My, first post and I'll keep it as brief as possible. I was RIFF'd at work a while ago. I began using the credit cards to pay bills and buy misc. other items (nothing significant). My thinking was that I've been laid-off before and never had a problem finding something else: I'd eventually get a new job and be able to pay off charges (My attorney looked at me like I was a dunce: maybe I am).
Well, that didn't work out. After a while I realized I wasn't going to get a job like I'd had and be able to pay off the charges. I stopped using the cards, retained an attorney, and made plans to wait 90 days until I would be able to file (Everything was current at the time). I notified each creditor (and collection agency) I would be filing.
Problem was, I didn't get her fee together until May. I didn't file in May because of serious heath problems with my son. In any case, I just filed last week. In getting ready to file I retrieved a credit report and found creditors adding Key Derogatories with charge-off's, write-off's, and skip-trace. What does this mean to me in terms of the bankruptcy, and longer-term credit/employment issues?
I also had trouble finding the correct collections agencies to add to the filing and just received a new one this week. My attorney tells me I don't really have to amend the filing, that the letters to the original creditors suffice, that they should forward the notifications from the court to the correct agency. Is she right, or should I pay to amend?
Sorry it didn't turn out brief.