So here I am.

[ladyjenn]

So we are not paying our cards as of this week, after we retained our lawyer. We are current on everything as of now. How long until we can expect the creditors to start calling and nagging us? We will have the lawyer paid in 60 days, so we can file then.

[GettingGoing]

So we are not paying our cards as of this week, after we retained our lawyer. We are current on everything as of now. How long until we can expect the creditors to start calling and nagging us? We will have the lawyer paid in 60 days, so we can file then.

All of my cards started calling after we were 30 days past due. Most of them were sent to collections between the 90th day and the 180th day.

[horse]

JasoninAZ...you are at the right place. These people are wonderful and they will answer any question you have. Don't despair. It's a good thing you found this forum before beginning the BK process. There is a lot of information here and it will be very helpful! Take Care!

[freeatlast98]

Real soon

So we are not paying our cards as of this week, after we retained our lawyer. We are current on everything as of now. How long until we can expect the creditors to start calling and nagging us? We will have the lawyer paid in 60 days, so we can file then.

Hi LadyJenn My creditors started calling none stop 15 to 30 times a day after I was 30 days late. Discover called once in a while however, Chase, BofA and Citi won't stop calling even after you speak to them. Once in a while I answer
and per their script they ask what is causing you to fall behind and they say they will help. Unfortunately, in my current state of finances, I can't accept any of their offers.
Can't wait to file.. I can't afford an attorney so I file Pro Se end of July or early August.
Good luck to you and I hope they won't pester you as much as they have me.

[ladyjenn]

Hi LadyJenn My creditors started calling none stop 15 to 30 times a day after I was 30 days late. Discover called once in a while however, Chase, BofA and Citi won't stop calling even after you speak to them. Once in a while I answer
and per their script they ask what is causing you to fall behind and they say they will help. Unfortunately, in my current state of finances, I can't accept any of their offers.
Can't wait to file.. I can't afford an attorney so I file Pro Se end of July or early August.
Good luck to you and I hope they won't pester you as much as they have me.

I hope they don't too! We don't have a land line anymore, but they could still call our cells if they already have those numbers. I am hoping we get through this quick! I "thought" once you told them them you are in the bankruptcy process, they couldn't call anymore????

[ladyjenn]

Can't wait to file.. I can't afford an attorney so I file Pro Se end of July or early August.
Good luck to you and I hope they won't pester you as much as they have me.

The best of luck to you too! We wouldn't be able to afford a lawyer either, if he didn't tell us to stop paying our bills if we were def. going to file. So that money now goes to him! The sooner the better!

[freeatlast98]

scared to tell them

I hope they don't too! We don't have a land line anymore, but they could still call our cells if they already have those numbers. I am hoping we get through this quick! I "thought" once you told them them you are in the bankruptcy process, they couldn't call anymore????

Well I haven't told them I'm filing. I don't know why but just saying the word "bankruptcy" to them, scares me. Maybe I should so they'll stop calling. I'm in California, where are you?

[ladyjenn]

Well I haven't told them I'm filing. I don't know why but just saying the word "bankruptcy" to them, scares me. Maybe I should so they'll stop calling. I'm in California, where are you?

PA. That is what our ATTY told us anyhow....I should look into it some more. Our ATTY also told us we could refer the calls to him.

[StartinOver]

They will not stop calling just because you SAY you're filing

More likely they will step up their efforts to see if they can squeeze some money out of you. Until you can actually give them your case number, they have no reason to stop calling you. Once they have a case number, they know it's real, and they will stop calling because there are financial penalties if the continue collection contacts after you file.

[jasoninaz]

Tomorrow we are meeting with the attorney and we are going to get this done this year. I think the cc people know I'm done because I don't fight with them. One of them had old data telling me we will take your house! Wow, I short-sold my house last year, well your making payments on it! And where is the money for the sale of your house? Wait what? Do you even know what a short-sale is?

I'm ready to start this process.

