Legal Question in Credit and Debt Law in California

I am going through a debt management program to pay off our debts. All of our creditors have agreed to the bids and are onboard with the program, with the exception of one. I was on there debt management program when my wife and I decided to have all our debts put into the one program. Anyway I called them and got off their program to have it included with the rest. They told me that I would not be able to get into their program again, but never that they would reject the other program. The credit card company didn't like that, but I findly got disenrolled from it. So the management program that we our with contacted them with their bid, they total them they wanted and increase in the amount to be paid to them. The management company informed us and we were able to increase to the amount they requested, so they excepted and they were paid that amount for the month. So than the next month comes up and they say they cannot except a payment because my account does not meet their criteria, also that becuase I disenrolled from their program I cannot go back on their's at a low rate. Do we have any legal recourse to solve this problem.


Asked on 11/16/10, 8:39 am

2 Answer from Attorneys

If you can prove they agreed to participate in your combined program and then backed out, without reserving any rights or contingencies, you may have a case against them for a court order that they abide by the agreement. Of course how much do you want to spend on attorneys fees versus how much it will cost you to just find a way to pay them off? And that's IF you can prove an irrevokable agreement that they breached.

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Answered on 11/21/10, 12:24 pm


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