Should I sue the debt collectors or file for bankruptcy?
I suppose the real question is, which to do first…I am being harassed by one company in particular. It was a payday loan. They call me at least 7–8 times a day. They leave around 3 to 4 voicemails. That’s just on my phone. They also contact my boyfriend daily and my work. They are now claiming to be cops/lawyers. Today they disclosed my personal information to my boyfriend. I used to work collections so I’m aware of the laws. Unless payday loans are different, what they’re doing is very illegal. So I spoke to an attorney today and he wants to represent me. He thinks I absolutely have a case. But I do plan on filing for bankruptcy. So which do I do first? Sue them or file? Is there a certain order I should go in? Will it matter?
This question is in the General Section. Responses must be helpful and on-topic.