Legal Question in Bankruptcy in Pennsylvania

debt collection filling for bankrupsy

I had 3 credit cards and was paying on them timely. went into the hospital 3 times got behind am with a debt negotiator sence jan. have not come to an agreement yet with any of them. a law firm has been hired by one of them to collect the money. i am paying the debt comp and dont have any to send to the law firm to pay one of the cards. can i be sued even if the debt comp is trying to come to a settlement with them to get it payed off at a very low rate. i am scared that my husband will find out or they will try to take my house away from me.


Asked on 7/30/08, 2:16 pm

1 Answer from Attorneys
John Gibson John W. Gibson, Esquire

Re: debt collection filling for bankrupsy

If your house is held jointly with your husband and the debt is yours alone, you don't have to worry about that. I'm not thrilled with debt negotiators since I've rarely heard anything good about any of them, especially from people who do end up filing bankruptcy. A lot of law firms have started to deal with debt issues on behalf of consumers and, from what I've been seeing, are less expensive than the various "credit counselors," credit repair," "debt relief," etc. agencies.

My suggestion is to contact your local County Bar Association. All of the Pennsylvania County Bar Associations that I'm aware of have a low cost lawyer referral service and before you spend any more money on "debt counseling" you should at least find out what their charges are.

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Answered on 7/31/08, 3:18 pm


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