I have nothing to give them. I could start making payments, but they wouldn t be much, no more then a $100/month at the very most. Even that would be really hard to for us right now. If I could pay them, I would. But, living expenses come first and right now we are barely doing that. I guess I just figured I would have more time to pull something together. I hear how a lot of people don’t end up with judgements for a few years after you stop paying and here it is only 5-6 months for us and our state has a 6 year sol. So, I figured we would have some time to pull the money together.

One of my former creditors started court proceedings against me for less that $10k. That’s when I decided to do a chapter 7. So, some of these collectors WILL go after you no matter what. As Herlean said below, some are just to mean to work with!!

It is entirely up to the creditor and/or collection agency they hire & instruct. A lot of creditors have gotten much more agressive at collecting the money owed and a lot less “understanding”. Keep us updated. All they can do is sue you and get a judgment. Then they have to go through other things to try to garnish etc. They may put a lien on a home but that just means if you sell it they get their money. One of my former creditors started court proceedings against me for less that $10k. That’s when I decided to do a chapter 7. So, some of these collectors WILL go after you no matter what. As was said below, some are just to mean to work with!!

Is that how they would go about vehicles too? We have two vehicles not paid off and far from it. So, if they took them, by the time the money went to those we have the loans with, their would be nothing left in money except maybe a couple hundred, if that. Also, I don’t work, but my husband does and the credit card company threatening us the card is only in my name. When you say garnishing, can they garnish bank accounts? We don’t have much in our bank accounts, but my husband does have direct deposit(required for his job) into accounts that are in both of our names since I write our bills and need access to signing checks.

If you don’t pay your payments, they repossess your cars. At lest you may try to get a payday loan from one of established websites and pay your bills. If you file chapter 13, they are included in the plan – and the balance you owe is reduced to actual blue book.

What payments? If you are referring to the car payments themselves, those are up to current and have always been. The payments not being made are credit card payments solely. Home and everything else as far as cars and living expense like utilities, etc… are all up to current.