I hired a bankruptcy attorney in Aug of 2010. But before accepting their service I had asked them specifically that I had money combined with my mom and would that be a problem. The person who interviewd me told "Oh no problem, we just send an amendment document to declare that this account belongs to your mother and not you." Time paaast. And I finally had an appointment with the attorney in Feb 2011 that it was best to dismiss the case so I could have time to fix my mom’s account and refile or do the ammendment and he would charge me 250/hour( even though the contract said 215). So I agreed to dismiss it for him to refile. I was dismissed in early March. I fixed my mom’s account immediatley and within 2 weeks advised to refile. Upto this date, I have been given the runaround stating "well we’re in the process of tranfering your file". Everything was sent electronically. I have given them everything they have requested from me on time. My life is at a stand still. Can’t do anything financially until I resolve this situation. Can I fire this deadbeat and get my money attorney fees back? If so HOW?

Technorati Tags: appointment, attorney fees, bankruptcy attorney, deadbeat, immediatley, mom, money, runaround

I’m thinking about filing Chapter 7 but do not know if im eligible. Here’s my situation, I make 19k a year which is below the median; I have no property/assets or savings. I owe 23k on the car and 18k on 3 credit cards. If i sell the car I still owe 8k. I tried to negotiate with my car’s creditor and that’s the best rate they can do. The reason why I want to liquidate my debt is because I want to go back to school full-time. Save money and rebuild credit while in school. If i continue paying my debt ( 5 more years ) I will not have savings and an education. I don’t mean to be a deadbeat on my debts but this is the best solution i can do in order to straighten my life, financially and responsibly. I don’t want to do Chapter 13 for my credit card debts– this will waste my time, money and get a ruined credit report.

I’ll face the consequences: Attorney fees, bad record for 10 years, higher rates.. you name it.
My question is if i’m eligible to file for CHAPTER 7.

Technorati Tags: 10 years, attorney fees, best solution, chapter 13, consequences, credit card debts, credit cards, credit report, creditor, deadbeat, education, filing chapter 7, full time, median, property assets, time money

i had really good credit until a few years ago, i had all the major credit cards and i always paid my bills on time. but i was unemployed because of an injury for almost 6 months so i just lived off of my credit cards, when i finally got back to work i wasnt even making enough to pay all late charges and interest fees. i was paying 50% of my income each week towards paying it back but i was so far in debt by that time that i was still having each account grow in debt because i got so far behind. they were calling me at work constantly , i didnt even have my home phone because i got rid of any luxurys that i didnt need. i ended up moving out of state to avoid them. i understand there are new laws that prevent a person from filing bankruptcy on credit card debt. it has been over 2 years now that i have avoided them. but my debt was about ,000 back then and the way it was growing im sure it has to be double that by now. should i continue to try and avoid them. i earn only 000 a year
i would really like to pay it all back but i couldnt even keep up with the late fees back then and i have a job making less than i made before. is there any way that i could just pay maybe 20% of my income and get my debt paid off? i am barely scraping by now but i dont want to be a deadbeat. but i have also heard that if i avoid them contacting me in anyway for 7 years that they will not be able to collect anything from me. but im sure that they can find me because i work at a normal job and file my taxes every year

Technorati Tags: credit card debt, credit cards, deadbeat, filing bankruptcy, job, late fees, new laws