When To File Bankruptcy » When To File Bankruptcy http://whentofilebankruptcy.org Consider All Your Options | Free Tips, Q&A and Online Resources Thu, 29 Dec 2011 01:20:44 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 Help! Do I get an attorney to file bankruptcy or do it myself? http://whentofilebankruptcy.org/help-do-i-get-an-attorney-to-file-bankruptcy-or-do-it-myself http://whentofilebankruptcy.org/help-do-i-get-an-attorney-to-file-bankruptcy-or-do-it-myself#comments Sat, 29 Oct 2011 00:01:49 +0000 admin http://whentofilebankruptcy.org/help-do-i-get-an-attorney-to-file-bankruptcy-or-do-it-myself So, I recently (a couple days ago) was served with court papers, I am being sued by a hospital for ,000. I have about k-100k in medical bills alone, so to avoid paying the ,000 I know I should just file bankruptcy. Today I had a consultation with an attorney, and I am SO confused still. It was a free 30 minute one, so maybe that’s why I felt really rushed and lost…but anyway. It’s going to cost about ,500 to file. I am a 25 year old BROKE college student who works part time at a retail store, this is a lot of money =/ ….I know it’d be easier and for sure would get the papers done RIGHT, if I had an attorney, but I don’t know if I can afford it. I know you can file yourself. Has anyone done this? My sister got a paralegal about 5 years ago, and filed herself. She said it was about 0, but she said the paralegal was helpful in helping her with the paperwork, BUT she did miss a few things. I feel like I’d be paying the lawyer to basically just go to the court and turn in the papers, and come with me to court. I still have to do all the dirty work of course…gathering my bills, filling out all the paperwork, etc…but I’m not sure if ,500 is worth having an attorney. Also, I am confused on this court paper I got. I know that they will eventually file a judgement against me (within 14 days) and start garnishing my checks, I understand bankruptcy can stop this. But is it only after your papers are completely filed and done? Or is it when you START the process? I am so lost! The attorney told me to try and get all this paper work gathered and figured out before 10 days so we can start it before the creditor starts coming after my money through the judgement. Does anyone have any advice? Thank you!

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]]> http://whentofilebankruptcy.org/help-do-i-get-an-attorney-to-file-bankruptcy-or-do-it-myself/feed 7 what happens to your delinquent accounts and credit when you file for bankruptcy? http://whentofilebankruptcy.org/what-happens-to-your-delinquent-accounts-and-credit-when-you-file-for-bankruptcy http://whentofilebankruptcy.org/what-happens-to-your-delinquent-accounts-and-credit-when-you-file-for-bankruptcy#comments Thu, 27 Oct 2011 00:01:43 +0000 admin http://whentofilebankruptcy.org/what-happens-to-your-delinquent-accounts-and-credit-when-you-file-for-bankruptcy I don’t know if i should file or not, not that I have great credit, but I’m tired of some things that’s bad popping up, and I want more options for them not to pop up, I thought of getting my credit cleaned, but don’t know if there is a cheaper way to hide some bad stuff I don’t intend nor have to repair them the right way.

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]]> http://whentofilebankruptcy.org/what-happens-to-your-delinquent-accounts-and-credit-when-you-file-for-bankruptcy/feed 8 How much to file bankruptcy? http://whentofilebankruptcy.org/how-much-to-file-bankruptcy-2 http://whentofilebankruptcy.org/how-much-to-file-bankruptcy-2#comments Wed, 14 Sep 2011 14:08:37 +0000 admin http://whentofilebankruptcy.org/how-much-to-file-bankruptcy-2 I am so broke from medical bills I need to file bankruptcy chapter 7 I think. About how much are the court costs in Phoenix Arizona. Thanks

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]]> http://whentofilebankruptcy.org/how-much-to-file-bankruptcy-2/feed 4 What type of bankruptcy should I file? http://whentofilebankruptcy.org/what-type-of-bankruptcy-should-i-file http://whentofilebankruptcy.org/what-type-of-bankruptcy-should-i-file#comments Mon, 12 Sep 2011 16:49:25 +0000 admin http://whentofilebankruptcy.org/what-type-of-bankruptcy-should-i-file Here’s my situation. I was on the top of the world before I even turned 21. I worked so hard to accomplish my financial goals of basically owning my own house and own vehicle before my 21st birthday. Some where down the road I got lost… The great job I had to get the house, I had to eventually step back from to take a slightly lower paying job that offered insurance. To make a very long, struggle-filled story short. I lost everything. And when I say everything, I mean everything. My then fiance` and I split, needing to find our selves again. My new job wasn’t what I thought it was going to be. I inevitabley lost my house, my car, and had to stop making payments on all my credits cards because I quit my job to move across country (with my now husband) who is an Active Duty Marine (now deployed :( ). I know this is all over the charts, but since my husband is now gone, this is giving me a lot of time to fix/figure out our financial situation. Since my credit score is basically at the lowest point possible now, which bankruptcy should I file for? How does Chapter 7, 11, 13 etc work? My husband does make a decent amount of money, specially being deployed now. But really only enough to pay the bills and pay down his credit. Any and all information on this would be great.
Thank you so much!

God Bless our troops! God Speed be with you. Hurry home!!
Thanks KMcG. Yes – I am aware of th 7-10 year rule with bankruptcy. We’re even considering staying in the military (boo) to bandage all our debt.

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]]> http://whentofilebankruptcy.org/what-type-of-bankruptcy-should-i-file/feed 1 If I want to file bankruptcy, how am I supposed to hire a lawyer if I am… bankrupt? http://whentofilebankruptcy.org/if-i-want-to-file-bankruptcy-how-am-i-supposed-to-hire-a-lawyer-if-i-am-bankrupt http://whentofilebankruptcy.org/if-i-want-to-file-bankruptcy-how-am-i-supposed-to-hire-a-lawyer-if-i-am-bankrupt#comments Sun, 04 Sep 2011 15:40:58 +0000 admin http://whentofilebankruptcy.org/if-i-want-to-file-bankruptcy-how-am-i-supposed-to-hire-a-lawyer-if-i-am-bankrupt Lawyers, as far I know, cost hundreds if not thousands of dollars… So… if I want to try to file bankruptcy with my wife how are we supposed to hire and/or afford a lawyer to help us?

Thank you in advance.

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