I just turned my papers to the court and was wondering if anyone had filed chapter 7 without a lawyer and what the results were. I dont know if or what kind of trouble can happen if you make a little mistake?
Thinking of filing bankruptcy but not sure how to determine Chapt 7 vs Chapt 13. Most importantly we want to keep our home and cars. We have credit card debt that we cannot keep up with anymore. Talked to a credit agency and they suggested contacting a lawyer to explore this as an option. We are in Jefferson County Missouri. I need to find a lawyer to answer some questions. Any suggestions?
I have been told that now is the time to do debt settlement if you are currently unemployed and recently widowed. A lawyer has said this is the time to do it while the window of opportunity is open all because of the bad economy situation. What do you think?
In November of 2006 my 00 debt with chase bank went into collections. A year later I called a lawyer who told me that if I haven’t been taken to court yet I probably would not. Well almost 3 years later and after the debt has been sold several times, I am being sued by lawyers representing North American Recovery Corp. I was told by Forward Properties (findaccount@gmail.com) that the current owner of my debt was the lawyers and gave me their phone number. I was served papers by the local sheriffs office and am supposed to appear in court on Sept. 24th. The first set of papers said that both parties had to appear on court and then i got a letter from the attorneys today stating they requested from the judge if they could be absent and do a phone conference while I still had to go to court. Is there any way to settle this if the lawyers have it and avoid going to court? The initial balance I owed on the account was just shy of 00.00 and the rest is all late charges and interest. I’m not sure how to attack this, who I should call etc etc, without incurring lawyer expenses of my own. I don’t have a number to contact North American Recovery Corp and cannot find one anywhere on the web. The one search that came up for that name was for another North American Recovery and they said there is another one out there. The debt is orig. from ohio and I now live in florida. Please help me with this headache.
Can you trust a law firm that says they can settle you debt? I know debt settlement companies are not too good sounding, but what if it is a lawyer?
I do intend to file this case by myself, so that means without a lawyer. so I need all the info that I can get without consulting a lawyer.
Last year my company did away with all overtime. Since then I have been using my savings to pay my credit cards and such and now that it is depleted I am starting to fall behind. How soon should I seek the advice of a lawyer for bankrupcy. I don’t see my company reinstating any type of overtime.
I was in a car accident in july, but have no idea how long the settlement will take. The guy that hit us had no insurance, so my lawyer said i half to sue my own insurance company. If i file for chapter 7 bankruptcy can they take my entire settlement? It will cost 1100 bucks to file for bankruptcy, which i will half to make payments on. If i get my settlement before im done paying for bankruptcy, can they still take it? Is there anything i can do??
The lawyer said he needs my husband check stubs for thr last 6 months .i have never seen his check .His take on this is i got myself in debt i need to get myself out.
We will be filing for bankruptcy in approximately 1 month. We’ve already contacted a lawyer..we haven’t filed yet because of the holidays. We had our car repossessed last month and received a letter about the sale of it this past weekend. The car sold at auction for approximately ,000 less than we owed. Is this debt considered new debt? And could be it filed under bankruptcy? Or is there a certain "age" the debt has to be to be claimed?
p.s. We are filing in Alabama.
Hi I am trying to decide between filing bankruptcy myself or getting a lawyer. Any suggestions? thx
Since my soon to be ex-wife racked up over 50K worth of credit card debt behind my back while we were married, my lawyer suggests that we file for joint bankruptcy.
I’m not crazy about the idea due to the downstream consequences…it stays on your record for 7 yrs., insurance co’s adjust your rate by credit score, renters wont sign a lease with you, etc.
Your thoughts?
What is the process of filing bankruptcy? Can I do it myself or do I need a lawyer? What are the benefits? What are the negatives?
My mother is bed ridden and unable to go to a lawyer’s office to file bankruptcy papers for herself. I am wondering I am with my rights to do so on her behalf as her legal power of attorney?
How does someone who is bed ridden and infirmed to the point that they cannot travel file for bankruptcy? She is not able to go do an office visit and needs someone to come to her residence to sign the paperwork. I am asking this question because I thought I could do so as her representative and legal power of attorney.
am in 63,000.00 debt for six credit cards. I need to get help getting bankruptcy. Do I go to a bank counselor or to a lawyer or can I do it myself? Thank
If I just filed bankruptcy but I get a judgment against me by default, will bankruptcy take care of it?
I cant include that in bankruptcy because i don’t owe that person anything, but I cant afford a lawyer and the plaintiff got one of the best lawyers in town…. So the case is pending right now.
my loan is 3000 and a lawyer told me thet can wipe out everything except that loan,will my credit score be any better…is it worth it?
