but can they put a judgement against my house (still paying mortgages) and my car?
Yes, if the creditor wins a lawsuit they can put judgment against your house, that is a lien against your house and car. You house and car can't be taken away by your creditor but you won't be able to sell those till the lien gets removed. The lien can be removed only if you pay off the judgment amount.
You have mentioned that you are still paying your mortgage and the judgment is only for credit card debts. Can you provide your outstanding debt amount? Why are you thinking of filing bankruptcy? Do you think you are going to default on your mortgage payments?
You have several credit cards and so you can try consolidating your debts. While you consolidate your debts, all are consolidated as a single debt. thus, you are required to make a single monthly payment instead of one. The interest rate too gets lowered.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.