Legal Question in Credit and Debt Law in California

Re: debt collection

If I were in your position, I would make an appointment with a local bankruptcy attorney to discuss all of the particulars of your situation, and review the pros and cons of filing for bankruptcy protection. Based solely on what you have posted, I would suggest that yes, bankruptcy is a viable means of resolving your outstanding debts. If you do nothing, you will be fighting with your creditors for a very long time, and that fight is going to be very costly in terms of your time, health and mental well being. As you probably already know, they can employ some rather uncomfortable collection techniques, and once they obtain a judgment against you, it will just get worse. I'd strongly suggest that you contact a bankruptcy attorney. If you cannot afford to retain an attorney, call Legal Aid for your county and see if you can't get a referral to someone who could take this on pro-bono. Good luck.

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