Recently-well 2 years ago had a foreclosure. My ex and I split up and attempted a short sale and it fell through and they foreclosed on the home without us knowing. To mak a long story short, I was told by multiple financial advisors and lawyers that a reaslistic option with my credit card debt and the foreclosure was chapter 7. I have not been paying on my credit cards-t-I have paid my the bankruptcy company and now they have all gone to cllection/charge off on my credit report. So now my lawyer is saying I make too much money to file chapter 7. I am so frustrated.
Is debt settlement a option if I can’t file chapter 7? I was being sued by a collections agency but it was stopped because I was filing for bankruptcy, so if I don’t do the bankruptcy will the sueing process start again. will they garnish my wages if Im working with a debt settlement company
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