Due to a loss of income last year we have been unable to pay numerous credit card companies. We are stable now but cannot catch up.
One of the accounts was charged off in the mean time and it was purchased by a debt-collection company. I have received a letter and a few phone calls from someone in an attorney’s office. They have even contacted relatives to talk to me.
How should I handle this situation with this supposed lawyer on this charge-off account?
Let’s start with it is what it is. You are behind on debt, you agree that the debt is yours, the person calling you is attempting to collect the debt.
If you are back on your feet but can’t catch up then you might want to talk to a local bankruptcy attorney about what bankruptcy would mean for you. By discharging your old debt and moving forward with your life you can close that chapter and stop looking over your shoulder.
Leaving a debt that can’t be repaid just fester is not going to make the situation better.
At this point you are probably better off, being polite, but talking to the lawyers office and see what they want. If you can’t afford to pay, you can’t afford to pay.
Find a local bankruptcy attorney. Call and make an appointment for a free bankruptcy consultation.
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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