I’ve learned that it costs money to file for bankruptcy. I think a little less than 0 if I do it myself and ,300 if I go to an attorney and they take care of most of the paperwork for me.
Problem is, I don’t even have enough money to file for bankruptcy where’s I’d do it myself. One of the loan agencies that I’m paying back that’s part of my major debt won’t let me borrow if it’s for bankruptcy. What do I do? Who do I turn to for this? At this point in time, wiping away my debt is the only answer. I know my credit will be shot for the next 5 to possibly 7 years, but it’s the only real option I have right now because I can’t afford to back back my creditors at this point in time.

Any help would be greatly appreciated.

Technorati Tags: bankruptcy, creditors, enough money, loan agencies, paperwork, point in time, real option

I bought my car at California Buy Here, Pay Here lot. I love the car but after three months almost four now, they still can’t get the financing to go through and keep running my credit. I put down 00 and have been paying faithfully month 0 based off the terms the Buy Here Pay Here lot wrote the contract for. I am about to file bankruptcy now and was hoping to keep this car. Now my attorney said that she is listing the car NOT to Reaffirm but to retain collateral and continue making payments. This so I can turn in the car at any point in time if I need to after the discharge without them being able to sue me later on. She also told me that there is NO valid legal contract because the financing company denied me NOT once, but twice and so the contract I had signed is null and void. I want to know, since this is the case, can I go back, turn the car back in and get all my money back? I put down 00 and have made 0 in payments so far. There is no in-house financing, I didn’t sign anything else. ALSO, she did a blue book and found that the car has dropped in value since purchase, can I renegotiate the price? They also refuse to get registration done on the vehicle because they said they need to get it financed. Help! If there are other alternatives, please let me know!
After making some phone calls, I have found all replies to be wrong. I just got a call yesterday stating they can’t get the car financed after three months. The dealer has lead me on to this point thinking everything has been done and they informed me they have forwarded my payments to finance company. Just to find out I have no finance company. Yes, I have insurance. I am passing this new information on to others as they have been clueless as I was until now. You can research this info yourself:
If the car dealer cannot find someone to buy your purchase contract, it can cancel the purchase contract, BUT it must notify you within 10 days of the date on the purchase contract! If it does not, then the purchase is FINAL and cannot be cancelled. It states on the back of the contract. I found out:
I do not have to turn in the car and they have to "honor" the contract and in-house finance it. They have been taking and accepting payments up until now and they must continue to do so.

Technorati Tags: bankruptcy, blue book, car dealer, collateral, financing company, insurance, legal contract, money, point in time, purchase contract, three months