While the phone calls may become overwhelming, you also do not want to miss potential employer calls. Answer the phone and state the obvious -- that you cannot pay and do not know when you can. If the same calls continue every day and all day long, then you may need to send cease and desist letters.Finally, you can file bankruptcy without an attorney. While I do not know the success rate of cases filed as such, I do know that in California, about 20 percent of all filed cases are done without legal representation. This can be your only available option as you try to find a new job and care for those more important than your creditors -- your family. advertisementRelated Links:Insure home in bankruptcyTwo debts become oneChapter 7 still possible?Related Articles:Ch. 13 tops settling debtHiring a bankruptcy lawyerDon't pay dismissed debt
While the phone calls may become overwhelming, you also do not want to miss potential employer calls. Answer the phone and state the obvious -- that you cannot pay and do not know when you can. If the same calls continue every day and all day long, then you may need to send cease and desist letters.
Finally, you can file bankruptcy without an attorney. While I do not know the success rate of cases filed as such, I do know that in California, about 20 percent of all filed cases are done without legal representation. This can be your only available option as you try to find a new job and care for those more important than your creditors -- your family.