My wife and I are residents of Texas. Recently, my wife has been sued for an old credit card debt by a collection agency. We are buried in 30k debt and are thinking to work out a payment plan with the collection agency or file for bankruptcy. What should we do since we have already missed the 30 days period to reply to the court.

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I think you missed the answer to the complaint that was filed. In such a circumstance, you should immediately seek the advice of a bankruptcy attorney practicing in your state and who is knowledgeable enough to deal with debt issues. These days, most attorneys offer free initial consultation. Try to take the advantage of this.
 


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