Anyone know what would be the easiest way to do it? Can you do it yourself or have to have a lawyer file it for you?
I was told by a lawyer that I am judgment proof. I am ,000 in credit card debt. One of my cars is owned by my boyfriend who makes the payment but it is in my name. What will happen to his car if I file for bankruptcy?
i have a credit card that i got behind on, now its been 2 years and a lawyer has contacted me t find out if i want to settle out of court or get sued. i tried debt consolidation but can’t afford the payments with them and they recommended i file chapter 7.
I dont have much money and want to file within the next 2 months.
Can I do things myself instead of a lawyer?
Read below.. thoughts?
College is worthless, and the average person has no common sense
Unless you major in law, med, finance, or computers…there really is no point to college.
Heck, even computers you dont really need much education. These hackers who, well, hack…most of them never went to college, they just play with computers all day and theyre SMARTER than the people who work for the government with Masters! The government guys make anti-hacking software, then the hackers always find ways to get through it! So….do you really need college for computers either?
Or law, all you need is common sense to be a lawyer, and most lawyers dont have common sense. The law these days is a joke, a 17 year old guy goes to jail for 10 years for getting head by a 15 year old girl??? Innocent people go to jail all the time, innocent people get executed. Lawyers only defend you because you’re paying them too. If the other guy paid your lawyer double to go against you, he’d do it. And bankruptcy lawyers…do I even need to explain? If you wanna file for bankruptcy, you have no money! So why do they charge you 00 to file?
Business, do you really need a Masters to know how to manage a business, when there are people who barely graduated high school and own their own business? Finance…do you really need a Bachelors to know how to manage money?
So many people are going to graduate college, forget everything they learned, and decide to change their career paths. So many people opt to go to graduate school, get their masters, PhD….for what? When you graduate, you’re gonna have so much money in college debt to payoff, and unless you majored in law, med, or computers, u probably wont make anywhere near enough to pay it off. You’ll end up working 9-5, Monday through Friday sitting at a desk all day, and then go home and be to stressed to do anything. And on Fridays, you’ll get drunk off your ass because that’s all you know how to do.
Look at the amount of people being laid off. 3 million were laid off last year, and of those 3 million, i guarantee at least half had college degrees, maybe Masters, PhDs. NOW those people are fighting to work at places like mcdonalds. Theres no such thing as job security, NO SUCH THING. Within 20 years, when all these immigrants who cant speak English, start to speak better english, theyll take your jobs. Those people work 100x as hard as you do, and will do YOUR job for HALF of what you make, AND be 100x more productive.
The majority of these jobs, all you need is a month of on-the-job training, and you’re set. These hispanics who cant even speak English, go and cut someones lawn and make 30 dollars for the 45 minutes it takes them to cut it. Meanwhile, you’re making 25 an hour to sit at a computer wearing a suit and tie for 40-60 hours a week.
In this economy…you all think its BAD to live at home??? Quit dissing people who live at home, theyre SAVING their money.
Companies want you to think they wont hire you unless you go to college and study a bunch of courses you’ll never need. Sara graduated with a 99%, and Joe graduated with a 72%, and they both got the same degree, whats the difference? No employer is ever going to ask for your grades, and they also wont ever call your college to make sure you graduated. Ive seen ads for jobs that a monkey could do, and the company says "must have a BA in…", and im like "why?!…a monkey could do that!". They think that by going to college, you become a better all around person…when in reality, you probably become an alcoholic and party slut or party jerk. My cousin is married to a girl with a Doctorate, and shes had 6 reckless driving tickets in the past 7 years, and all she talks about is how her and her lawyer friends get together and get smashed…..wow, smart people.
You the employees are much more superior than your bosses. Theres 2-3 bosses, and 4000 employees, so who do you think would win in an argument? If you want a pay raise and you’re sick of kissing ass, simply STOP WORKING and go on strike til you’re CEO decides to give you a pay raise. Why is it that airline pilots, lawyers, doctors all go on strike to get higher pay raises (yet they make ENOUGH), yet the people who make shit money, never go on strike? Continue kissing ass, hating your job, and not standing up for yourself and i promise you, you’ll suffer for life. EVERYWHERE i go, 80% of people HATE their jobs and job life. Thats sad. Ok actually, they LOVE their jobs…when its 5pm and theyre ready to leave, lol. But when its 6am and they gotta get up, they HATE it. When its payday, they LOVE it. When its the weekend, they LOVE it. But during the work day, they hate it.
