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

I’m out of a job and I just cannot pay my credit card bills anymore. Now I want to file bankruptcy but I’m afraid if a job calls me and checks my credit history they wont hire me. I’m also living at my sisters but would like to get my own place if I ever get a job.

Technorati Tags: bankruptcy, checks, credit card bills, credit history, job

My boyfriend is in a lot of debt currently, with medical bills, student loans, and an ex wife who is getting 50% of his checks due to alimony. Needless to say this is very difficult for us financially. What exactly are the rules are bankruptcy and how do you go about file-ling? Would bankruptcy make any of this go away. Mostly the ex wife alimony? How would bankruptcy effect that?

Technorati Tags: alimony, bankruptcy, checks, medical bills, student loans

I have about 25k in credit card debt. Use to be about 9500 but after 10 years they are all judgments and with all the interest and fees its about 25k now. About a year and a half ago i had a really nice job was making decent money. I saved about 9000$ so i can try to pay my debt off. Originally on average i owed about 2500 to each of the credit cards i had. I got all my info together and called each of them to try to set up a plan so i could pay them off. Right now discover says i owe about 7k originally 3k, and city says i owe 6.5k originally 2.4k, washington is now about 4.5k originally 1.8k those 3 are my highest and all three wouldn’t agree for nothing lower then what they say i owe. all others agreed to a very nice settlement. I offered discover 4.5k , city 4k, and Washington about 2.5k to settle. Washington accepted 3k. but city and discover gave me a no and said that if i didn’t have the full amount they would just garnish my checks till its paid in full. At the time i was off work because my back started to give in. I had the doctor take some x rays and she told me that i had to take physical therapy for my back and should stay away from heavy lifting. Which means i cant do my job no more. So now i am unemployed and well luckily i still had that 9k i saved. Well now i am just fed up with them. I already ran out of money and my brothers and sisters are supporting me and i want to just file for bankruptcy and go to school and get my self a degree in business. Does anyone have any advise you can give me. Thanks in advance.

I also forgot to put this in. My brother was going to help me before when i was working he was willing to put in about 3k on top of my 9k so i could get out of debt. But now hes also low on funds and well i just decided to file for bankruptcy and hes willing to help me pay a lawyer for the process.

Also I am not really worried about the credit score part, i have 6 sisters and 3 brothers and well i learned my lesson and i made sure they learned from my mistakes and they are really thankful for my advise about credit cards lol and bank loans. They all have almost perfect credit scores and i had a big hand in getting them there. My sister offered me a position in a business she is opening and all i have to do is go to school for the position. She was actually the one that tried to negotiate with the credit card company’s on my behalf and she just told me to file since they wont accept a settlement.

I just want to see how many options are available for a situation like this. So i am open for any suggestions, advise, ect… from respectful people who can understand the situation. If you want to criticize, go right ahead too lol I want to here all your opinions.

The funniest part about this is they all want to settle now that i have no money. LOL I just think thats really funny.
hehe ya i already knew about that but i am safe from that too because my sister owns about 3 businesses and she is willing to offer me a marketing position. I am really good at it too i have been helping her with allot so i just want to get a degree in that field and go work for her.

Technorati Tags: 10 years, 9k, bankruptcy, brother, brothers and sisters, checks, credit card debt, credit cards, credit score, decent money, heavy lifting, judgments, lawyer, nice job, physical therapy, thanks in advance, x rays

HELP! HELP! HELP!I filed bankruptcy today to stop this guy from garnishing my wages. We went to pay the bill at court last week and they told us that he turned it in for garnishment. He never gave us a chance to pay, and we was only the co-signers, so its not like he ever gave us a chance. Well, our work cuts checks on Saturday(we work for Sams Club/Wal-Mart) and we get paid on Thursday. We are supposed to get our Sams Share check on Thursday also. Can it be stopped before then? Do I contact the payroll dept, court, the person, WHO? I need it stopped FAST! I agreed to a month and he is taking 400-500 a month with garnishment. We really tried, we are not trying to take the easy way out, but like I said this Dill head NEVER gave us that chance, and I am in school with 2 kids, married and he is the only one who works, because I am VERY SICK with lots of Med probs and bills, so I cant work… Sorry to explain so much but people get rude and think we are taking an easy way out. PLEASE!
Will they be able to garnish this weeks check or not?

