Q: What are my options when sued by a credit card company for not paying my debt?
debt is $17k. It is my debt, but thought it was included in my debt modification loan with my other credit cards
A: This is the problem with debt consolidation. Contact the group that did it and see if they have any record of same and payment. If not, then you either work it out of you may need to file a bakruptcy if that is available to you
A: You really need to retain an experienced Bankruptcy attorney to handle this matter. There is not enough factual information to provide you with meaningful advice. With modern technology, you can be represented by any high-quality attorney in New Jersey irrespective of geography.
To be frank, it strains credulity that you, and/or they, could have overlooked a $17K debt in your restructure.
And while I generally agree with my colleagues who have previously submitted answers that it's always wise to consult experienced counsel BEFORE you jump into something, there may another answer to your problem. Speak with your new lender and see whether they'll increase their loan to you to cover that $17K (a new lender doesn't want you struggling to amortize other large debt); and if the new lender won't cover, reach out to other lenders who do this sort of loan. They'll see that their competition has already vetted you to loan you new $$, so they may well be happy to step in to cover that $17K with your new debt to steal the opportunity.
A: Debt consolidation and debt settlement are nothing more than SCAMS, which offer you no legal benefits. You need to retain an experienced Bankruptcy attorney, who is a member of the National Association of Consumer Bankruptcy Attorneys. Pick the best attorney you can find and remember one rule: a good attorney is generally never cheap, and a cheap attorney is generally never good so don't choose based on price. With modern technology, you can be represented by any high-quality attorney in New Jersey irrespective of geography.
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