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Every case can be different, but I think you're right that the collections attorney will send a letter/call you before they file suit. We had 2 BOA credit cards that we included in our chapter 7 and we never got a summons from them before we filed. Our credit union however, that's another story! -
Collection question?
Bank of American said if I didn't pay them by the end of April they would turn my account over to their collections attorney. (90 days past due, credit card) Will most attorneys send a demand letter first requesting payment before filing suit?
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