Technorati Tags: bankruptcy, checks, dill, garnishment, payroll, probs, sams club, wages, wal mart, work cuts

we have a 5 year old daughter, have been together for 10 years and married for 3. when we first got together i found out he had a cocaine addiction, he told me he stopped, when our daughter was born we moved in together and he was moody, mean and stingy with his money so i left him, 4 months later he says he’s changed that he was on coke but now he’s clean, he appeared to have changed so i married him, yet right away when we married and moved in together it all started again and for the last 3 years he has lied lied lied, wasted away soo much money lied about his pay checks, put us in debt, ruined our credit and i just found out he’s been using coke this whole time and thats where all the money ahs gone. he says he loves me and his family is begging me to give him a second chance, he says hes going to go seek help but my feeling for him are gone. should i stay or go? we just filed bankruptcy and all i have left is our house. if i loose that it will be sooo hard to ever buy a house again. i cant afford it on my own.

Technorati Tags: 10 years, 3 years, 4 months, bankruptcy, checks, cocaine addiction, coke, much money, second chance, whole time

Well, I had to file for bankruptcy because i was a victim of credit fraud. I had a clunker. My lawyer told me to get a better car before I file, even if i have to pay for high apr. Basically i’ll be screwed if my old car breaks down during the bankruptcy process- theres no way i’ll be able to get a new one. She said that as long as I keep paying for the newer car, it won’t be taken away.

I’ve been paying for the car flawlessly for a 1 1/2 yrs now. My wife and I check out a dealer to see if we can get her a car. The checks my credit and tells me the there is no record of my new car on my credit report. I’m shocked because I’ve been paying all this time and it has not been helping my credit. I check my credit report online and it says that the account has been closed during my bankruptcy. I asked my wife if we’ve been getting any bills from toyota, and she says we don’t get any bills anymore we just maintain payments every month like what my lawyer said.

Ok, a friend of ours said that i should return the car to the dealer and get a cheaper car. Since it is closed on my credit report, it shouldn’t affect my credit if i return it. Pls tell me if this is valid and why.

Thanks!

Technorati Tags: bankruptcy process, checks, credit fraud, credit report, lawyer, new car, toyota

Is it possible to file bankruptcy without the help of a lawyer? I can’t afford a lawyer since my checks are being garnished…

Technorati Tags: bankruptcy, checks, lawyer

I filed a chapter 13 bankruptcy but havent been to the creditors meeting yet. I already signed all the papers and was sent a letter on how much they are going to be taking from each of my husbands pay checks. I just got a call this morning for a job interview and got the job will this affect my bankruptcy at all since I already had a set amount I would be paying?

Technorati Tags: chapter 13 bankruptcy, checks, creditors, job interview

note: I have always paid my child support. the reason I owe back child support is because the state of Wash closed the case. she was not accepting the checks.they even sent money back to me.4 years later she decided she wants the money.now I owe back support? They closed the case not me,i was paying.also,i have no contact with my son. I devorced this person because she was a thief and a drug addict.
update:the court gave her costody because there was no proof of her being a drug addict and thief.

Technorati Tags: checks, child support, drug addict, money, proof, thief

My employer filed bankruptcy and has not paid the federal taxes. He has taken taxes our of our individual checks, so I wanted to know how does that affect me the employee?

Technorati Tags: bankruptcy, checks, federal taxes

I WAS EMPLOYED BY THIS COMPANY I BELIEVED I WOULD BE HELPING HOMEOWNERS FACING FORECLOSURE AND GET LOAN MODIFICATIONS FOR PEOPLE IN FINANCIAL TROUBLE. THIS COULD NOT BE FARTHER FROM THE TRUTH I SLOWLY REALIZED I WAS DOING NOTHING BUT SCAMMING THESE PEOPLE .

FIRST OFF THEY OPERATE UNDER 2 NAMES MORTGAGE CRISIS SOLUTIONS BEFORE YOU ENROLL IN THE PROGRAM AND THATS THE NAME THEY TRY TO KEEP CLEAN, THEN ONCE YOU ARE ENROLLED ALL CHECKS ARE MADE TO PROPERTY SOLUTIONS SPECIALISTS THAT WAY BY THE TIME YOU REALIZE YOU HAVE BEEN SCAMMED OUT OF THOUSANDS OF DOLLARS YOU HAVE BEEN PAYING PROPERTY SOLUTIONS SPECIALISTS FOR MONTHS AND THAT IS WHO YOU ARE MOST LIKELY TO FILE COMPLAINTS AGAINST AND THAT IS WHY MORTGAGE CRISIS SOLUTIONS IS NOT REGISTERED WITH THE BETTER BUSINESS BEAREU AND IF YOU CHECK PROPERTY SOLUTIONS SPECIALISTS WITH THE BBB THEY HAVE ONLY BEEN REGISTERED SINCE MAY,28,2008 AND ALREADY HAVE 7 COMPLAINTS AND THAT NUMBER IS GROWING.

