tag:blogger.com,1999:blog-13030962.post7897755682157928768..comments2008-11-25T19:54:32.878-06:00Dr. Shaun Jamisonhttp://www.blogger.com/profile/04739839765559924178shaun@guideonyourside.comBlogger1125tag:blogger.com,1999:blog-13030962.post-54779570197080561252008-11-25T18:40:00.000-06:002008-11-25T18:40:00.000-06:00I agree. It's always best to work on every option before going to bankruptcy.<BR/><BR/>Also, if the client decides to go ahead with bankruptcy, but wants to keep some credit (such as a retail credit card) open, please advise them that "just not telling the creditor" won't work. Many credit card companies now subscribe to electronic services that notify them of bankruptcy filings, or find out by other means, and if they know, must submit to the bankruptcy process.<BR/><BR/>Instead, the client should contact any creditor whose card they intend to keep to find out if that creditor is willing to work with them to reinstate that card through such legal means as reaffirmation. And they should do this before the formal filing, following up once the filing has taken place.SKJAM!http://skjam.livejournal.comnoreply@blogger.com