I recently filed chapter 7 bankruptcy and was awaiting my discharge papers. Instead I received dismissed paperwork because my attorneys did not send my financial management certificate to the bankruptcy court. They had the paperwork 5 days before my case was dismissed, now they want me to wait another month to wait for a discharge. I need a car and my children have been living with relatives until I can get on my feet.
What is the best type of attorney to contact about student loan debt? Bankruptcy lawyers seem to cringe/avoid this because student loans are currently exempt from bankruptcy.
Is there any in the US that take this stuff serious and can help broke former students?
I mean there has to be some attorneys that now have experience in these matters since the economy is now becoming flooded with unemployed new attorneys.
this is from a consumer loan company I filed bankruptcy on..now they are trying to put a lien on real estate I do not own…my ex wife does..i never received a summons or notification…just saw it online when looking something else up
the court action is against me in this case…she had already been notified that the loan co was going to garnish her wages for the loan (joint)..the divorce decree states I have to pay the loan..I couldn’t and filed BK …how can the loan co come after me? I have been told by attorneys to pay her the wages back she is having garnished…because of the ruling in the divorce
Isn’t it if I don’t answer this action although I have no summons…that they win by default? obviously they are not telling the courts I filed bk…
Curious if anyone has an experience that may persuade me one way or another based on positve or negative experiences. A paralegal is like half the cost and lets face it if I am considering bankruptcy I have less money to hire/spend. On one hand I believe a paralegal to be just as competent as an attorney and most do the lion’s share of work in law firms and then the attorneys comb over their work and sign off. But does an attorney offer any more protection than a paralegal, for instance from a trustee and their digging or at charge off or have more guarantees in a bankruptcy. Or is a bunch of hype.
I’m in the process of filing a chapter 7 and my attorney’s office is still working out the details. It’s a real fresh start; my son and I moved in with my family, we’re letting the house go as part of the CH7, etc.
Unfortunately, the attorney has yet to actually file the CH7 on my behalf. I work 8-5, Monday-Friday, and I just started this (well-paying) job so I have no business asking for time off.
The mess comes from Citifinancial, who has involved their attorneys in collection of an old debt. You know, the kind where when you tell them you’re having trouble paying, they "help" you by telling you that you have to refinance the debt, borrowing more, and won’t work with you otherwise. The debt is 6 months from clearing statute of limitations on collections, so they filed suit.
On the 8th, I have a court date right in the middle of my work schedule. The attorney’s office said they couldn’t file my CH7 until a week after, but said "we always advise our clients that it’s better to stay at work and make money, than to lose more by going to court when you’re going to have a judgment against you either way. " They then said it would take 45-60 days for me to see any ill effects from the garnishment, and by then, I’d be within the automatic stay period anyway. I was advised to simply wait for them to contact me next Monday to obtain anything missing from what I gave them as far as information is concerned.
This makes sense to me, but I feel a disturbance in the force. Can they instigate a garnishment at the very same time they obtain the judgment? I’m in TN and can’t find anything to satisfactorily answer this, though it seems "implied" that they must first attempt to collect from me under the judgment before they can attempt to garnish, whether I show up or not. I know I should empty any bank accounts (indeed, perhaps close them) before the judgment goes into place, but do I need to go to the civil court date anyway, if the next week my automatic stay would begin?
I’m very confused as to what I should be doing.
To clarify: I contacted the attorney and reached the paralegals, but have been unable to reach the attorney. The paralegals are the ones who guided me on these most recent steps.
I just noticed on my summons, there was no notation as to the proper window in which I must "Answer". This is supposed to be there, and I was served exactly 30 days before the court date. Can I submit an "Answer" citing that due to the lack of definition by the Plaintiff on the summons (which was authored by the plaintiff and signed off on by the court), that in addition to being unable to attend on that date and needing to reschedule, that the Plaintiff intentionally evaded my rights to respond in order to attempt forcing a default judgment?
Hi, would an attorney push for chapter 13 instead of chapter 7 bankruptcy? Do attorneys benefit when filing different ways? Do they make more money one way over the other? Thank you
I was served yesterday legal papers that I’m being sued for less than ,000.00 by my creditor, first I’m unemployed, I looked up online and found a lawyer that charges 50 for filing bankruptcy, I need to know the best option and plus I don’t have any money! they only thing I own is my car which is been paid off, I know it sounds like a radical question but how are they thinking of getting paid by me when I don’t have any assets? are they trying to take away my only property which is my car? and plus I can borrow money from my mom( I’ve been living with her)(her salary is approx: ,000 annually)(since I’ve looked over the fact that they see if you’re living with someone they might take them responsible as well!)(so she can’t be because we’re already below the minimum salary rate) anyways my radical question is should I even get bother by it? I mean they can’t get anything off of me! I’m flat BROKE! my bank account is even overdrawn by thousands! and since if you’re answer is yes<< (you are being sued so start the PANIC ALARM) which is best? and do attorneys from nonprofit organizations do the same work as an attorney who gets paid some 00 ? (I mean if it’s him charging me because he will go to court and file my papers and stuff..)(hearing meeting is %100 me<< so I’m wondering to go cheap with it to prove to the court that I AM BROKE for real! or borrow money and pay the lawyer! which is best?
