦ I got into MAJOR credit card debt!!! $30,000 all in my name only, not my husband. We can no longer pay the credit cards (well, havenÃ¢â‚¬â„¢t in months) and pay our regular bills. I was basically paying all our bills with our income.. and since we had none left over.. living off of credit cards in my name. I am in deep debt.. with John P Frye Law Office calling me, Atlantic Credit calling me and Allied calling me wanting money.. I have looked into debt settlement, but with them I can still get sued and there payments are still high. I was looking into Chapter 13 bankruptcy. I have an appointment next week and canÃ¢â‚¬â„¢t wait. My problem is, I canÃ¢â‚¬â„¢t let this hurt my husbandÃ¢â‚¬â„¢s credit. He has the good credit and we need it to stay good. I really donÃ¢â‚¬â„¢t care about mine, its already crap. The house is in both our names.. if I will file, and we are joint on the house.. will this in any way affect him??? One bankrucpy firm told me yes, one told me no.. what do I do??? I know I have to tell him, but it will be easier if it wont affect him.. Please help.. any advice??????
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.