I mean your credit will be horrible either way and it will stay on there 7-10 years. But the difference I can see is you don’t have to say you filed bankruptcy and you don’t have to pay a lawyer. And quite honestly if you are going bankrupt, how the hell are you going to pay for a lawyer anyways?! Well I don’t even know, so please give me your feedback…THANX!
well let me clarify the situation…it is a business that will be going bankrupt not me personally. and In Texas they CANNOT mess with your homestead or cars..so I know I don’t have to worry about that…

Technorati Tags: 10 years, bankruptcy, cars, hell, homestead, lawyer

I did some of my own research on this, ended up with more questions than answers. Anyone had personal experience or know of a lawyer who would work for a reduced rate or offers reasonable payment programs.
Fox how does it feel to be an uninformed douche? Waste someone elses time scumbag

Technorati Tags: douche, fox, lawyer, personal experience

I need to file chap. 7 bankruptcy and I’m in Utah. I’m going to try it on my own because I have no income and can’t afford a lawyer. Where do I go to get the paperwork?

Technorati Tags: bankruptcy, chap, lawyer, paperwork

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

Can someone sue me personally if they were injured during my work with a company vehicle and already got a settlement from my company for damages they said they had? Question is my company paid someone for alleged damages sustained to them and their vehicle now they’re wanting to sue me for attendant care etc when they got a scratch on them and already received money(s) from my work. Or do they have to go thru my work, The letter said "please give this to your insurance company immediately"so i gave it to my work since I am covered on their insurance when using their vehicles since I drive for a living. Plus I am in the middle of filing bankruptcy so should I tell my lawyer about this also ?

Technorati Tags: attendant care, company vehicle, damages, filing bankruptcy, insurance, insurance company, lawyer, money, scratch

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’ve had perfect credit since I was a teenager. Last year we opened a business and it has failed miserably. We have tried selling it with no luck as the lease is too high. We just lowered the price dramatically but my lawyer says only give it a few weeks at the low price then I’ll have to file personal bankruptcy.
It makes me sad but I have no choice. Only I am filing, not my husband. Most of our debts are in both of our names which will transfer to him. But, the store lease, our back store rent, my credit cards and some of my student loan could go into the bankruptcy. I will be bankrupt for 9 months and then discharged. It will be on my file for 6 years after discharge. I’m in Canada.
I’m scared that it will affect our home as when it comes up for renewal my husband may not qualify on his own. Do you have to requalify at every mortgage renewal or are you safe for the 25 year term as long as you pay every month?
We have 5 children and I just need some peace of mind.

Technorati Tags: 6 years, 9 months, canada, credit cards, debts, lawyer, mortgage renewal, peace of mind, personal bankruptcy, student loan, teenager

He said he would be calling me in weeks ago to sign the final papers so he could file. Now he won’t answer or return my calls. I have already paid him in full. Who do you go to when your lawyer sucks?

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My husband and I are going to file bankruptcy as soon as we can get the lawyer money together. We have decided to voluntarily surrender our house to the bankruptcy and get a clean start. We are trying to find a place to rent now, that way we don’t have to hurry later. Should we tell the landlord that we are going to be filing bankruptcy? Also, are there any ways to help persuade the landlord that we will not default on our lease, in any way? Please, no comments on how filing bankruptcy is the worst thing to do. You don’t know our situation. Any suggestion are helpful, but please, no snide remarks. Thank you in advance.
My husband works for a very good company and has a five year contract with them. He grosses 00 a month. I am a student. I thought that might help.

Technorati Tags: filing bankruptcy, good company, landlord, lawyer, money, snide, suggestion

In April I filed Bankruptcy. I quit my job after having a devastating miscarriage and felt like there was no other way for us to survive financially. My husband’s job with the Army requires him to have a security clearance and with already shaky credit we decided it would be best for me to file alone. Most of the debt was in my name anyway, so I filed a Chapter 7 in April. Due to my lawyer’s incompetence it wasn’t discharged till December. We’ve been told that with my husband’s low score and my recent bankruptcy our only option is to wait 12-24 months to apply for a mortgage. This makes sense to me, but I’m hoping there is another option out there. We were foster parents for a time and hope to continue that next fall when my husband returns, but he’s stationed in central Texas where CPS prefers foster parents who own their home. We had established a small business in training and boarding horses and would like to continue that in our own back yard and grow from there.
I’ve contacted the three major credit bureaus to clean up any inaccuracy and I’ve been working at my job for almost a year. Our debt to income ratio is great and despite my bankruptcy my credit score is slightly higher than my husband’s, but still low. I’ve done all of our baking with US Bank in hopes of establishing a relationship with them and I have a low-limit credit card I use for gas and pay off monthly and a secured card I use for business expenses and pay off monthly. So, this is probably much more information than you needed, but it will hopefully be enough to help you answer my question. I would hate to spend another 12-24 months paying 0-800 a month in rent and 0 a month boarding our horses when that could be -30k we’ve paid toward a mortgage.
I understand that all actions have their consequences, but we’re a Christian family and hope that through the right network, education and of course prayer there may be some chance of purchasing our first home so my husband comes home from Iraq feeling accomplished and secure.

