The US Constitution permits citizens to sue anyone at any time for anything. Whether the suit will be heard is another matter.
Expanding on the above...presumably you feel they didn't do what they promised. The written agreement between you and them would be the most important thing to prove your case...and I'd suspect it is written to protect them well...including things like it supercedes verbal representations and may even require you to submit to arbitration before going to court.
You do not have to necessarily get credit counseling before you can file for bankruptcy.
Most states do not require you to take a credit counseling course before filing bankruptcy. This is typically a volunteer activity.
The purpose of credit counseling is to let a person know ways to reduce their debt. They also counsel people in ways to stay out of debt. A person might need credit counseling if they are about to file for bankruptcy.
Yes, a collection agency can still file a judgment against you even if you're working with a credit counseling agency and making monthly payments. While credit counseling can help manage your debts and may negotiate with creditors, it does not prevent legal actions if payments are missed or agreements are not met. It's essential to stay in communication with both the credit counseling agency and the creditors to avoid potential legal consequences.
Filing for bankruptcy is a complicated process and one should consider hiring a lawyer to help with the filing process. You also need to undergo credit counseling and be aware of what type of bankruptcy to file.
Chapter 13 is a federal law, which means it is the same in all 50 states. See 11 USC 1301 et seq. The U.S. Constitution calls for a uniform set of bankruptcy laws. The exemptions available to Chapter 13 debtors, on the other hand, differ by state. The homestead exemption in Michigan, for example, is $35,300 in most cases.
If seeking simply the credit counseling requirement needed to file for bankruptcy, some sites online offer the service for as little as $5. Yet professional and sincere credit help may cost you nothing. If an individual truly wants help reducing his or her debt, very many credit counseling firms are non-profit and offer such a service for free.
The fact that you have a repossession on your credit report is not a determining factor of whether your can file for bankruptcy. Generally in bankruptcy you can remove the debts from the repossession of your vehicle.
The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.
Thier actions, or lack, do not effect your ability to file for bankruptcy.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.