More Creditor Contacts

I prepared a couple of brief letters today to creditors.

One to the dealership (a Buy Here/Pay Here branch of a reputable local GM dealer) where we purchased two cars over the past few years. The car we are currently paying on was recently totaled in a roll-over accident. As is common among many people with the debt load that we have, we didn't have auto insurance at the time (we've since corrected that). So the totaled car is sitting in our garage while we continue to make $300 in monthly payments.

The second letter was to the law office that represents the company that filed suit against me earlier this year (I mentioned making an agreed settlement with them in an earlier post.

Both of these are accounts that are two payments behind. The body of each letter consisted of just one sentence:

Please contact my Attorney about the above referenced account.

Then I included contact information for our Attorney. Assuming that it wouldn't be long before they started calling me -- or showed up at my door in the case of the car loan (they don't know that it was totaled) -- and I wanted to head off the inevitable.

The agreed judgement was a bit questionable. There's a court ordered amount that I'm supposed to pay each month on an old credit card bill. By not paying, I'm in violation of that court order. According to my lawyer, even a court ordered judgement can fall under the protection from creditors that bankruptcy will give me. I can only hope that he's right.