BOA credit card went to a law firm can I hire debt settling agency?
I cannot afford to pay my credit cards anymore I lost my job can I hire a debt settling agency?
A: The pertinent question is whether the law firm has filed a suit against you. If the law firm has filed a suit against you, then you will want to consult with an attorney as soon as possible. You generally do not need to hire an attorney to file an answer on your behalf, unless you have a legitimate dispute with what the initial complaint stated.
Hiring an attorney would be better than a debt settling agency for many reasons. First, attorneys can advise you on what to do in the face of possible legal action. Second, there are many debt settling companies that take advantage of people by promising great results and accomplish almost nothing. Also, many debt settlement companies have shady business practices, but attorneys have an ethical obligation to look after the best interests of their clients.
If you are facing multiple creditors and do not have a current ability to pay you may want to schedule a free consultation with a bankruptcy attorney in your area to more fully discuss bankruptcy and non-bankruptcy options that are available to you.
* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.
The Bornmann Law Group
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945
Evan Bornmann, Glendale Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.
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