I met with the lawyer in person on Friday. His one hour free turned into 3 hours. He is split 50/50 on wether I should file Bankruptcy or not. He kept going back and forth since I am already 4 years into the "battle". He knows I really do not want to file bankruptcy, and he sat with me going over all the pros and cons of fighting the suit or filing. He said it is a really tough decision. He said with out a doubt I qualify for chapter 7 because I fall well below the median, especially with all the exemptions I have.
It will cost me $2000 to fight this case, and I might not win because it seems to be the original creditor, but he did say they did not attach any documents to the service papers, which might mean they do not have anything and they could be trying to bluff me.
He also told me that even though the other account is past SOL, they could still file a suit and I would have to get a lawyer to defend, even though it "should" get thrown out after that. There is also another that is not quite past the SOL, and they still have time to file.
Bankruptcy would cost me $3000 to file, and I have to produce that quickly (within the next 2 weeks) I am even more stressed out than I was before the meeting. I have no idea what to do.
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