I filed Ch 7 bk and the atty took my full payment last Nov but said to wait 90 days to file due to the laws (Colorado). Which we did... we filed this last Feb 2013.
One of my creditors was AMEX Platinum card who had given me approval to pay the IRS
$7000 last Sept 2012, however, they then cancelled my Pay Over Time option, thus, I was faced with a $7000 payment to them IN FULL.... I also had 2 other debts I included in the bk.
AMEX then filed a claim against me in the BK and hired attys to fight the BK... And my own atty agreed that I should now pay the $7000 back to AMEX after my bk is discharged ... And I have no money. Social security and part time retail income of $275 week. I live in a small apartment and have no valuables. 65 year of single female.
I have a legal Settlement doc to sign now agreeing to pay Amex $120 month for many years until I pay them off and I have no money to take on a new bill after paying rent
, car and living expenses! My atty says I have to... BUT WITH WHAT MONEY???? If they garnish my wages
I lose my retail job altogether. Then I have less money to live on. What good is my signing this AMEX agreement to pay? This is all about $7000 and AMEX wants to keep pushing to drag money out of me after I filed Ch 7 months ago.... And I have no money.
My atty says I need to keep paying him more money before he'll help me any further.
Please help me and advise me as to how to handle AMEX ... And what they can do to me after all this has occurred .... I'm paralyzed.