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I am a Human Resource professional and lost my job 3 years ago on Wall Street I am living with family right now, no savings left, no 401K left, no unemployment left, no job, no assets except a used car. I am living with my ex wife and son and they are helping with my bills and expenses until I find work. I had a lot of credit card debit and I have not been able to pay anymore. It was all with Citibank in NY and on my credit report it shows all my debt was is charged off. Now it has been with different collection companies. One of the collection companies is now sueing me for $3,000. I told them I maybe pay 20 a month and they said it must be $100 a month or they are moving forward with the law suit. I can't afford a lawyer what are my options ...HELP They said if I pay the 100 a month then this won't appear as a judgement on my credit report. Companies do background checks and I don't want any judgements to prevent me from getting a job. Or do I file bankrupcy for all my debt????
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I was once told my a bankrupcy lawyer that once he files it takes about 90 days in a case like mine because it is clean and simple. But if I get a job during that 90 day period that it is filed then the game changes because now I have an income....is that true?
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