I'm talking about the good kind of snowball, where you "snowball" your debts until you pay them off. (Google it! It's really cool.) I already did it once quite successfully a couple of years back, then got a bit sloppy with using CC's and ended up with a few thousand in credit card debt again....

Yikes!
Just read where a bank refused to take car payments from someone in bk. Can they do that? I'm current with the car (load renegotiated in May -- only $1900 balance, value of $6-$8,000) but have stopped paying a cc held by the credit union who financed the car.

Thanks for...

just got a letter "Final Demand Notice - Legal Action Pending" on a Credit Union Visa late 73 days, $436.00 in arears, balance of $7,000+....

It says to pay up or arrange payments by Dec.13 and this is why I'm freaked:
I have a car loan for a 2002 Jeep Grand Cherokee...