I have to delay my bankruptcy and I am behind on credit card payments. Could they sue me?

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I have to delay my bankruptcy and I am behind on credit card payments. Could they sue me?I have to delay my bankruptcy and I am behind on credit card payments. Could they sue me?

I owe $20,000 in credit card debt and haven’t been able to pay it for a few months. I am currently away in China visiting my mother who is recovering from a heart operation.

I have a part-time job in Canada, but I’m on leave until I come back from my travel. My monthly paycheck is $700. I can’t afford my monthly credit card bills due to my low income. I rent an apartment with my roommate.

I don’t have any savings/ investments or own anything of high value. All I have is my clothes, laptop and bike. I don’t see my financial situation getting any better and I want a solution for my debt.

The collection calls have been non-stop, they call me several times a day. I am afraid the credit companies will file a lawsuit against me while I am gone. Is this likely to happen given I would be missing 4 monthly payments by the time I return?

If I file for bankruptcy after I come back would it be okay, or would it be too late to stop them from suing me?  I am so stressed out and going through a hard time in my life. Your help would be greatly appreciated.

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No one can predict if they will sue you or not.

But, I think it is unlikely that you would be sued in this situation.

If they do sue you then filing bankruptcy when you return will erase the debt.

– Licensed Insolvency Trustee (LIT)

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