can i file for bankruptcy with out an attorney in pa?
Well I know I can, i have a bunch of credit card debt and medical bills no property or judgments. can i file myself? i talked to two attorneys and they both stated i am a good candidate for chapter 7. i basically can not afford an attorney so i want to try to file myself.
Posted December 30th, 2011 in File Bankruptcy Yourself. Tagged: attorneys, chapter 7, credit card debt, judgments, medical bills.
If your brakes aren’t working, you can fix them yourself, or hire a mechanic. That doesn’t mean its a good idea.
Nearly all consumer bankruptcy attorneys offer free consultations. Take advantage of this to meet with one and get advice based on all of the details of your particular situation. You can find a referral at NACBA.org (National Association of Consumer Bankruptcy Attorneys).
December 30th, 2011 at 7:02 pmThey don’t really go after you for medical bills as long as you pay them a little bit each month say $5 to $10. I don’t worry about the minimum myself.
For the first 6 months after I had to default on my credit cards due to unemployment, the primary lenders called every few days although legally they can call me daily. I give them my name, address, phone # & told them I was unemployed, then hang up. I didn’t elaborate or tell my life story, I was talking to a CSR & they don’t get paid enough to care, plus they take notes. This process was boring, name, address, phone number, I’m unemployed, then hang up. I was polite & shared nothing.
December 30th, 2011 at 7:02 pmAfter 6 months, they will charged off my accounts & sold my information to a third party collection agency. This meant that the primary lender had settled my account for 3 to 7 cents on the dollar. For example, I owed $22,000, the third party collection agency will pay $1500 for my information.
The third party collection agencies called me on Monday mostly. I gave them my name, address, phone # & ask if they had sent me their standard letter. I refused to give them my SSN, I didn’t know who they were. According to the FDCPA, they have 5 days to mail me their standard letter from the time they call. I got it on Friday. Often times, they didn’t call me, I got the letter first, but they can call me daily until I send them the validation letter in response. Then the calls stop.
Once I got their standard letter, I sent them a validation letter asking them to validate the debt. See video below, link for sample validation letter included. They must provide a copy of the original credit card form I filled out & signed when opening the account. They haven’t been able to. Copies of my previous credit card statements & print screens don’t count for anything. I sent the validation letter by Signed Return Receipt once they get it, they will almost immediately sell my information to another third party collection agency & the process repeats. I sent out 2-3 validation letters a month for 7-8 months until they ran out of third party collection agencies to sell my info to. It’s been quiet. There is a Statute of Limitations which is different for each state which you can google to find out.
I don’t worry about getting a petition, the laws still favor the debtor, not the lender.
By sending the validation letter every time, I’ll probably never see a petition.