Thanks:)
I have in the last 3 years has a VERY significant decrease inincome and am seeking to file for Chapter 7 Bankruptcy. I have spoken with several attorneys who have all determined that I do qualify to file for Chapter 7… My question is this… Is an attorney required? What is the least expensive way to file for bankruptcy? I ask because the least expensive quote I received was approximately 00 which I cannot afford. If I could afford a chunk payment of 00 I think I’d be more likely to pay off my debts than to file bankruptcy…yah know? Anyone have any suggestions?
We filed 13 bankruptcy in December. Our attorneys have made several mistakes along the way. When it came time to have our hearing to have it affirmed, our trustee said that the payment was too high and they needed to rework it to prove that we can afford it, otherwise they would throw it out. Our hearing on this was last week. They had two months to rework our figures. Apparently, they set ANOTHER hearing 30 days from now to rework it AGAIN. I dont’ understand what needs to be reworked. We only have one income coming in. Also, we filed taxes in Januray, BEFORE the bankruptcy was affirmed. Will we still have to give them half? It sucks that we’re paying on a bankruptcy that may still get thrown out and is not yet affirmed. It’s not fair if we have to give up have of our refund on a bankruptcy that wasn’t affirmed when we filed our taxes. I just don’t understand what is taking so long. What can I do? Our attorneys aren’t giving us direct answers and aren’t returning phone calls or emails. Can I call the trustee to see what’s going on?
Our car is included. We got to keep our house but we were behind 6 months and had to include that rearrage in the bankruptcy.
I live in NJ and looking to file for bankruptcy ASAP. I can easily look up some attorneys in the directory but I want to choose a good one and one that isn’t so expensive because I’m near flat broke. Thanks in advance to all those who answer.
I called around today and most attorneys want at least 1500 bucks. Hellooo I’m broke otherwise I wouldn’t be calling about bankruptcy!
I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job.
I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out?
What would you do? I feel so lost right now.
My husband won’t agree on ANYTHING. I can’t tell him anything without it costing several hundred dollars to have the attorneys talk for us.
He doesn’t have to pay child support because he doens’t have a job .We live 5 states away and he wants the kids every other month! My babies are 5 months old and 23 months old and he told me before he left he could care less if they live or die. He’s only using them to hurt me.
We filed bankruptcy and on of the cerditors continues to garnish my account. So everytime I get my paycheck direct deposited it’s gone. What should I do?
I am filing PRO SE. I don’t have a attorney because I didn’t have 1500.00 to retain one. I have called several law offices but attorneys don’t seem to ever be in the office. I already turned in all my paperwork and my case worker said my paperwork was all there and looked great. I just don’t know how to stop the garnishments.
I’m 25.. I don’t own a house, but have about k unsecured debt I owe and want to file BK… Additionally, I have a 2 yr new car currently financed for an additional k I want to keep.. I know attorneys are expensive in my area Van Nuys/ West San Fernando Valley, so am finding myself at possibly going with a paralegal.. Please help, and advise if this is smart or not… I definately don’t want to lose my car… Thanks!
I’m a lawyer who is about to go into solo bankruptcy practice in the Eastern District of Virginia and I’m looking to buy bankruptcy software. Should I get BestCase, EZFiling, or some third option? I’m especially interested in opinions from attorneys or paralegals who have tried out more than one program.
there is a line in the contract that says he can’t list his attorneys fees in his bankruptcy. is that right? she can garnishe his wages and he can’t include her bill in bankruptcy?
Hi. My husband and I have decided that our only option at this point is to file chapter seven and walk away from our home. We’ve sought out many attorneys and have been blown away by how much they’ve asked us to pay. I can’t tell you the number of times I’ve wanted to scream, "IF WE CAN’T PAY OUR MORTGAGE AND BILLS, HOW IN THE CRAP DO YOU EXPECT US TO PAY THAT? I THOUGHT YOU WANTED TO HELP!!!!" Recently I’ve come across "Do It Yourself" Bankruptcy Kits. They seem to be pretty popular, however I was wondering if there’s anyone out there who’s had success with one. I am of average intelligence and consider myself smart. But are these things difficult to understand? And I’ve heard if you don’t get everything just right, that you could really mess yourself up in the future. I would greatly appreciate any advice. Thanks so much for reading and responding!
Was told by two attorneys that before I file Chapter 7 bankruptcy I need to be three months in arrears on my minimum payments.What should I tell the credit card companies? The calls are already non-stop.
I am in the process of filing chapter 13. My trustee recommends that I seek the advice of a lawyer. However, a lawyer is not in the budget right now. The trustee says that only a few cases will be successful without an attorney. Are there any trustees or attorneys out there that could give me a few tips for making my own case successful? Any sure fire ways to be sure I am successful on my own with this case? Any advice would be greatly appreciated. Thanks.
After credit counseling filing chapter 7 has been recommended since I am on disability and working only part time. Problem is attorneys I’ve contacted want 00, 500 upfront before they’ll even submit the paperwork. Obviously I do not have this. Legal aid is not available in my county or city for bankruptcy. Can I just get the paperwork from the clerk of courts and do it myself?