Legal Question in Credit and Debt Law in North Carolina

You emailed me privately at [email protected]. Since you are in NC, there is a lot you can do and no need to file bankruptcy if you have no assets. I can definitely help you out of this mess without you filing bankruptcy again.

You can hire an attorney to keep the collectors at bay for now, and make a plan of action. You actually could file a Chapter 13 now which would stop collections, you just won't be able to get a discharge. It may or may not be necessary to file a Chapter 13 when you can file one and get a discharge. This depends upon what your asset situation looks like and what your long term goals are. I suggest you consult with an attorney who handles both defending from debt collectors in court and filing for bankruptcy. That way, you won't have to go to a second attorney if you need a lawyer to defend a debt collection lawsuit or if filing for bankruptcy ends up being in your best interest several months from now. Once you are represented by an attorney and either original creditors or collection agencies are informed, the phone calls have to stop or you have claims against them for unfair debt collection practices. There are numerous attorneys in your area who can handle this for you from now through bankruptcy if that ends up being necessary.