N
NancyLou9
Guest
What is the name of your state? Ohio
Not sure what to do here... Perhaps a timeline will help...
About a month ago, hubby and I had decided to file BK, as a result of his ex trashing his credit with court filings (taking all our money for lawyers and outrageous child support) and creating credit in his name.
Three weeks ago we saw an attorney and were in the process of filling out the paperwork.
Two weeks ago, hubby found out he was losing his job due to cancellation of government contract he was working on (might be renewed after the election, depending on who wins).
Just over a week ago, had an appointment set up with lawyer to pay on fees and turn in paperwork. Friday before appointment (Friday before Labor Day, got call from major government contractor about telephone interview. Hubby had it on the Tuesday after Labor Day. Based on that interview, hubby was asked to be flown out there for face to face. This is a major job that requires he keep his security clearance. He was granted this SC in spring of this year, current employer then deactivated it June of this year, stating it wasn't needed for his current job. Can be re-instated should he get this new job.
Before the face to face, hubby and I made the choice to not file BK, since we were afraid it would jeopardize his SC. Paid two small old bills from his CR on his last payday. Given time, we could pay all the old bills on his CR within a year. I was in the process of collecting contact info for all the creditors on his CR and was going to start making calls this week.
Last Thursday, hubby was flown out for his face to face interview. Also, on same day, I came home from taking him to the airport and there was a notice in the mail of a certified letter from our local small claims court. I called and found out it is one of the old debts owed suing for an old CC debt. Old debt was $2200 and with all the fees the CA has added, it is now nearly $5000.00. I havent' picked up the letter yet, trying to figure out what to do.
On Friday, hubby had his four hour interview and was told at the end that if he wasn't made a job offer, they would be surprised. This looks very promising. We should find out in the next day or two if he got the job. If he gets the job, we will have to move 2000 miles to the left side of the US within a month. If he doesn't get the job obviously we will move forward with the BK since his income will be tremendously reduced. If we have to move, we can't file for BK in the new state for 91 days after arrival to the state. It would forstall any garnishments but for how long?
The CA that is suing hubby shows on his credit report and I was in the process of locating them to talk to them. They had never contacted hubby so I have no idea who they are, just saw their name on the CR of my hubby. Also, there is no way the CA could have known any of this was going on, so to say they are taking advantage of the situation to force something to happen wouldn't be fair. This is just bad luck and bad timing.
Would it do any good to contact the OC or the CA? Hubby really doesn't want this on his credit, although it really wouldn't make much difference at this point. We would really like to avoid court too.
Any advice would be much appreciated. I am a bit discombobulated at this point, so if there is any clarification needed, I would be happy to provide more details.
Not sure what to do here... Perhaps a timeline will help...
About a month ago, hubby and I had decided to file BK, as a result of his ex trashing his credit with court filings (taking all our money for lawyers and outrageous child support) and creating credit in his name.
Three weeks ago we saw an attorney and were in the process of filling out the paperwork.
Two weeks ago, hubby found out he was losing his job due to cancellation of government contract he was working on (might be renewed after the election, depending on who wins).
Just over a week ago, had an appointment set up with lawyer to pay on fees and turn in paperwork. Friday before appointment (Friday before Labor Day, got call from major government contractor about telephone interview. Hubby had it on the Tuesday after Labor Day. Based on that interview, hubby was asked to be flown out there for face to face. This is a major job that requires he keep his security clearance. He was granted this SC in spring of this year, current employer then deactivated it June of this year, stating it wasn't needed for his current job. Can be re-instated should he get this new job.
Before the face to face, hubby and I made the choice to not file BK, since we were afraid it would jeopardize his SC. Paid two small old bills from his CR on his last payday. Given time, we could pay all the old bills on his CR within a year. I was in the process of collecting contact info for all the creditors on his CR and was going to start making calls this week.
Last Thursday, hubby was flown out for his face to face interview. Also, on same day, I came home from taking him to the airport and there was a notice in the mail of a certified letter from our local small claims court. I called and found out it is one of the old debts owed suing for an old CC debt. Old debt was $2200 and with all the fees the CA has added, it is now nearly $5000.00. I havent' picked up the letter yet, trying to figure out what to do.
On Friday, hubby had his four hour interview and was told at the end that if he wasn't made a job offer, they would be surprised. This looks very promising. We should find out in the next day or two if he got the job. If he gets the job, we will have to move 2000 miles to the left side of the US within a month. If he doesn't get the job obviously we will move forward with the BK since his income will be tremendously reduced. If we have to move, we can't file for BK in the new state for 91 days after arrival to the state. It would forstall any garnishments but for how long?
The CA that is suing hubby shows on his credit report and I was in the process of locating them to talk to them. They had never contacted hubby so I have no idea who they are, just saw their name on the CR of my hubby. Also, there is no way the CA could have known any of this was going on, so to say they are taking advantage of the situation to force something to happen wouldn't be fair. This is just bad luck and bad timing.
Would it do any good to contact the OC or the CA? Hubby really doesn't want this on his credit, although it really wouldn't make much difference at this point. We would really like to avoid court too.
Any advice would be much appreciated. I am a bit discombobulated at this point, so if there is any clarification needed, I would be happy to provide more details.
Last edited: