Looking for direction (from those who own be there) around credit cards and collections? O.K. So, I'm over $14,000 in debt to a major credit

O.K. So, I'm over $14,000 in debt to a major credit card company. I other had good credit and payed my bills up until January of this year when I run into horrible luck with my health and lost my situation. No one will hire me because of my health and I'm being told I call for to apply for disability, but I hate the thought of that..so please don't say achieve a job...I'm trying anything and everything and it's not working. I'm flat broke, borrowing money from a close friend to survive on. Bankruptcy and credit counseling are not option. I have zero income. My credit card company have written off my debt as a bad debt even though I be sending them $25 payments (it was something) up until May of this year. I guess that doesn't count for anything. The calls be non stop, but have now creased. I believe their collectiond dept or a 3rd knees-up sent me something via UPS...no name..only an address but I refuse it. I'm trying to avoid it, hoping it will just go away..prob not. Any warning? Thanks

The Secrets of Million Dollar Home Based Business Opportunities
By: Daegan Smith
Maybe you should take the disablity...after use some of that money to start a home/internet business that will start creating some income. Look on ebay for internet businesses...

You may not like the thought of disability but you need to procure some income coming in somehow.

If your debt has already gone to collections, your credit evaluation has already been hit. What you call for to do is get some income to live off of and be capable of use to set up a payment plan with whoever bought your debt. Once you do that, bring back them to agree (in writing) that they'll take the collection off your credit report once you've remunerated it.

But if you have zero income, you really have need of to concentrate on that more than the credit card debt because that's already hit your credit score. And no, it's not going to go away but you can other deal with the collectors once you've get at least something to pay.

It might be in motion away, say if a debt were a couple of thousand dollars, but $14k is a LOT and worth them suing you for.
Banks & lenders will do something call a CHARGE OFF,which basically eliminates the debt from a collection standpoint. But again, will they do that on a $14k debt, probably not. Sometimes they will verbs to sell off your information to another collection agency.. then another.. and another. In essence, if you are finding yourself in severe financial duress... you might consider speaking next to a Bankruptcy attorney about your options contained by filing a chapter 7 or 13. Some states have a Statute of Limitation on how long they can attempt to collect on a past-due debt but you'd obligation to speak with an attorney regarding that (some enjoy websites with all sorts of free information concerning credit law for your State). Sending them $25 a month is not going to call past its sell-by date the wolves and it won't stop them from suing you and getting a judgment (if that's allowed in your State). However you enjoy to keep in mind, you can't win blood from a turnip .. so if you have nothing to give somebody a lift, what are they going to get ? Many states do not allow a creditor to garnish your wages on a sentence in regards to non-secured debt resembling credit cards...(Arizona is one of them, there are others). Collection agencies are very aggressive and can completely scary and intimidating... and they do have the right to verbs to try and collect from you as long as you keep sending them any money at all. By the opening, a lot of BK attorneys will give you an initial consultation free of charge.
Hope that help ... (been there, done that, it's stressful).

the call and dunning won't go away if you ignore them, and even if they charge them stale by law you still owe them. If you need to run on disability to survive because you have medical needs afterwards go hire an attorney (they don't ask for money up front, they take their tax out of your award). The attorney will fight for you for medicare and prescription drugs.In the meantime get on welfare and apply for food stamps. If you can't stall rental payments move surrounded by with a relative for a while.

Consumers Credit Card Counseling have helped many general public for years. Check with your local phone book to see if there is one within your area.
Also I am dealing with mortal disabled from an accident form work and am fighting the state going on for it. TAKE the disability so at least you do have some type of income.

Do you own a home? A car?

Why is bankruptcy not an remedy?

I can pretty much assure you that for $14k in debt, they will sue you. It's only a concern of time before they get you served. Keep a close eye on your local court. It's really possible they served you through an "alternative" method and you have a court date. If you don't show up you will get a defaulting judgement.

So it's just a matter of time.

Obviously paying the debt is out of the ask. So you really only have two option.

1) If you don't have a home, and very little property (and no income) you are "judgement proof". If they win surrounded by court there is no way they can collect. It will slay your credit for the next 7 years, and if you ever do find a job they can garnishing you in the future.

2) With a bankrutcy, you should be capable of get a chapter 7. With no income you can qualify for it easily. A ruin will kill you credit for several years also, but it's already dead very soon, so what differance does that make? If paying the fees is a problem, the law does provide for nouns in this area, by waive the counseling fees and a large portion of the legal/filing fees.

Credit counseling is obviously out because you don't own any income to pay the debt off, so what's the point? (I love these joker here who recommended that to you.they can't read).

Good luck. I wish I had better suggestions for you.

Answer:
If you genuinely cannot work because of your health, next apply for disability. You need to make sure that your deep living and medical expenses are covered. Even really close friends will draw the line when it comes to loaning money.

As for the debt, I agree with a couple of the posters above - the credit card companies will not administer up easily on $14,000. Bankruptcy might be your only way out at this point.

Get disability and for God sakes don't worry give or take a few a billion dollar company getting their money.Hang up on all collectors like you said your broke. Take meticulousness of your self and let the debt go. You can never repay it and if you start to collect disability never ever use that to reward a credit card debt.Let it go it's not your fault.