Legal Question in Credit and Debt Law in California

Re: Financial advice

Your post is a bit confusing, in terms of who you are asking the advice for. Irrespective, there is no "legal" means of suspending bills until one can afford to pay their bills, absent filing bankruptcy to discharge the obligations. The best you can hope for is to get on the phone immediately with all creditors, explain the situation, and ask for some sort of workout for your debt. These days, in light of increasing bankruptcy filings, you might have some luck, but other creditors are actually cranking down the screws even harder in response to defaulting debtors. Best advice, short of filing bankruptcy, is to face the problem head on, be proactive about calling your creditors and trying to work something out, and if that fails, then you may have to consider bankruptcy as the last resort.

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