Legal Question in Bankruptcy in California

At this point if you do not want to file bankruptcy you should contact the creditor and determine if you can arrange a repayment plan. It would benefit you to also consult with a bankruptcy attorney to review your situation and determine if bankruptcy is the right option for you at this time. Once a creditor has filed an action against you (unless they agree on a repayment in which they will dismiss the case), they can proceed an obtain a judgment against you, unless you are willing to respond and try to defend the action in court (which can be costly). Another option is to file bankruptcy which will stop the action from proceeding any further. http://www.socaladvocates.com