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My husband and I are being threatened with 2 civil law suits if payment by the end of today, 7/24/14 for 19,000.00 and the 2nd one for payment of 9,000 in 15 days from the date of receiving the certified letter. The 2 services are eldercare services that help elderly clients who stay in their home. My husband's dad past away 5/31/13. He had alzheimer. His mother, who is still in the home with short term memory loss, but is physically sound and very independent, has given her son hell since and before dad past away. The first agency received 200,000.00 for round the clock care of his dad and mom because they also reminded her to take her medications, cleaned up when she would allow them, and cooked. There primary patient was dad. After his passing, the first agency sold his company to this second agency that kept the care providers on staff. After cleaning out all the savings for someone to be in the home with her, we were at the end of our ropes. If one would ask, why didn't you bring her to live with you. The answer would be because although he loves his mother, my husband didn't have the best childhood as an only child with his mother. He feels she now wants him to be her husband and he has told her he can't be that to her, but he is doing all he can to allow her to stay in the home and be as safe as she can. We don't wish to file chapter 13 or 7 bankruptcy to stop these pending civil lawsuits, but we don't know any other option because she's also named as well, and for her to have to file bankruptcy at the age of 86 hurts our hearts. We have done the best for both of them. My husband was the POA for health and financial matters for his dad, and still is for his mom. She has been to the bank not remembering what we have told her about the situation and has tried to close out accounts that her pension comes in to for her livelyhood. It's a slippery slope. This man that's threatening us by the end of today is not a nice person. He really shouldn't be in that kind of service. We have been to a first time consultation for bankruptcy. The paralegal felt we should do chapter 7. We understand that it will wipe out the debts and stop these creditors, but we are in our 50's and we don't want to run from the debts because we paid all we had. We can't afford my husband's check to be garnished either. I have been retired for some time and I am an internet marketer which means my income is hit or miss and my husband's salary is the main one. Is there another way to do this without filing bankruptcy because we really do not want to do this.