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The best option would be to seek advice from a qualified attorney. The majority of attorneys offer free or minimal charge consultations. Bankruptcy attorneys are also experienced in dealing with creditor/debtor issues, or defending lawsuits by creditors if that becomes necessary. There are credit counseling services that will work as a mediator for the debtor, this however, is not always the most effective solution. A creditor has several options concerning delinquent accounts. They range from referring the account to a collection agency employed by the creditor who will continue collection action(s) to filing a lawsuit or selling the account to a third party, and so forth.... Macky..(macky83@juno.com)

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