I live in PA, earlier this year I entered into a consumer payment plan, but after 4 months, I realized they weren't doing much of anything to stop the collections calls, plus all the monies they took from me where going directly to there fee schedule (6 months worth to just get started)> In the meantime we were receiving calls and letters from a law firm for CC debt that was only 4-6 months in default, apparenty they bought this debt from Chase Bank. The total on the card was around 7K. The debt management company kept advising these were scams and scare tatics and to ignore them, they claimed to of faxed a letter of cease and decist.
This Friday my account has been frozen by this law firm, and the letters they sent were legit after all. Can I file a motion to vacate the judgement? Were filing for BK 13 too, will this unfreeze my account and put the debt under BK protection?