List original debt holder or all those collection agencies


Hoaxbuster Nan

I owe 4 credit card companies, cannot pay since 12/03 - I've been
getting calls from collectors.

On one card - every 6 months - a new collection agency. You think some
have quit calling - then here comes a call about a card from Another

I'm considering bankruptcy because if I win a lawsuit in 2006 - it will
be under $25,000 but survival is very strong here. I'm disabled, and
70. It will help see me "til then." so I really need to keep it.

Question " Do I list the credit card companies or all those collection



Brett Weiss

I always list both.


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The Small Print: This response is for discussion purposes only. It isn't
meant to be legal advice and you shouldn't treat it as such. If you want
legal advice, speak with a local lawyer familiar with your state's laws who
can review *all* of the facts and the law applicable to your situation.



Wes and Linda Grady

You list the credit card company. If you want the collection agencies to stop
calling you, they get listed for "notice" purposes only. You don't owe them
money, so failure to list them has no effect upon your case.

C. W. G., Esq.

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