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    #1

    creditors

    Okay, now creditors are starting to call my work and my husband's work. I have been hesitant on telling them that I am filing because I am afraid that they will sue before we actually file (filing in July) How long does it take to get a judgement against you?
    Also, I have taken out a lot of cash advances. Does it really matter if you wait 90 days of 6 months? If they are going to file an objection, they are going to file an objection...right? Maybe I shouldn't wait until July
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    #2
    Originally posted by worriedbk7
    Okay, now creditors are starting to call my work and my husband's work. I have been hesitant on telling them that I am filing because I am afraid that they will sue before we actually file (filing in July) How long does it take to get a judgement against you?
    Also, I have taken out a lot of cash advances. Does it really matter if you wait 90 days of 6 months? If they are going to file an objection, they are going to file an objection...right? Maybe I shouldn't wait until July
    The next time the collectors call, tell them it is against your company policy for collection agencys to call employees - this usually works

    When was the last time you took out cash advances, and used credit cards??
    The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

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      #3
      I used cash advances for several things. One was for the remodeling of our house (which we are now surrendering) The other is for gambling (I know...I know..DUMB) The last cash advance was made in January. The people that are calling are not collection agencies, but the actual credit card companies (Chase) I am afraid that they will file an objection to discharge. How likely are they to pursue the objection? I have good reasons why I am filing. Husband took $20K pay cut and I lost my job due to a move. Will they take this in consideration? Sorry so long, but I am obsessing about EVERYTHING!

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        #4
        answer

        The Fair debt collection law ragrding calling you at your place of employment does not apply to actual creditor, only 3rd party collections. The actual creditor can call you whenever they want. Try not to obtain any loans or new credit. Because it was obained too close to filing of bk, then will disallow you to discharge that amount.

        I'm not a lawyer. But I have worked in the colletion field for over 5 years, and just recently failed bk myself.

        I pray everything works out for you.

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          #5
          I was called constantly by a few creditors at work as well. Collection agency for AMEX was the worst ... I thought the best way to avoid them was to just not return their calls. They would leave many voice mails, sometimes 10 a day. They eventually contacted my direct supervisor and actually had a conversation with her, then she confronted me about my financial problems. It's easy to hide your head in the sand until you're confronted with that type of embarassment. I'm so thankful my boss is understanding and supportive but it still doesn't take away the shame of being "found out."

          That incident is what prompted me to visit an attorney. His office allowed me to pay only a portion of his fee to retain his services and then allowed us to pay the remaining portion within a 3 month period. By retaining him, we were allowed to give his name and number to any creditors.

          Chase also called me at work one day. I told them I was filing Chapter 7 and to contact my attorney. All they did was ask for my attorney's name and phone number then they wished me luck. I never heard back from them again.

          You're best bet would be to retain an attorney and then use that info to your advantage. It's bad enough we have to lose sleep over not being able to pay our bills but when the harassing calls follow us to work, it's horrible!!

          Good luck!

          Comment

            #6
            Originally posted by LinSC
            They eventually contacted my direct supervisor and actually had a conversation with her, then she confronted me about my financial problems. I'm so thankful my boss is understanding and supportive but it still doesn't take away the shame of being "found out."


            Completely illegal and unethical collection tactic used here!
            The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

            Comment

              #7
              Chase is one of the creditors calling. It is embarrassing! I have always been raised with responsibility and I am ashamed. Thanks for the comforting thoughts. I am just going to tell them I am filing. Thank goodness for caller ID. Even though most of the numbers show up as 000-000-0000. GEE...I wonder who that is???

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