Last night the same creditor called me twice and I explained each time that I was sending payments based on the percentage that my debt with that creditor represented from my total debt.
Today I got another call from the same creditor and again I was informed that they were going to take legal action against us and that they would garnish my husband’s wages and put a lien against our house.
Anyone have any encouraging thoughts or words? Any suggestions on what I should say the next time I call? How realistic is it that they would take legal action?
I feel discouraged right now as we were trying to do this on our own and the way things are sounding and looking we aren’t going to have much choice but to refile for bankruptcy.