Originally posted by Goodgrief
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If I were in your shoes, I would stop paying on the Credit Cards now. I don't believe you will be able to get ALL of your CCs to settle and then you would have just thrown the money out the door.
Schedule some free consultations with Several Attorneys and meet with them with documentation showing your Income vs. Expenses (less the credit card payments). Think you will be surprised at what they will say.
We stopped paying on All but one CC (balance transfer in Aug. so made 3 pymts. per Attorney) late last Sept. at the advice of our Attorney. We've paid our Attorney in full and answered the phone, at the beginning, giving them his name and phone number. We've received about 4 collection letters & Attorney said ignore them. We will be filing 9/30/09.
Luci
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