Big Decision/bankruptcy

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      It is not that easy. You can’t just stop paying. That might have worked

      several years ago but not anymore. First of all the credit card companies

      will hound you. Each credit card company will call 20 or more times per day.

      I am not exaggerating. On Sunday they only call about 8 times.

      They also can come after you legally and make you pay through a court

      order. The only way to avoid paying is to file bankruptcy. Then the court

      either sets up a ( chapter_13) payment plan or gives you a ( chapter 7)

      total discharge.

      Diane

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      Original Message
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      From: “melinda irvin” <moon_goddess129@yahoo.com>

      To: <Budget101_@yahoogroups.com>

      Sent: Thursday, July 03, 2008 1:06 AM

      Subject: Re: Budget101.com : Re:Big Decision/bankruptcy

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