Credit And Debt Counseling California

I have tens of thousands of dollars in debts a vehicle repo and a recent hospital bill for eight thousand as i have no health care. or perhaps someone could give me advice on filing bankruptcy please, no smart aleck answers please

I used American Financial Solutions, they are based out of Seattle but are awesome (I am in California and have been using them for about 3 years with no problems at all). Their number is 800-570-3462

2007-12-04 15:11:47 by mattnobes1

Skiptrace Judgment Recovery provides debt relief in Brentwood, CA. For many years we have offered a wide range of services including Credit ...

I am $25,000 in debt from 3 different high interest credit cards coupled with being dumb and naive when I got them in my teens. I am 29 now, a single mom living in California, in the poverty income level without any assets. I don't use the cards anymore but I still pay the min. balance on time--I just want the debt gone and wouldn't be too proud about filing bankruptcy. I heard I should I get the debt consolidated but how the heck do I go about doing that? I'm not too clear about how that works and there are so many gimmicks and 1-800 #s advertised that I don't know where to go. I live in California-- specifically in San Bernadino County if that helps.

Yes, go to www.nfcc.org That has a list of accredited credit counseling agencies that can help you out.

2008-04-24 02:55:18 by DARIA

I have a judgment against me from the second mortgage holder on an investment house I bought that was foreclosed on. The first mortgage company foreclosed and sold the house (in Nevada) at auction. The second mortgage company didn't get settled thru foreclosure because of some law in Nevada so they came after me and won the judgment 120K. Now they have garnished my wages and I am barely making it (Single income, three kids high rent in So. Cal) I do not have ANY assets, and do have large credit card debts and reside in California. I was asked if the judgment was non-dischargeable- it does not say non-dischargeable.
Is it my only solution to go bankrupt(not credit consultation nor counseling)
1) I'm not sure if I which chapter I should file under.
2) I do not have money for a highpriced lawyer- what are my options? (I have found flat rate attorneys and cut rate bankruptcy specialists)
3) What questions should I ask of prospective legal help before I commit to one service/attorney?
Oh, more info, the home was bought on little down with our very good credit. There was no equity in it but was in an area of high rising appreciation (three years ago). But one day the developers of the housing tract lower the prices of the newest tract accross the street. They cut the price of the new identical homes by 100,000 dollars. We found our investment home devalued by 100,000 overnight and had aprox 90k in negative equity. We were previously renting it for a 300.00 a month loss- banking on quick equity by appreciation.

Chapter 7 gives you a fresh start. However if you have alot of expensive toys or material possessions they may want to grab them. They list your material assets at fire sale value (garage sale priced) and your allowed to keep a certain amount of assets and cash. I was stressed out financially for a couple of years and when I decided to let go, things got alot better. No more chest pains, phone calls, sleepless nights......My lawyer cost 1,700.....bankruptcy for dummies is a great book, answers alot of questions. Grab an attorney that comes highly referred. Your first meeting with him/her is usually free, you can get references from attorneys that don't handle bankruptcies so ask your friends for a name of a good lawyer, then call them and ask them to refer you to a good bankruptcy attorney. If you have alot of assets......non retirement assests (because those are protected), then you may have to file chapter 13 which would help you reorganize your debts and set up a plan to pay them back at a reduced amount and interest rate. Good luck to you.......remember you can't take it with you, so don't let it take you to that place.

2008-04-02 14:32:32 by The Oracle

I have numerous old credit card debts that have been sold to collection agencies. (About $4,000). These are from when I graduated from college and became unemployed over six years. I kept paying some of them, but on others, the statute of limitations has run (it's four years in California).
I am able to pay off this debt fairly quickly now and would like to begin repairing my credit. Once these are paid I want to make sure that this information appears on my credit report.

I want to pay off all those where the statute of limitations hasn't run, but don't know where to begin. I got a credit report online, but the information is pretty vague, you can't tell when the last time I paid was on any of them.

I'd like to find someone who works on this type of thing, but don't know who to turn to. It seems as though Credit Counseling agencies only work with people whose debt still lies with the credit card companies.

First of all, never pay a collection agency unless you have no other option . THey are all crooks.
You need to read up on your state laws and the FCRA and FDCPA.

Pull all three credit reports and compare them. Find any violations and document them for a lawsuit later. Free money.

Some dummy keeps saying that contacting CAs, or whoever will reset the seven year limit that a baddie stays on your report.

That is not true. Making a payment on a debt can reset the SOL, but, unless you bring the account current, the seven years starts from the date of delinquency where the account was never brought current afterwards +180 days.


You can also negotiate a PFD (Pay for delete) with the Collection Agencies. Make sure you get it in writing.

Educate yourself before you do anything!

2007-06-14 17:08:40 by greencitysf

I'm currently unemployed and up to my ears in debt and have no other recourse but to file, or at least explore, bankruptcy.

Does anyone have any firsthand knowledge on what the process is these days? I hear it's much more complicated than it used to be so I'd like to know more about what I might be in for. Consumer Credit Counseling did me no good..just FYI.

Also, if you have any recommendations on where to go in the Southbay area of California (Hermosa, Redondo, Manhattan beaches, etc.) I'd really appreciate it!

Thanks so much.
Also, does anyone know how much an attorney charges for assistance in bankruptcy?

Best website is the US Bankruptcy official website...www.usbankruptcy.gov It's an excellent site for information on each chapter of a bankruptcy filing. You can contact a local bankruptcy attorney for a free consultation, most will see you and go over your information to be able to tell you what you qualify for. Another informative website is www.bcsalliance.com, great info on credit, debt and bankruptcy issues. Good Luck!!

2009-02-16 11:07:59 by SeekingAnswers