Husband lost his job – we’re now on one salary and barely scraping by as it is. We are now so far behind on our debt bills and none of our creditors are willing to work with us, so we’ve decided to file for bankruptcy. We located a bankruptcy attorney and he gave us a list of things to get together and to complete an online credit counseling course. While getting our things together he was quick to respond to our questions. We sent all our documents to him last week (tax info, payment stubs, bank statements) and now he won’t call or email us back. Should we assume that he’s not going to assist us? Could this be a scam and he’s planning on wiping us out using the info we gave him? We looked him up in our state’s Bar Association and he was on there. What should we do?

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I filed a chapter 7 bankruptcy case in kentucky. I did it all by myself because i couldn’t afford a lawyer. The reason it was dismissed is because i failed to take the credit counseling course within the time frame. (I didn’t know you had to wait 180 days after taking the test to file). Anyway, my question is how long do i wait to refile. do i have to wait 6 months from the time i filed or 6 months from the time it was dismissed? Seriously need help!

Technorati Tags: bankruptcy case, chapter 7 bankruptcy, credit counseling course, lawyer, time frame