What will happen if you can not make the payments to a debt consolidation program?
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Answer:
If this is a Chapter 13, you can petition the court for a modification or refiling. If it is with a private CC org. they can amend your contract. If it is a 13, contact the trustee as soon as you can and explain your difficulty. Do not let it default. Texas is a community property state. Unless the debt was incurred before your marriage it is your husbands debt also. In community property states, it is irrelevant whose name the account is in if you are married.
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