Need help in Ma

[toto123]

I'm in the Boston, MA. Quincy acutally. Need allot of advice. No money to pay for an attorney. Somefrom from the J.A. Cambece from Peabody send me with a demand letter. Did allot of research and about to send him a letter of validation. I made the biggiest mistake of my life with all the research. I picked up the phone on July 3rd and one of his lawyers ripped me to shreds. Then got an e-mail an hour later and then in the mail received a demand letter on monday 7/7 thretening me with eveverything you can think of. I am 53 year old woman and about to be homeless. I fell 2 months behind with my condo mgt but made a 9 month repayment plan.
Have 8 months to catch up and will not be in default. If I get wage my garshment I will be in a rooming house. Have no savings and work 2 jobs, days and evenings. Help!!!!!
I cannot bankrupt until 12/5/2008 because embaressinly I went chapter 7 8 yrs ago 12/5/2000. Went through a divorce and I was getting back on my feet. Now i'm drowning.
Any advice about the validation letter i will send him today via fax and registered mail.
Any advice from anyone? Thanks in advance.What is the name of your state (only U.S. law)?

[mmmagique]

Try going to www dot creditboards dot com. There is a LOT of great info there, and lots of very knowledgable people.

Good luck, hun!

~Christina

[tranquility]

Make a payment plan with your creditors or go bankrupt. Don't waste your time on a validation letter. Is the debt good or no? If yes, see above. If no, when they sue you answer with your defense.