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    #31
    It isn't uncommon for the first day or two of the month for the calls to slow down.
    Take $10 billion from the government and then sue me...nice

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      #32
      Originally posted by ace13 View Post
      Well at 316 pm I got a call and vm from citifinancial again demanding that I call them as this I serious or they are filing judgment wig district justice x in my town. I have a call into my attorney to see if I should call back to let them know we would be filing chap 7 in the coming weeks. I was hoping to make it a while longer before they filed. I haven't spoken to any creditors but now may be time. I know some ppl thought I'd be safe til December or January when I wanted to file but don't know about that now. The hardest part for me right now is waiting for my attorney to respond.
      If they are threatening to sue you that means they haven't. You're safe until December easy.
      Well, I did. Every one of 'em. Mostly I remember the last one. The wild finish. A guy standing on a station platform in the rain with a comical look in his face because his insides have been kicked out. -Rick

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        #33
        Originally posted by OhioFiler View Post
        If they are threatening to sue you that means they haven't. You're safe until December easy.
        My attorney got back to me and advised that I call citifinancial back and tell them I have retained attorney x and we will be filing for chapter7 in 30 days or so...so I called them and the branch manager was all cocky and said "well then why hasn't your attorney sent us anything?". I replied with "as I stated, we WILL be filing for chap 7 in 30 days. We haven't filed YET." He said in a very disappointed voice..."alright." and then asked for my attorney's number which I provided and hung up. I guess we shall see if they go thru with the judgment in light of that conversation. I'm posting this update for anyone out there that may be new and scared about those collection calls and letters. Keep in mind I was current on everything until September 2009. These ppl are aggressive considering I'm only a few months behind unlike others that have gone deliquent much longer. Good luck to us all...
        Stopped paying CC: September 2009 ; Retained attorney: 9/9/2009; Filed Chap 7: January 18, 2010; 341 Meeting: March 9, 2010; Discharged and Closed: April 29, 2010

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          #34
          I got one of these MONTHS AGO. They haven't even done anything or put a freeze on my bank account (that I have with citi) I also haven't gotten any other paperwork about this debt since..

          Don't worry, you have time...

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