BK4ThisDummy
Junior Member
TN
I sure wish to God I had found this forum about three weeks ago. But now that I am here, I need someone's help...FAST!
Almost a month ago, I was contacted by a rep at a CA who just happened to catch me in a weak (and stupid) moment. I owed approximately 12K on cc debt that was charged off by the orginal creditor in October 2003. Over the last couple of years the debt has been sold to at least 4 different junk debt agencies. The latest managed to get me on the phone and pressure me into making a payment arrangement via automatic payment from my bank account every month. They have my account number, bank name, and routing number. The first payment was taken out one week ago for the monthly amount that was agreed upon.
YES, I know now, after reading all of the info and horror stories on here that I have made a terrible and incredibly stupid blunder. Now I reallize I truly cannot afford that expense each month and I have been advised to file bankruptcy by a friend of the family who is an attorney who thinks that due to my current debt load (not just the debt mentioned above) and income I would probably qualify for BK.
How do I go about getting this agreement rescinded or should I just close the account and let the CA eat smoke? I need to do this immediately!
Any and all help is appreciated! I know that I've gotten myself into an enormous pickle here and its my fault. I don't deny that at all
I sure wish to God I had found this forum about three weeks ago. But now that I am here, I need someone's help...FAST!
Almost a month ago, I was contacted by a rep at a CA who just happened to catch me in a weak (and stupid) moment. I owed approximately 12K on cc debt that was charged off by the orginal creditor in October 2003. Over the last couple of years the debt has been sold to at least 4 different junk debt agencies. The latest managed to get me on the phone and pressure me into making a payment arrangement via automatic payment from my bank account every month. They have my account number, bank name, and routing number. The first payment was taken out one week ago for the monthly amount that was agreed upon.
YES, I know now, after reading all of the info and horror stories on here that I have made a terrible and incredibly stupid blunder. Now I reallize I truly cannot afford that expense each month and I have been advised to file bankruptcy by a friend of the family who is an attorney who thinks that due to my current debt load (not just the debt mentioned above) and income I would probably qualify for BK.
How do I go about getting this agreement rescinded or should I just close the account and let the CA eat smoke? I need to do this immediately!
Any and all help is appreciated! I know that I've gotten myself into an enormous pickle here and its my fault. I don't deny that at all
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