We have been married 30 years. 10 years ago he had a brain aneurysm at the age of 47. Docs say he should have died as they had never seen anyone live with this type of aneurysm. They had to inquire around the world to figure out how to operate so he didn’t just lay there and bleed out in his head. They received some ideas and they operated and he recovered quite well to everyone’s surprise. No short term memory though. 5 years ago he had meningitis & a staph infection in his brain. This set him back quite a bit. Over the last 5 years he has deteriorated in that I am back to helping him with personal care and everything else in his life. I am completely responsible for everything in our lives. We had to file bankruptcy after the aneurysm and we lost our home and everything else. I have worked hard these 10 years to get our credit back and to buy another home for us. My mortgage is cheaper than our rent was. He walks unsteadily with a hemi walker but often has to use his wheelchair. He was diagnosed a year ago with a melanoma in his eye and the optic nerves in his other eye are deteriorating so he does not see detail anymore. In the last 5 years my health has suffered greatly. I believe it is the stress of taking care of him. He has short term memory loss but he is still "with it". There is little decrease in brain function so its not like he is out of it and wouldn’t know. I have talked to him about it many times but he gets all teary so I stop. 5 minutes later he doesn’t remember talking about it. I get no help from our children or his family or mine. They all say just ask but when I do there is always a reason why they cannot help. I am not interested in finding a new man or anything like that. I just want to get healthy again and not have my life totally consumed with his care. I have looked into help at home but it would cost me 0.00 a month and we cannot afford it. he receives social security disability as do I. I also receive a pension from my past employment but he was self employed all his working career so he has no pension. Anyone have any ideas that can help me? I pray on this all the time but I never seem to come up with an answer that I am positive about. HELP!

Technorati Tags: 10 years, amp, bankruptcy, brain aneurysm, brain function, docs, emplo, hemi, melanoma, meningitis, new man, optic nerves, personal care, short term memory, short term memory loss, social security, social security disability, staph infection, stress, wheelchair

When I called and asked what happened, They told me that all necessary docs were filed and they have copies of everything that was filed and the copies show the court stamp as being filed, even the doc that the court said was not filed.
Then I was told that it was a court error. She told me she spoke with the court supervisor and was told that even if it was a court error,if i want to refile, I have to pay the full filing fee again.
They want me to pay for refiling, I disagree it is not my fault that the court files are incomplete.
Can the court make me start all over even though we can show them a copy of the missing doc which bears the courts "FILED" stamp?
Since I paid the lawyer to do the filing isn’t it the lawyers responsibility to guarantee her services since I provided all the information necessary for the filing? Isn’t it her responsibility to pay the filing fee to start the process all over again? Or should the court have to accept a copy of the "FILED" missing doc to complete the file and reopen the case without charging the full refiling fee/
this mistake
My lawyer has told me that I have to pay the filing fee again even though I am filing BK because I can’t pay my mortgage, I am in foreclosure, and I am currently not employed… I need what few $ I have.

Technorati Tags: bk, court supervisor, docs, foreclosure, lawyer, lawyers, mistake, mortgage

I’m declaring Chapter 7 bankruptcy. I incurred a large amount of debt (about K, all credit card). It began with buying an older car that cost me hundreds a month in repairs and continued through other forms of bad luck (a huge roaming charge on a phone plan with a grandfather clause, unemployment, etc.). I’m not the stereotypical shopaholic who wants to get a lot of stuff for free…anyone who saw my lifestyle would see that I don’t live extravagantly.

I went to one attorney who quoted me 00, which seemed like a lot since my case is pretty cut and dried. I know a paralegal who will prepare my documents for 0, but once the docs are done, I’m on my own, and I really don’t want to face a bunch of corporate attorneys by myself at a creditors’ meeting, so I’m thinking of hiring an attorney.

I figure I could pay something like 00 (0 up front with three or four monthly payments beyond that) for an attorney to draw up papers and defend me at a creditors’ meeting. Is this a reasonable fee to expect?

Technorati Tags: bad luck, chapter 7 bankruptcy, corporate attorneys, credit card, creditors, docs, grandfather clause, lifestyle, paralegal, shopaholic, unemployment

I’m declaring Chapter 7 bankruptcy. I incurred a large amount of debt (about K, all credit card). It began with buying an older car that cost me hundreds a month in repairs and continued through other forms of bad luck (a huge roaming charge on a phone plan with a grandfather clause, unemployment, etc.). I’m not the stereotypical shopaholic who wants to get a lot of stuff for free…anyone who saw my lifestyle would see that I don’t live extravagantly.

I went to one attorney who quoted me 00, which seemed like a lot since my case is pretty cut and dried. I know a paralegal who will prepare my documents for 0, but once the docs are done, I’m on my own, and I really don’t want to face a bunch of corporate attorneys by myself at a creditors’ meeting, so I’m thinking of hiring an attorney.

I figure I could pay something like 00 (0 up front with three or four monthly payments beyond that) for an attorney to draw up papers and defend me at a creditors’ meeting. Is this a reasonable fee to expect?
I don’t know if creditors will show up to my meeting or not, but if they do, I want legal representation with me. This paralegal will file the paperwork for me, but that’s all they will do.

Technorati Tags: bad luck, chapter 7 bankruptcy, corporate attorneys, credit card, creditors, docs, grandfather clause, legal representation, lifestyle, paperwork, paralegal, shopaholic, unemployment

I am about ,000 or so in debt right now. ,000 of it is from medical bills from an emergency surgery I had to have (I had insurance to cover the surgery but they only paid 10% and now I’m stuck with the medical bills from it and NO way to pay them). I’m working full time but am currently switching to part time because I just recently had a baby and need to be able to stay home some of the time with him to cut costs on babysitting. I don’t care tht the bankruptcy will be on my credit for 10 years….it will take me that long to pay off the medical bills at the rate I can afford to pay them now…I also have diabetes and my prescriptions cost a TON a month…it’s impossible for me to work part time (or even full time for that matter) and even survive at this rate. I need to get an apartment for my son and I and just can’t do it with the amount of bills I owe. Is there a minimum amount of money you must owe before filing bankruptcy? Will I be able to keep my car?
I have one of the cheapest cars you can buy (Chevy Cavalier) and it is 2002. Someone suggested I sell it and get a crappy car for now…I can NOT do that. I must have a solid, secure car to make sure I have a way to and from work and also to have transportation to my son’s docs appintments. I need to keep my current car and my interest rate on my loan is locked and VERY low (3.4%). This car is great…but if I file bankruptcy will I lose it?
I don’t WANT to send my son to a childcare center. They are dirty and nasty. His father and myself will be watching him. And I AM working full time right now thank you. I can NOT afford the debt I owe either way….

Technorati Tags: 10 years, amount of money, apartment, cars, chevy cavalier, childcare center, crappy car, diabetes, docs, emergency surgery, filing bankruptcy, full time, i don t care, insurance, interest rate, medical bills, part time, prescriptions