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!

Technorati Tags: 100k, bankruptcy, checks, consultation, couple days, court papers, creditor, dirty work, judgement, lawyer, medical bills, money, paper work, paperwork, paralegal, part time, retail store

in-laws have seller financed mortgage because of 100k plus credit card debts completely quit paying on all them several years ago can the credit card companies put a lien on their house?how will i know?if so will they take the equity from their house if they sell it ?If they die and i am willed the house now will i have to pay their debts after their dead ?if no what if I sell the house later will they take the equity from me for their debts?

Technorati Tags: 100k, credit card companies, credit card debts, seller financed mortgage

I have a private student loan that i defaulted on when I got sick and when I tried to make payments i was told it was charged off. That’s when MRS Associates contacted me DEMANDING payment in full (93,000.00) I told them I clearly couldnt afford that and they offered to settle for something like 50k. I only make 40k a year and clearly do not have the kind of money around. My grandparents are my cosigners and I’m so terrified they will sue them. I’ve begged and pleaded for a payment plan but they refuse. My grandparents have their house in my mother’s name and they don’t own anything other than a car, but I fear for their savings and the whatnot if this does go to court. I’m trying to obviously avoid court at all costs. I know I cannot file bankruptcy, i know i should have paid the loans, i know all of the things that many people post on other questions–like i said i was hospitalized for a few months and never got a handle on my bills after that. If anyone has some advice as to what I should/could do to prevent my grandparents getting sued I’d be so grateful. Thank you and I appreciate your help.
Hey Lari, you get cancer and tell me how you deal with it. How about that? I’m sorry I don’t make 100k that affords my medical bills in addition to my student loans. I pity whoever has the dire unfortune to associate with you.

Technorati Tags: 100k, bankruptcy, cancer, cosigners, grandparents, medical bills, money, private student, student loan, student loans, unfortune, whatnot

I have heard it can be done and want to know how it can be done and under what circumstances as I know it’s difficult. I ask because I have over 100k in loans and have been unable to get a job that pays over 30k, and my payments are to be over 1,000 per month and I only make 1,600 per month.

Technorati Tags: 100k, 30k, circumstances, job, loans