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About Dragonchilde

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  1. Okay, here's the deal. About two and a half years ago, my mother got behind on her mortgage, and the property started moving towards foreclosure. She was giving up, so my husband and I offered to take over. We contacted the loan company, but they were still waiting on the file to arrive in their offices. (The original paperwork, I assume.) They said they'd call us when they got it. We waited a month, no call. WE called back, still no file. Another couple of weeks, and they said they'd lost it, but could we send some money anyway? Hell no, no account, no money, capiche? So. There it stan
  2. Not old enough for the SOL. Around two years, I think? The debts themselves are old as in from 1998, but I made payments on them for a couple of years.
  3. Okay, my debts have reached the point where I just can't pay, and I'm starting to get threatened with all kinds of dodgy legal or quasi-legal action. As much as I hate to, it's time for me to file bankruptcy. I don't know really how to go about it, other than just calling a lawyer. I have next to no assets (one vehicle, husband' primary, I'm cosigner) valued at around 10k. That's all. Otherwise, we literally have nothing. What do I need when I go talk to the lawyer? I'm a terrible record keeper, and 90% of my debts are old ones accrued in college, when I was a fluff-headed moron and d