I have bachelor of science in mathematics and I could not get any job since graduation. Due to my inability to get job, I had to file chapter 7 bankruptcy protection. I noticed the bankruptcy lawyer’s office was flooded with clients. There were like 37 to 40 people sitting in the lawyer office lobby to wait for their consultation. The bankruptcy lawyer told me "its been very stressful with so many clients. I am sorry for making you wait this much". He charges 1800 dollars per clients. And since there were about 40 in lobby, that’s an income of 72000 dollars already. And the consultation fees is 350 dollars for the first time meeting. Having seen this I get motivation to become bankruptcy lawyer myself and open my own law office. Because of poor economy I will surely get lot of people who want to file bankruptcy. And since I have bachelor of science in math I already meet whatever pre-requisites are required to enter law school. Moreover, my bankruptcy attorney graduated from my own university law school. So what more do I have to do now after BS in math to become chapter 7 bankruptcy lawyer? I will file chapter 7’s for all the broke and poor people in the town

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I am thinking of filing for chapter 13 bankruptcy. I don’t qualify for chapter 7. There is a few things I don’t understand, if I owe a total of 30,000 with creditors, some of which had interest and late fees accumulate. Will I be able to have the court take of the interest that accumulated. For instance I have a credit card with 00 balance and due to late payments & interests its 00. Will I be able to remove the extra 00 that was incurred.

Can I file the paper work myself? What would it entail? I checked a lawyer in NY and he wanted 00. The reason why I am filing for bankruptcy is because I can’t afford the bills. Does anyone know the typical fee for a bankruptcy attorney in NYC.

Do I have to pay the attorney in full for the creditors to stop calling?
How does filing chapter 13 affects getting a job down the road, particularly in the engineering field, IE utility, phone, construction etc.?

Technorati Tags: amp, bankruptcy attorney, chapter 13 bankruptcy, chapter 7, credit card, creditors, filing for bankruptcy, getting a job, late fees, late payments, lawyer, typical fee

My Husband and I filed Chapter 13. However, we have decided it is not a good move for us. So, we have our Creditor Meeting with the Trustee this week and want to know what will happen if we decide not to go through with this? Mainly, does this go on our credit report anyhow?
I wanted to add that we are using a Bankruptcy Attorney and we are just looking for more info to make our decision before we talk to her about it. Thanks for all of your help in advance

Technorati Tags: bankruptcy attorney, chapter 13, credit report, creditor, trustee

I had my 341 meeting today and Im so glad that this is over with. My trustee was a local bankruptcy attorney that advertises WAY too much and my neighboorhood, and he kida looks like skeletor.

Anyways he was particullary found of me since I filed bankruptcy ProSe(By Myself) I had a few tiny problems and he wouldnt be specific on how to fix these problems and am hoping someone can help me and tell me what I have to do

#1 I had lost my wallet a few months ago it had my social security card and everything in it. I went to the SSA builing and filed a replacement card application. I had told the lady at the counter I have a meeting coming up where I need to show proof of my social. She told me " This reciept is all you need to show" I did and the trustee rejected it. I have to get him something with my social

#2 I was told before the 341 meeting that I needed to drop off paperwork to his office. I needed to drop off my bank statements, Paystubs, Income Tax Returns. (SEE MORE BELOW)
And a copy of my Petition. I had a copy of my petition saved on a CD and I had thought that the State Bankruptcy office would have given him a copy. But just to be safe I had printed out a copy of the original petition and handed to his office. He cocked an attitude on me again saying," How am I suppose to verify your signature" i had told all my signatures was on the original and this was a duplicate. I dont remeber him saying anything else needed on this end. But just to be safe

#3 On My list of assets he said I have to amend my return to say the details of my car which Im claiming an exemption on. I wrote "debtors Personal Vehicle" but he wqants I think the make year model etc. And also I claimed my checking account as an assett which only had a hundred and he says I need to put an exemption on that. He wants me to amend schedule C i think it was

