My point is.... The rush is HR 333!!!! aka BK Reform. I explained this in the other thread so I won't be redundant. Unfortunately for Stress he does not have the luxury of waiting for 6 months to a year to try out other options. I have studied HR 333 since its inception. It is so consumer unfriendly that the CC companies will become like the IRS. Nothing will be safe from their collection tactics. F**k the FDCPA and the FCRA which is exactly what HR 333 will do...the CC companies will be laughing all the way to the bank. Consumers will be the proverbial blind man with the pencils on the corner begging or on the interstates with sandwich signs, "I'll work for food". That is the rush. clc
My point is.... I understand that bankruptcy reform is probably on the way, but when is it supposed to take effect? I haven't really kept up with the timeline.
My point is.... People have been screaming "file now before the law changes, the train is upon you" for over two years now. clc, you say you aren't pushing any certain way. To me, your posts seem so desperate that I would think your life savings rested on getting him to declare BK. Give him a chance to think it over. Besides, before the "roof collapses," perhaps he'll have a life partner. Perhaps he'll have a sudden inheritance. Who knows? As struggler and I have said, we've both been there and made it through. I don't think anyone, including stress, is going to die tomorrow if he tries some other tactics. I don't understand your desperation to push another person to something he is obviously trying to avoid.
