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Discussion in 'Credit Talk' started by Arthur, May 2, 2000.
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You mean the creditors actually went to court? For such piddly amounts? The lawyer alone would cost $400 an hour and would have to fly to file a suit in your area. Am I hearing you right?
YES, SOME OF THE CREDITORS GOT A JUDGEMENT FOR $337..THAT IS THE LOWEST AMOUNT, BUT THE MAX ONE IS 5595 FROM BENEFICIAL....4 years have passed, should I forget about them, or file bk?
If you are under 35 do not file for bankruptcy and instead work on paying down the debt or contact the individual creditors by phone (since whatever you say is not legally enforceable) and say "look, i don't have a lot of money but I want to work with you. If you agree to accept $2,000 of this $4000 and totally delete your judgmenet from my credit file I'll pay you - otherwise, I may consider bankruptcy. If you agree, please put in writing the terms of this settlement). If you think you will get all emotional on the phone, get a friend to pose as you while you stand by. Now, if you are over 35 you likely have your basics and don't really need access to credit, so go ahead and file bankruptcy. Providian will wind up giving you a $5,000 credit line anyway should you want a credit card after the bankruptcy.