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📺 Episode #2: Credit Card Lawsuits During Chapter 7 Bankruptcy: Why ‘I’m Filing’ Doesn’t Stop the Lawsuit
If you’re facing credit card lawsuits while trying to file Chapter 7 bankruptcy, this post covers the harsh reality I learned: saying ‘I’m filing bankruptcy’ doesn’t automatically stop collection lawsuits. Here’s what actually happens and how to protect yourself during the vulnerable gap between starting bankruptcy and getting your automatic stay. So here’s something nobody warns you about when you’re drowning in debt: filing for Chapter 7 bankruptcy doesn’t immediately stop credit card companies from taking you to court. I know, I know – it should work that way, right? You’d think telling a judge “Hey, I’m going bankrupt over here” would be enough to make everyone back off and…
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📺 Episode 1: The Day I Got Served (And No, Not Like in the Dance Battle Movies)
It was 7:00 PM when the universe said, “You know what she needs? A lawsuit.”The man at my door was polite. The paperwork he handed me? Not so much. What he handed me was a summons — I’d officially been served with a credit card lawsuit, and panic set in fast. He was a process server, and he came bearing a civil lawsuit — against me, Nyla Armstrong — over an alleged credit card debt. He asked me to sign a receipt, which I now know is a critical legal step. If you’re not served properly, it could be grounds for dismissal. 💡 Before leaving, he gave me some surprisingly…