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I have some debts, which were addressed in a bankruptcy a…

Customer Question
I have some debts...

I have some debts, which were addressed in a bankruptcy a couple of years ago. I had to cancel the bankruptcy as I couldn't afford the payments. Some of these are coming back to me now and I am being sued by Bank of America for a credit card debt. I was under the influence of the prescription drug, Abilify at the time these debts were occured. What can I do

Lawyer's Assistant: Because laws vary from place to place, can you tell me what state this is in?

Texas

Lawyer's Assistant: Has anything been filed or reported?

A bankruptcy was filed a few years ago, but we are currently supposed to appear in court for the BOA credit card on the 21st of this month. My husband is the true owner of that account but he is 65 years old and his work has filed for bankruptcy

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

How much will this cost?

Lawyer's Assistant: It can cost anywhere from $10 to $100, depending on the type of issue and how much of the Lawyer's time your question is expected to take (how complex and lengthy an answer you require).

Will I be told ahead of time

Submitted: 5 months ago.Category: Legal
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Answered in 2 hours by:
3/10/2018
Lawyer: Trista Johnson, Lawyer replied 5 months ago
Trista Johnson
Category: Legal
Satisfied Customers: 19
Experience: 10+ Years of Law Firm and Corporate In-House Experience
Verified

G​ood evening. My name is*****'m sorry that you're experiencing this dispute with a creditor. I know it is stressful. I'd like to help answer your question but would like a bit more information. I know these are a lot of questions but I want to make sure I give you a thorough and helpful answer.

What are your and your husband's current sources of income? (I'm asking to determine if you are "judgment proof")

When did you last use the BOA credit card?

When is the last time you made a payment on the BOA credit card account?

Is the account in your name, too, or just your husband's name?

Were you both named in the lawsuit?

Can you tell me more about the prescription drug and how it effected you during the time you opened or used the card?

Did you file what is referred to an "answer" in the lawsuit?

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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