Oh no! What happens now?

well they can garnish wages up to 25% and possibly freeze my bank accounts....that would be the worst situation as I have direct deposit into them from SSA and work both....I go to court March 7th.....will see what things transpire in this case.....

You might want to change bank accounts or keep nothing in them. Can they seize your car? See if you can get some free legal advice.

yes I can.....I had prior knowledge that I was being sued by lawyers who monitor the court proceedings and had them mailing me to try helping me while lining their pockets....

I do not want to do another bankfuckingruptcy.....I did one in 2004......this sucks....

I can say those accounts will be picked clean before my court date but then the direct deposit of SSDI will hit a few days later.....uggh

What about the other two Capital cards, same thing?

not yet....

I hope everything works out and that you will not have to file another bankruptcy.

Oh I do remember those days. Cap One was one of the many companies who sued me. What I did with them was nothing! What I mean was I had one card that I owed $2,500 on and I quit paying on it.

They'd send me threatening letters and phone me but I didn't send them any money. I still worked on my other debts and put aside small amounts of money for this debt. Every time I got paid I'd put in an envelope $5 or $10 or more and any extra money always went into that envelope.

It was over two years later and they took me to court. I finally called them and they shot me an offer. I can't remember it all, but it was around $700-800 they took off the amount if I could pay it in full.

The money I was saving and one full paycheck had it paid in full and I avoided court.

There are two ways to get out of debt without going bankrupt. One is to increase income. The other is to decrease expenses. Bill, in another thread you mentioned that you spend money as fast as you earn it. With debt, that is kind of like a hamster in a wheel - spinning around and getting nowhere.

Not picking on you or acting "holier than thou" just trying to be real. Years ago you mentioned that someone offered to manage your funds. I would seriously consider that. If you can't tell, yourself "no" then get someone who can!

One more thing, I have been reading these threads for awhile and I do believe Bill that you are on the right road! I remember a time you'd have nothing to do with DA and the idea of not using a CC wasn't an option.

Best wishes

I never had another person offer to handle my funds.....I do not know what your referencing.....

but I am trying now to not take new debt.....that is a change....and I am going to get a bunch of money from tax return.....so maybe I can work out a deal with them....but I doubt I have enough to make it happen.....

I spoke with a couple attorneys yesterday regarding this....one was bankruptcy attorney the other one I spoke with their consultant who told me they would deal with this law suit for over $700....the bankruptcy attorney wanted $1100.....flat fee.....that includes the $333 filing fee....

Wow... with fees like that, I'd rather pay the money to the creditor. Curious, do bankruptcy attornies take payments or is it paid in full before starting?

paid in full first

Hopefully you are able to find a way to pay this debt and avoid court. Me personally... and again.. I Say... ME PERSONALLY... I could never go bankrupt over self-inflicted debt. That is why, I lived such a poor life, for a few years.

I had no furniture, for awhile I slept on the floor, I lived off a cheap food and walked everywhere.

TO ME, bankruptcy is for unforeseen debt. A loss of job and medical expenses are the reason for bankruptcy. Being in debt because of uncontrollable CC spending isn't a reason.

Half of my debt was medical, the other half was self-inflicted. It was this childish treatment of money that bothered my conscious and made it impossible FOR ME to go bankrupt.