[adm]

I'm sorry and good luck. I have small children too (3 & 5) and I feel sad also that they'll be 13 & 15 when this drop off my credit report. I can't even picture them being that old!!!!! But other than winning the lottery there is no way we can pay off our cc's and we dont know what the future hold w/spouse being unemployed for so long and UI about to run out. If he becomes a "SAHD" we'll be on a budget like nobody's business :/

[Ann]

Allow me to add something here. Many may disagree but I feel the need to say this. We are all programmed to believe that your only worthy if you have a high credit score. For years this is what is being advertised everywhere you look. If you call a creditor and tell them you just can't pay this month you are told that not making that payment is going to hurt your credit score. I took pride in the fact that I would make those damn payments no matter what. If I don't have enough for groceries this week oh well at least my credit score will still be high. What absolute BULLSH** we are being fed. Yes, I know we are the ones that get ourselves into these predicaments and I kept my part of the promise up by making my payments on time but when the banks decided to punish me by doubling all my interest rates because of the bad economy I decided enough was enough. I honestly could give a rat's ass if there is a bk on my record and I care even less that I will be into my 50's before it drops off!!! I am fully aware that it is going to be a tough go to get decent interest rates for a while. That is something I accept. What I wont accept or buy any longer is that my credit score defines who I am. Screw that. I want MY fresh start just like all the banks got when they got bailed out. I live on cash now and I'm not saying I will never have credit again but the next time I use it for sure it won't be to buy groceries and pay bills on. I only wish I had something to "show" for all the debt I incurred. I hope all who feel bad about having a bk on their record for the next 10 years will stop and quit feeling so bad about it. WE ALL make bad decisions but it does NOT make us bad people!!!! Have a great day!!!!

[freeatlast98]

Allow me to add something here. Many may disagree but I feel the need to say this. We are all programmed to believe that your only worthy if you have a high credit score. For years this is what is being advertised everywhere you look. If you call a creditor and tell them you just can't pay this month you are told that not making that payment is going to hurt your credit score. I took pride in the fact that I would make those damn payments no matter what. If I don't have enough for groceries this week oh well at least my credit score will still be high. What absolute BULLSH** we are being fed. Yes, I know we are the ones that get ourselves into these predicaments and I kept my part of the promise up by making my payments on time but when the banks decided to punish me by doubling all my interest rates because of the bad economy I decided enough was enough. I honestly could give a rat's ass if there is a bk on my record and I care even less that I will be into my 50's before it drops off!!! I am fully aware that it is going to be a tough go to get decent interest rates for a while. That is something I accept. What I wont accept or buy any longer is that my credit score defines who I am. Screw that. I want MY fresh start just like all the banks got when they got bailed out. I live on cash now and I'm not saying I will never have credit again but the next time I use it for sure it won't be to buy groceries and pay bills on. I only wish I had something to "show" for all the debt I incurred. I hope all who feel bad about having a bk on their record for the next 10 years will stop and quit feeling so bad about it. WE ALL make bad decisions but it does NOT make us bad people!!!! Have a great day!!!!

Said nicely, I totally agree!! Good job!!

[ndcm]

BIG THANK YOU for your encouraging words! I can't begin to tell you how much it helps to know I'm not the only one going through this...

Good luck with your paperwork. What state are you in? I'm in Los Angeles,California?

Hi freeatlast - I'm sorry I have not responded, took some time out looking at the forum, kinda had information overload Hawaii. Good luck!!!

[freeatlast98]

Thank you for responding

Hi freeatlast - I'm sorry I have not responded, took some time out looking at the forum, kinda had information overload Hawaii. Good luck!!!

I can't believe you're in Hawaii. I love it there and my favorite place in the whole world. My daughter has a condo on Maui. I was just there last year. She gives me a week a year. i just have to get there, needless to say i won't be going this year. I someday hope I'll end up there to live.

I can understand taking a few days away from this. It's helpful however, very overwhelming. I'll be filing soon but I don't know when. It's makes me sad to think I even have to be looking at bankruptcy. At the moment I'm also trying to have my home loan modified. I'm so confused as to what to pursue first. I can't even think about loosing my home on top of all the stuff my daughter and I have gone through in the past year. It's comforting having others that are going through the same economic situations. I have to have faith we'll all come through this soon.
Thank You for writting back. I don't feel so alone.