Alternatives To Bankruptcy

 Possible alternatives for you are to (a) try to make payments on the credit card (b) contact the credit card company and try to settle the debt (c) to make an assignment in bankruptcy. You did not state your source of income therefore I am unable to determine if you are 'jugment proof'. And yes, your debt can be sent to a collection agency. Nora Lee Edwards Meyers Norris Penny Limited British Columbia