Okay, I'll try and keep it brief. First off, I'm 12K behind on my mortgage and my loan is currently at the underwriter with Chase. I have been making modified payments now for 9 months.
Second, I have about 40K in loans and credit card debt. I am current on 3 loans from my credit union, and am current on both car loans. I have received 3 letters from creditors at law firms, Anthony H. Rodriques, Frederick J. Hanna, and one more I just recieved.
I sent the first 2 the debt validation letters and will send the 3rd this week.
This is what I was wondering. I will show up in court if necessary to avoid a judgement against me. I just don't know how I can pay them though. I've spoken with some creditors and they are willing to settle, but I just don't have any income left after paying my bills to send them anything.
I mean I can't even send them anything. As a matter of fact I barely have enough left over from each paycheck to last a week or so.
I hate to file bankruptcy, but I may have to. I don't know if I should tell these people calling that I have no extra money. Would it do any good?