Good morning Tom,
Please understand, we are not allowed to represent JustAnswer customers. We are limited to answering questions for them in this forum. So, I'm afraid that I can't become your attorney.
I am not a bankruptcy expert, per se; however I am familiar with the basic procedures involved, and generally what can be done through bankruptcy. However, your initial question is quite different from what you are asking right now. While I suspect that you may have more questions as regards your situation as time goes on, under the rules of JustAnswer, users are supposed to ask only one question per question thread. While your many follow up questions do relate to the facts you have initially stated, they are in fact new and different questions and should be placed into a new question thread.
Too, despite the fact that I fully answered your several questions yesterday you did not see fit to accept my answer. Was it not helpful? I know it was accurate as far as the law is concerned. JustAnswer is not a free site, but is based on the honor system. You ask, I answer and you then release your deposit.
What I can tell you is that most credit card companies will
accept between 30% and 60% of your debt as payment in full rather than having you file bankruptcy. You will have to be as much as 3 to 6 months behind in your payments to them before they will even consider negotiating, but they will
eventually capitulate and negotiate with you.
Please don’t forget that I only receive credit for having helped you when you click on the Accept Button located at my Answer.
Edited by LawTalk on 3/3/2010 at 1:32 PM EST