Supervisors, bosses, executives, managers, etc…are full of crap. I used to have a job where I worked at 7am, and one time I had to work at 4am. My boss complained that I wasnt doing much and being too quiet and lazy……at 4am. Hmm, I wonder why someone would seem lazy a
at 4am?! I mean, were these bosses born yesterday? ITS 4AM!!
One thing thats pathetic about employers, is they expect hard work for little pay. In high school I made .50 an hour at UPS, .50 an hour at an ice cream shop. I also made an hour at a grocery store, and all 3 jobs expected me to work like a dog. ….for how much per hour? No, you get what you pay for! If you want an HVAC technician to come install a new system in your house, and he offers to do it for 0, you WONT get a good system. Same goes with people. You DO NOT pay someone .50 an hour and expect hard work. YOU.GET.WHAT.YOU.PAY.FOR. Another thing thats funny is, companies expect you to give them 2 weeks notice before you quit…YET, if they fire you, they dont give you ANY notice, and your finances will be ruined. If you just leave, they’ll replace you in a day.
You wanna know why so many of you work too much? Because you’re materialistic. You have to have the top of the line car, the best apartment, you part
you party constantly, you gotta have the best HDTV, or spend 9 dollars on a drink….wtf?!
Book smarts will only take you so far. Street smarts is what you need to survive life. And common sense. Most people ive learned, have none of that.
All a degree says is, you went to college and took courses you’ll never need, and spent the money which youll now need to pay back…and ur job doesnt pay enough to let you pay it off comfortably. (Especially if you go to GW and pay 65K a year). Go look up online, the best doctors and lawyers in this country, they didnt go to Harvard, Yale, or Princeton.
Companies dont lay off workers because theyre losing money, they lay off workers because the CEO is making 2 million instead of 20 million, and that makes him sad.
My husband started the process in 99/00 but backed out in the very first stages, however it shows on his report as dismissed and hurts his credit severly. Is this right or should be dispute it? He actually called the lawyer and she said it was right but he has since paid all of the debt he owed and it, too, showed on his credit.
I want to file bankruptcy but can’t afford an attorney & the only legal aid office around has a waiting list. I have been researching and it looks pretty difficult to do it by yourself. I do have a house & almost every site I go to says that if any of the paperwork is filled out incorrectly I could lose my house. I live in Arizona, have you or anyone you know filed for bankruptcy without a lawyer? Is it really that difficult?
I have several bills that are way behind n several cash advances out. I am checking on bankruptcy n it costs alot to file with a lawyer.
My mortgage companys lawyer sent me a letter stating I have to be in court on Thursday for this. I mean I lost my house because I lost my job and I am still jobless to this day. Will this ever go away or do I have to file bankruptcy. I mean my house is all I have to file, that is my only debt. Please give me some advice.
After you file chapter 7, are creditors still allow to harrass you by mail or calling on your job or contacting people that know you?
If no, should I contact my lawyer and sue them?
This may be a dirtball question, but here goes; we are filing for ch. 7 because of excessive debt and cannot afford the expenses of our present home. We are current on our mortgage and our bills as of today, but in no way can keep it up (borrowing from Peter to pay Paul basically), we will need to find alternative housing(renting) and incur moving expenses and have no savings or cash on hand to do so, my question is, is it so horrible to stop paying crediters and our mortgage and just let it all go if we are going into ch. 7 anyway? And use the monies saved to pay for moving and renting expenses ?Our home has no equity and we are well aware that our credit will be devastated for a 10 year period. Sadly, we really do need to start from scratch or a clear plate due to poor judgement and unforseen circumstances. We are hiring a lawyer for the filing process, but have many unanswered questions that we are a bit embarressed to ask him, such as the one above. Thank you for your insight.
Along with politicians its time for change kick the bums out of Congress and fight for equal rights for people who need good jobs. You ever worked in an office? Some people are corporate terrorists intimidating workers while they cook the the books and rob the company pension. Business shouldn’t just be about tall guys making million laying off people and running a company into Bankruptcy. If you feel you’ve been wronged contact a lawyer or file a suit yourself. Enron is just the tip of the iceberg.
I’m not anti-business btw just anticorporate terrorism. Let your Representatives know. Write to them , if they don’t respond vote them out and tell them!! Tell people you know too. Those sleazy politicans love lobbyists $$ and hate to lose their jobs. Take back our country!! They should be serving the people not special interests like AIPAC and Big Business.
Can I move to another state and have another lawyer take on my case if I have already filed a Chapter 13 in Pennsylvania? Do I have to continue my court case in the same state? Am I committed to stay in Pennsylvania until the case is done? Or can I move to Colorado at any time and take care of the Chapter 13 in Colorado with another lawyer?