Legal Question in Bankruptcy in Massachusetts

You do not provide enough facts to allow a meaningful response. Are you a US citizen? In what state do you reside? Does this Canadian creditor do business in the US and is he presently reporting on your credit worthiness to the major credit repositories in the US?

How much is owed in total debt and to this individual creditor? Have you tried an offer in compromise with this creditor? Are there valid legal defenses to repaying this debt? There are many other questions.

This Office often provides free legal consultations in certain consumer creditor matters.