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  1. AntiqueDave, I can't wait for out appt next Fri. Thanks for the advice. Debtfighter - I really don't know if it is important, but I had a BOA credit and a Sallie Mae MBNA credit card. When BOA and MBNA merged I called them and asked them if I could combine both accounts into one card. They agreed and my limited became the $39K, so now it's a BOA Sallie Mae credit card. Glassner and Glassner attached two BOA statements, one being from March 2010, which was the last time I was able to make the $1200 min payment. I cannot log into my BOA online account anymore because the account is closed,
  2. My husband and I are meeting with a bankruptcy attorney next Friday. The situation is that we are current on our mortgage (1st and 2nd). I am current on all my other bills except for this one BOA credit card. He is severely delinquent on all of his credit cards. Do I want to file for bankruptcy over this one credit card? Which will be worse? I obviously can't afford to have this creditor garnish my wages or freeze my bank accounts (not that we have anything). I've been reading contradicting things about the summons. Some website say if I ignore the summons that is bad, others say if I
  3. Hi there, I posted a thread on "Warrant of Debt", but that's not correct. I received a summons on May 6 (the clerk taped it to my front door). It's for a BOA credit card that I'm way overdue on (FIA Card Services?). Glassner and Glassner is the law firm. I have no idea how to respond to this summons. I have 21 days. I do know that I can't pay this debt right now (husband is unemployed) and it's $39,000. I did try to work out a payment plan with BOA last year, but couldn't commit to it because they were asking $6oo a month for 5 years. With my husband being unemployed there was no way I
  4. VADebtor, got your PM. Thanks! I can't PM you back because I haven't hit the 10 posts limit. That's a weird rule. We contacted Robert Weed and have started working on filling out the paperwork. Could you please PM me back with more info? What is the process like? His fee? Does he have an installment plan? Thanks!
  5. Please send me a PM. I tried to send you one, but couldn't since I don't have enough posts. Thanks!
  6. My husband and I are seriously considering bankrupty (we live in VA). He's currently unemployed. We are seeking out an attorney, but thought I would reach out here first. We're current on our 1st and 2nd mortgages and I am current on all my credit cards and personal loan (make min payments only). except for my BOA credit card. I haven't been able to pay on it for a year. They raised the min payment to $1200. Balance on BOA is $39,000. I'll be going to court for this soon and what worries me is that they will garnish my wages and bank accounts. We have no savings. I need to my paychec
  7. Thanks for the posts. Our main goal is to first pay the mortgage, then other bills. When choosing which bill to fall behind on BOA was the obvious choice because the monthly payment had skyrocketed. Chase set up a 5 year payment plan with me, which I have not missed a payment. When I was trying to work with BOA the payment plan they tried to set up was still ridiculous. The thing is that once my husband gets a job we are going to agressively attack the debt. We made mistakes in the past and we acknowledge that. I'm going to call Glassner and Glassner to day to see if they will just wait
  8. Hi, This is my first time posting. My husband and I are in extreme financial hardship. He's been out of work for over a year now. However, we are current on our mortgage and I am current on all of MY credit cards and a personal loan except one (min payments only). Sallie Mae student loan is being deferred due to financial hardship. Bank of America is the only debtor that I am severely late on. My minimum payment jumped to $1000 a month back in March 2010 and I could no long afford to pay it. The mortgage had to come first. The total BOA credit card debt is $39,000. This is a Sallie M