Back in the beginning of 2010 we retained a bankruptcy attorney. We have close to 100000 in credit card debt and car loan debt. We have not paid our mortage for a year and a half. However, we are negotiating with a non profit to refinance our mortage and reduce the loan. Our attorney says we need to wait until that is finalized before filing. My questions are these. It has been two years since these cc debts were charged off. Won't they just "go away" after seven years from my file?
The auto loan people have been given the attorneys name and yet repeatedly call seven, eight nine times a week. They said they are allowed to do this until they have a case number. Isn't this illegal? I have an attorney. Can they do this? This was also charged off. Is any off this worth a bankruptcy?