You can! However, should you want a trained intermediary to help you establish a livable budget, handle your creditors for you, and to also make just one combined bill payment a month, then CCCS-OC may be the solution you need.

Once you have met with me, and if it is decided you are going to file bankruptcy, then I recommend you no longer talk to creditors, until your case is filed. If they call, I suggest you hang up. I suggest: If they send you threatening letters, throw them away. If they leave threatening messages on your phone machine, ignore them. If they come to your door, tell them they're trespassing and that if they don't leave, you'll call the police.

No. U.S. Bank recommends that you continue to pay your creditor until you receive a written confirmation from U.S. Bank that the balance transfer has been completed.

Yes. Debts that can be discharged in bankruptcy such as credit card and medical obligations, should not be paid once an informed decision is made to file a Chapter 7 petition. Monthly bills such as rent, mortgage payments, telephone, and utilities, however, still must be paid.

We occasionally receive emails from persons who plan to simply ignore their HOA and stop payments. Please do not try this tactic. Your HOA has legal weapons that you do not have. You could lose your home or end up paying many times the amount due. Do you want to risk your home or your savings in such an unfair fight? We do urge you to fight abusive situations, but the best tactic is to reclaim your HOA by electing a caring and responsive board.

Does your colon now exhibit the signs of a well functioning colon? If not, some enemas or one or more sessions with a knowledgeable holistic colon therapist may bring you great dividends. There are some excellent products available that will clean your whole intestinal system. I mainly recommend AIM Herbal Fibreblend because of it's effectiveness and ease of use. It takes about 3 month. If you are after a faster solution I recommend Oxy powder a cleanse based on magnesium oxide.

Yes, they will! By law, all actions against a debtor must cease once the documents are filed. Creditors cannot initiate or continue any lawsuits, wage garnishees, or even telephone calls demanding payments. Secured creditors such as banks holding, for example, a lien on a car, will get the stay lifted if you cannot make payments.

Creditors usually stop calling as soon as you can give them the name and phone number of an attorney whom you have hired to represent you in your bankruptcy proceeding. Of course, if you represent yourself, you will still need to take these calls. Once your bankruptcy is filed, creditors stop calling completely if they are simply trying to collect on the debt.

Yes. Once you enroll in our debt consolidation program, you will be able to refer all calls from creditors to our servicing center. Those collection calls will eventually stop. Our company promises to stop creditor harassment.

Yes, they will! By law, all actions against a bankrupt must cease once the documents are filed. This does not apply to secured creditors such as banks holding, for example, a lien on a car. Top of Page

Practically, since collectors are paid commissions on what they collect and since they have no power to collect after you file bankruptcy, most collectors will stop calling you. If you do get a call, it is important that you make sure that the Trustee has been advised of that creditor. Remember you have nine months to list your creditors and if you forget a creditor that creditor will be entitled to receive the same distribution that your other creditors receive.

In a perfect world the creditors would stop mailing statements to you when they receive your bankruptcy papers. In the real world, it is not unusual for creditors to continue mailing statements to you months after you have filed your bankruptcy. Check your copy of the sworn bankruptcy documents that you filed to make sure the creditor is listed. If it is throw the mail in the garbage or return it to creditor with note that you filed bankruptcy and indicating whom your trustee is.

Your creditors will be happy to deal with our staff, and will stop all collection calls as long as you stick with your Debt Management Program.

Does your colon now exhibit the signs of a well functioning colon? If not, one or more sessions with a knowledgeable colon therapist may bring you great benefits.

It depends! If the problem is temporary, usually not more than three months, then contact the Trustee and ask to work out an alternate payment plan. If you're acting in good faith, the Trustee will normally work with you. However, if you cannot work out a plan, or simply fail to make the payments then, the Trustee will have your case either converted to a Chapter 7 or completely dismissed in which case you'll lose all bankruptcy protection.