Originally posted by KillaLadY
Credit Councelling is your option, do NOT choose bankrupcy unless you have absolutely NO way of paying back your debt.
credit councelling is for fucking morons that don't know how to pay their bills... anyone that is stupid enough to have to pay someone to pay their bills for them deserves to be broke.
DON"T LISTEN TO ANYONE IN THIS THREAD.
NONE OF THEM KNOW WHAT THEY'RE TALKING ABOUT!
p.s. no offence to anyone that replied to this thread.
I work in the collections industry and deal with trustees and lawyers all day and I've learned a thing or two.
FYI: Bankruptcy can be paid for over as many as 3 years. The discharge term is usually 9 months.
and don't listen to what any trustee tells you. Bottom line, they're fucking accountants and they just want your $1500. I've seen trustees outright lie to people and I ended up having to sue them because they're trustee's fucked em.
pm me the details and I can offer you some advice that is unbiased and based on experience with similar situations.