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I Am a Victim of Hess Kennedy and Don’t Want to File for Bankruptcy. – Christine

“Dear Steve,

I was one of the victims of the Hess Kennedy scam. I have worked out montly payment plans with the creditors who have contacted me. Now one of them wants the payments to increase. I thought that if you were making payments they would leave you alone. Is this correct? I really don’t want to file for bankruptcy as it would not be fair to the creditors who are working with me.

I am currently employed and live with my parents. I do not own any property except my car. I also have personal loans from my parents and pay room and board.

Thank you,


Dear Christine,

I doubt you have the payment offers in writing. Without a written agreement showing what the creditors agreed to it is a “he said, she said” issue. You lose.

Unless the payment you make is mutually agreeable then the creditor can take the payment and still sue you.

I understand your fairness position but there is no reason you can’t go bankrupt, get all your legal protections afforded to you under bankruptcy, and then repay your creditors to honor you personal commitments.

You should really talk to a local bankruptcy attorney. If you want, you can click here to find a local bankruptcy attorney.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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