Bankruptcy Alternatives
Is non-payment of unsecured loans credit card alternative to bankruptcy?
I can not do debt consolidation. I prefer did not file for bankruptcy. A dishonest ex-husband got rid of their debts in me when I was surprised by a divorce from me two years ago after 14 years of marriage. This was in Texas.
In Texas, they can not garnish your wages. The limitation period is four years. You have no legal obligation to pay all that is that old. Most likely, their debts have been purchased by junk debt buyers for pennies on the dollar. They can do nothing without a judgmet. If you threaten to sue you can offer a solution for a fraction of the original debt.
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