THE COMPANY HAS ACTUALLY BEEN IN BUSINESS FOR LESS THEN A YEAR HOWEVER THEY WILL DELIBERATELY LIE ABOUT THAT, THEY ALSO WILL SHOW YOU A LINK ON THE MIAMI-DABE COUNTY WEBPAGE OF A CASE THEY HANDLED AND FILE SEVERAL MOTIONS ON BEHALF OF THE HOMEOWNER STARTING IN 2006 ENDING IN 2008 THIS IS COMPLETELY FAKE THEY NEVER HAD ANYTHING TO DO WITH THIS CASE AND THE BUSINESS WAS NOT EVEN STARTED UNTIL LATE 2007.

THEY WILL CHARGE YOU 1495.00 IF YOU HAVE NOT RECIEVED FORECLOSURE PAPERS AND 2995.00 IF YOU HAVE RECIEVED FORECLOSURE PAPERS AND SET YOU UP ON A MONTHLY PAYMENT RANGING FROM 500-950.00 A MONTH DEPENDING ON HOW MUCH THEY THINK THEY CAN GET OUT OF YOU BASED ON YOUR MORTGAGE PAYMENT THAT, THEY WILL TELL YOU, YOU NO LONGER HAVE TO PAY WHILE IN THE PROGRAM. THERE IS REALLY NO DIFFERENCE BETWEEN THE PEOPLE PAYING 1495.00 AND THE PEOPLE PAYING 2995.00 OTHER THEN THEY FIGURE IF YOU HAVE RECIEVED FORECLOSURE PAPERS YOU ARE A LITTLE MORE DESPERATE AND WILLING TO PAY MORE, BECAUSE THE PEOPLE THAT ENROLL FOR 1495.00 ARE TOLD NOT TO MAKE THEIR MORTGAGE PAYMENTS AND ARE GOING STRAIGHT INTO FORECLOSURE ANYWAY.

ONCE YOU DO FACE A SALE DATE THEY WILL STOP IT TO KEEP THE MONTHLY PAYMENTS ROLLING IN, AND THE WAY THEY DO IT IS SEND YOU THE FORMS FOR A DO IT YOURSELF SUGGESTION OF BANKRUPTCY YOU HAVE TO FILL OUT THE FORMS TAKE THEM TO YOUR LOCAL COURTHOUSE AND PAY THE FILING FEES SO YOU ARE PAYING THOUSANDS OF DOLLARS FOR THESE FORMS THAT YOU COULD GET FROM LOCAL COURT CLERK FOR FREE.

THIS AN ABSOLUTE TOTAL CONGAME ALOT OF UNSUSPECTING HOMEOWNERS DONT REALIZE IF YOU FILE BANKRUPT YOU WILL BE IN YOUR HOME FOR OVER A YEAR WITHOUT MAKING A PAYMENT ANYWAY AND THESE PEOPLE ARE CONNING HOMEOWNERS OUT OF THOUSANDS OF DOLLARS FOR SOMETHING THEY CAN DO ON THEIR OWN FREE.

THEIR SCAMMING DOES NOT STOP WITH THE HOMEOWNERS EITHER ITS A DOUBLE EDGED SWORD ONE SIDE FOR THE HOMEOWNERS ANOTHER SIDE FOR THE EMPLOYEES , IF A SALESMAN ONLY HAS A FEW SALES THEY ARE FIRED AND THEY REFUSE TO PAY THEM COMMISSION DUE AND ITS THE SAME WHEN AN EMPLOYEE QUITS ANY COMMISSION DUE IS NOT PAID THESE PEOPLE ARE NOTHING BUT CON MEN STAY AWAY FROM THEM. AND YES I AM WILLING TO TALK TO ANY TYPE OF LAW ENFORCEMENT THAT IS INTERESTED THESE PEOPLE MUST BE STOPPED

John doe
miami, Florida
U.S.A.

Technorati Tags: 2 names, bbb, better business beareu, checks, county webpage, crisis solutions, dabe, facing foreclosure, financial trouble, mortgage payment, mortgage payments, motions, property solutions, thousands of dollars, truth

I have around 15,000 in credit card debt (major I know-my husband got hurt and so did our income). I got a call today from a collection agency at my job saying he was only contacting me this one time and since I can’t pay the 1700 up front he was going to start taking it out of my pay checks. Can they do this? I don’t pay every month but every couple of months I try to send in a very small amount to show I care. But because of all the different bills I can’t catch up. I am very upset because if they take my wages I wont be able to pay my bills that I have to have. Also should I file bankruptcy for this large debt, I am only 24, or should I try to pay it off. I want a house and don’t want this to hurt us to bad.

Technorati Tags: checks, credit card debt, job, one time, should I file bankruptcy, wages