Legal Question in Credit and Debt Law in Florida

Yes but also be aware that if it's a contractual obligation that is over 5 years old from the time you defaulted, then it might be legally unenforceable anyway. Of course, they could still report it on your credit report but if it is indeed more than 10 years old, then it should not appear there either.

Yes, but let's not get crazy yet. Call me and let's see if there's anything else we can do.

Bankruptcy will stop the phone calls and, more importantly, will stop the alleged lawsuit. You should meet with a bankruptcy attorney in your area to discuss your circumstances. You should also carefully review your credit report and the clerk's records to research any pending litigation against you. Best of luck.

Yes--Filing BR stops all collection activity. If my office can be of any assistance, give us a call.

Tom Rosenblum