Legal Question in Credit and Debt Law in Kentucky

I don't know what to do

I was getting behind in credit card debt nothing had been turned over to collections yet. I signed up with debtxs and they said everything has to go to collections first. Does this program really work? or am I making my problems worse? I don't want to be sued but I cannot afford the minimum payments either what should I do?


Asked on 8/01/06, 8:55 am

1 Answer from Attorneys
E. Brian Davis Davis Law Office

Re: I don't know what to do

What you are apparently being offered is sometimes called a debt management plan. I have seen very few that worked; most (in my experience) end up costing a lot of money and aggravation and leaving you worse off than you were before it started.

I recommend that you seek a consultation from an experienced bankruptcy lawyer. Many offer initial consultations for free. One way to help you find such a lawyer is to go to the website of the National Association of Consumer Bankruptcy Attorneys, nacba.com. Good luck!

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Answered on 8/01/06, 3:34 pm


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