He ended it by saying quote"DO NOT CALL MY OFFICE FOR ADVICE ON HOW TO FIX THIS" (SEE MORE)
I remember him saying I had till the 28th two weeks from now. Do I just have to get all my paperwork together and can I mail it to his office or something else? I’m really in the dark and wish I had hired an attorney. PLEASE no smart ass remarks about ohhh you should have gotten an attorney. If I could have afforded the fees I would have. Thanks

Technorati Tags: 341 meeting, assett, bank statements, bankruptcy attorney, bankruptcy office, card application, checking account, debtors, income tax returns, neighboorhood, paperwork, personal vehicle, petition, prose, reciept, schedule c, social security card, state bankruptcy, trustee, wallet

I met with my bankruptcy attorney and I do not qualify for a Chapter 7, so I have to go the route of a 13. Has anyone had any experience with the confimation process? I know that I am supposed to commit all disposible income to the plan. So this means that for the next 5 years, I can’t do anything but work and pay. Did anyone have any trouble getting a plan confirmed?

Technorati Tags: bankruptcy attorney, chapter 7, disposible income

My hubby makes ,000/year, but over the past 3 years, over 60% of his income has been going towards debt payment alone, meaning we have been living EXTREMELY TIGHT for 3 years now. We are now only down to ,000 and my husband is thinking about filing NOW, after all we have already paid off! Is filing worth it?

We will be talking to a Bankruptcy attorney about this on Wednesday, but I just want to know now, if anyone has any ideas.

Thank You!

Technorati Tags: 3 years, bankruptcy attorney, debt payment, hubby

I have a few questions about their divorce. My husband and I cannot get approved for a loan on a house because his ex wife still has not refinanced the house they had bought together. Her husband makes ten times what we both do combined, and she refuses to refinance and she is continually 30-60 days late on mortgage payments. They divorced over 2 years ago, and he signed the quit claim deed. We called the title company the other day and they told us the quit claim is invalid because his name was not printed in the notary box, it had only been signed. So I told my husband I am going to file bankruptcy on all my past due debt, because I will not be able to buy a house until I am almost 30 by myself. He wants to file as well. Combined we have over 0,000 in debt between the mortgage in his name and medical bills for us and our children prior to having insurance. So can we file bankruptcy on the house? And if so what will happen to her? I am going to speak to a bankruptcy attorney in a couple of weeks to learn more but was wondering if any of you have any idea.

Also I called his ex wife to try and find out if he signs another quit claim deed and gets it recorded properly this time will she refinance and she refuses.

Technorati Tags: bankruptcy attorney, claim deed, divorce, insurance, medical bills, mortgage payments, title company

I got into financial trouble after my divorce when my ex wasn’t paying child support. I am still so far behind there is no way I can ever catch up! I want to file bankruptcy, but when I called a bankruptcy attorney he said it will cost me 00 up front to file. If I could afford to pay that, I wouldn’t need to file bankruptcy! Help! Is there another way to file without paying all those fees?
Let me add that I have not been paying these creditors for a very long time. I can barely afford to pay rent, utilities, car payment and put food on the table for my kids. There is NO WAY I can come up with that kind of money!

Technorati Tags: bankruptcy attorney, car payment, child support, creditors, divorce, financial trouble, food on the table, long time, money

My husband and I have decided to file Chapter 7. We have already contacted a bankruptcy attorney, but have not officially filed. We are going to surrender our house. It is worth less than what we owe on it. We are currently less than 1 month behind on our mortgage payment. How long after filing would we need to be out of the house? We don’t want to get notice and have to be out all of a sudden. By the way, we are filing in Illinois. Please…no responses about how bankruptcy is a bad thing. You don’t know our financial situation. Thank you.

Technorati Tags: bankruptcy attorney, chapter 7, financial situation, mortgage payment

I just moved from VA to FL and I need to file bankruptcy, does anyone know when I can do so? I had an over the phone consultation with a bankruptcy attorney’s office (not the attorney) and was told that because of my length of residency in FL I’m not able to file yet. Is this true?

Technorati Tags: bankruptcy attorney, phone consultation