Legal Question in Credit and Debt Law in California

What are my options when collections agencies require payment in full and I can

I have several credit cards, all with balances ranging from $1500 to $5000. More than one are in collections and the agencies are demanding payment in full or are planning to file a suit for the amounts. I can not pay the full amounts nor can I make even minimum payments to all of the cards as the minimums are hundreds of dollars due to interest rates. I do not want to file bankruptcy and am seeking a job asap but I don't know how to get out of this situation without major problems for years with credit and finances. Are there any alternatives to filing bankruptcy such as asking for a reprieve time or applying for a grant to pay off my debts. Are grants available for this purpose. I need help desperately. Thank you.


Asked on 4/12/05, 11:33 pm

2 Answers from Attorneys
Robert L. Hyde Hyde & Swigart, Attorneys at Law

Re: What are my options when collections agencies require payment in full and I

We would be interested in discussing this with you directly. Please give our office a call at 619-233-7770. Suing debt collectors is pretty much all we do and you sound like you may have a case. We don�t charge anything unless we collect for you, so you need not worry that this will just ad to your debt load.

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Answered on 5/01/05, 10:49 am
H.M. Torrey The Law Offices of H.M. Torrey

Re: What are my options when collections agencies require payment in full and I

yes, you do have several legal alternatives other than bankruptcy to get out of your present credit card debt situation. contact us directly for efficient, effective assistance here.

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Answered on 4/13/05, 4:04 am


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