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I do have some collections from early 2003 that will be taken off my credit reports next year, and this will be my only negative account after that. Would I be able to pay off the bill with the cable company and then file with the current collections agency that it is an invalid debt?As POA for a sibling now in assisted living and on Medicaid, I am seeking the best way to notify sibling's creditors informing them of his inability as of this date to pay his bills. They were able to stop the proceedings and file for the chapter 13 in time. Our thinking is, if we file BK we will have more money to put towards paying and/or settling the non-dischargeable debt..... Recently her home was about to go into foreclosure..When a the person calls in regards to the free counseling shouldn't they identify themselves as being affliliated with debtconsolidated care without me asking. I have $20,000 in CC debt and am in hardship programs with all of them.How does a paid as settled look to creditors?. Please respond asap..We have been considering BK for the past year or so, since my husband's