Technorati Tags: back yard, bankruptcy, business expenses, chapter 7, consequences, cps, credit score, debt to income ratio, foster parents, horses, inaccuracy, incompetence, lawyer, major credit bureaus, network education, prayer, secured card, security clearance, three major credit bureaus, us bank

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

Last year at this time my credit score was 750, but over the past year I have had some financial crisis and am very deeply in debt. I talked with a lawyer today and I understand the difference between chapter 13, and 7. My question is, other than the obviouse destroying my credit, how will filing chapter 7 affect me? Will I ever get a credit card again? Will I lose my atm/debt card? Will I be able to rent a house or apt after my foreclosure? Please, anyone who has any experience with this, any info would help.

Technorati Tags: atm, chapter 13, credit card, credit score, debt card, filing chapter 7, financial crisis, foreclosure, lawyer, obviouse

I’m about to file chapter 7 bankruptcy and the lawyer I’ve contacted said he charges the flat rate of ,000. Is that a decent price??

Technorati Tags: chapter 7 bankruptcy, decent price, lawyer

I received a notification in the mail that my wages are being garnished by a credit card company, for an outstanding debt. I cannot afford for this to happen because I am a single mother of my daughter. How much or what percentage can be garnished? I live in Maryland. I read on a website that they can take all but 0 of my check a month. Is this true? I am currently unemployed but I have had numerous job interviews. I assume that once I become employed my wages would be garnished immediately. I am thinking of filing bankruptcy because I have other credit card companies that will be coming after me for money that I do not have. I heard bankruptcy can be filed online to save money for a lawyer. I do not have money to pay a lawyer. PLEASE HELP!
Yes, I did have a court date but I did not go because I knew I owed the money and I did not have the money for a lawyer.
I’m afraid if I don’t file bankruptcy I will have no money left to raise my daughter. I owe about 00 to different credit card companies. Can they all garnish me at one time? If so, I may not have enough money to get my daughter what she needs.
thank you so much for your responses. It is a huge weight lifted off of my shoulder. So you think I should not file for bankruptcy? How long do you believe it would take me to pay off the 00 debt? Once it is paid off, will my credit go back up, with time? I have a car loan but it is on time.

Technorati Tags: car loan, credit card companies, credit card company, enough money, filing bankruptcy, job interviews, lawyer, mail, single mother, wages

Apparently no lawyers can help while you have a lawyer retained. But my lawyer has created such a mess that I came home to a stricken order today trying to get my car. My law firm won’t ever return calls or emails and I can’t go see them. How do you find a lawyer to sue a lawyer? Help!

Technorati Tags: law firm, lawyer, lawyers

Is it just as legally accepted as paperwork filed directly from a lawyer? I don’t have anything I need to reaffirm, no investments/retirement, or other income other than my job, so it’s not going to be difficult.

Given the changes to the bankruptcy laws from back in 2005, do I have to get a lawyer now for this, or can I fill out the forms guided by the software and then file?
I’ve got nothing to dispute. Someone stole my card numbers and rather than working with me and the cops, they sent it to collections. I heard nothing for 2 years. I didn’t get a bill, not calls, nothing. Now they’re trying to sue me and a lawyer told me bankruptcy would be my best option.

I just don’t have the 00 to hire an attorney to fill out paperwork. Other than that they don’t do much.

I don’t have a problem doing the paperwork, I just want to know if using the software will give me the proper paperwork for filing….

Technorati Tags: bankruptcy laws, card numbers, collections, cops, investments, job, lawyer, proper paperwork, retirement

My husband and I turned in all my paperwork and have paid a lawyer for chapter 7 bankruptcy. I first completed and turned everything in to the lawyer in May, but when I called him at the end of June he told us that he needed more check stubs when we turned everything in already. Now it’s almost September and we haven’t heard anything back from him. So we called his office and he told us that he will file in the morning and need more check stubs from us, but he will still file. So he told me to call for the case number in the morning and when I called he still didn’t file and that was three days later. We paid him and we turned in our paperwork months ago. What should we do? We live in St. Louis, Missouri, is there any advice someone can give my husband and I??
My check stubs were up to date, we went into his office and signed all the necessary paperwork and he said there was nothing else needed. He was suppose to file with the court months ago. But twice he has made up turn in more check stubs because of him not filing with the courts when he promised us. He has never given us one call, we always had to call and get a update or see if anything was missing. At one time they couldn’t even find our paperwork and we had to give them stuff we turned in already, it’s just a mess and starting to stress me out.

Technorati Tags: case number, chapter 7 bankruptcy, check stubs, lawyer, necessary paperwork, st louis missouri

When I talk with my lawyer, he threat to hang up on me everytime. I check weekly and no one know when my case will be filed.
What should I do?
Should I just stop and hired other lawyer to do it for me and ask for refund back on my current lawyer. If they don’t refund, can I take them to small claim court?

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Me and my husdband are going to file bankruptcy together. We are trying to find the cheapest lawyer to go to. anybody out there know of any?

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my car got reposessed last week, any they won’t let me get it back by bring the late payments current at all. So what’s next, will i have to hire a lawyer? When will they take me to court? Should i file for bankruptcy?
well they said they wanted the whole balance, which is 12,000
well if they sue me for 14k, then i would have to get a lawyer and proceed to file for bankruptcy, which i never wanted to consider, ever
i was a few months behind and it was not a buy here or pay here lot, i tried making two payments but my check bounced

Technorati Tags: late payments, lawyer, should i file for bankruptcy