Well, here I am, 23 years old and ready to file bankruptcy. I got my first collections call on tuesday last week. I have a debt through citibank for over $8000 and don't have the money to pay it. The lady gave me an option of doing $4000 down and paying the rest $1000 a month till paid off. She's giving me til 4/15 to get the money. She originally told me to apply for a loan or another CC to just charge it. On thursday I get a call from her manager about it, when I had to call her friday, I told him and we hung up. I got denied for the loan and she said "Oh no don't apply for a loan, you need to get loans from family and friends." She back peddled on her original statement. I have until monday and i know it's not going to happen.
I called a lawyer on friday and have an appt on wed, but my concern is what do I tell this woman that I have to call on monday? Do I tell her I'm going to speak to a lawyer about bankruptcy? Do I wait and have the lawyer call? The collections company is United Recovery Systems, they were taken to court for breaking the Fair Debt Collection Practices Act.
Here's the link to the article:
http://www.ftc.gov/opa/2002/04/unitedrecovery.shtm
I really would like to speak with a lawyer before I call her on Monday.
Any advice would help and be appreciated.





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