Any Creditor Debt Without A Loan
Description
How to fill out Agreement To Extend Debt Payment?
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FAQ
Credit card debt can be tackled with debt settlement programs or filing for bankruptcy. Some of these options can help you get much-needed temporary financial relief. Still, there are drawbacks to consider, including the risk of being sued or selling assets.
Bankruptcy will allow you to discharge your unsecured debt like credit card debt, old utility and rent bills, payday loans, unsecured personal loans, and medical bills. If you're low-income, you can file a Chapter 7 bankruptcy. You'll have to take an eligibility test called a Means Test.
A copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by you. If the account has been sold to another creditor, that creditor must prove that it has the right to sue to collect the debt.
You can sue the debt collector for violating the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorney's fees and may also have to pay you damages. If you're having trouble with debt collection, you can submit a complaint with the CFPB.
Explain your current situation. Tell them your family income is reduced and you are not able to keep up with your payments. Frankly discuss your future income prospects so you and your creditors can figure out solutions to the problem.