When To File Bankruptcy » paperwork

Help! Do I get an attorney to file bankruptcy or do it myself?

admin — Sat, 29 Oct 2011 00:01:49 +0000

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

can I fire my bankruptcy attorney?

admin — Mon, 08 Aug 2011 14:25:10 +0000

My husband and I live in Alabama and initially filed chapter 13 bankruptcy 2 years ago. We have had to revisit our chapter 13 once to have the payments reduced and surrendered our home and a vehicle in the process. I am no longer employed and we have lost about 20,000.00 in annual income, that puts our total income at less than 35,000.00 per year. I have returned to school under a pell grant and it is just enough to cover tuition and books. I contacted our bankruptcy attorney’s office and sent them the paperwork showing the change in income and a letter from my previous employer. We had to send it certified because they claimed to have never received it by fax or email. We want to convert to a chapter 7. We are renting a home, my husbands work has slowed to a crawl, the bank has yet to take possession of our house that we surrendered, we cannot make our bankruptcy payment and I cannot get anyone from the attorney’s office to call me back with any answers. Would it be a bad idea to fire this attorney and start again with a new attorney? Or is it just the way things are? It took us nearly a year to get our first chapter 13 revisited and at this rate we are going to be in huge trouble if we can’t get something resolved. I might even have to cash out the little 5000.00 I have in retirement. ( I am 45 years old). Any advice. I cry every day.

Technorati Tags: 45 years, bad idea, bankruptcy attorney, chapter 13 bankruptcy, chapter 7, paperwork, pell grant, possession, renting a home, retirement

My ex filed bankruptcy one of the companies that was included now has a lien on our jointly owned home?

admin — Sun, 17 Jul 2011 10:55:52 +0000

Bankruptcy was filed in Dec. 2003, will the attorney be able to erase this because it was in the original bankruptcy? Would the attorney have recieved paperwork stating there was a lien? My ex never recieved any notice, we were informed when we tried to refinance almost 3 years after the final bankruptcy.

Technorati Tags: 3 years, bankruptcy, paperwork

Can I sue my bankruptcy attorney's?

admin — Mon, 23 May 2011 09:51:50 +0000

I recently filed chapter 7 bankruptcy and was awaiting my discharge papers. Instead I received dismissed paperwork because my attorneys did not send my financial management certificate to the bankruptcy court. They had the paperwork 5 days before my case was dismissed, now they want me to wait another month to wait for a discharge. I need a car and my children have been living with relatives until I can get on my feet.

Technorati Tags: attorneys, bankruptcy court, chapter 7 bankruptcy, discharge papers, financial management, living with relatives, management certificate, paperwork

Have a court date for failure to pay a loan 1 day after I file for bankruptcy, would this save me?

admin — Fri, 15 Apr 2011 15:43:22 +0000

My husband and I have accumulated more debt than we can handle of the years and with two kids, we have decided to just file for bankruptcy. We just moved to another state at the end of December and have to wait 91 days before we can file. So, our 91 days are up on March 28th and that is when we intend to file. However, my husband co-signed a loan for someone and that person has not made the payments. Now we have a court date, that court date is on March 29th.

My question is for anyone who has been in a similar situation. If you have had to file bankruptcy and have a court date for a creditor the same day you file, can they still make you pay? We would just like to know if we go into court that day, saying that our lawyer filed the paperwork for a bankruptcy the day before or is in the process of filing the paperwork, would that save us from having to pay the debt if the debt is going to be included in the bankruptcy?

Any advice is helpful.

Technorati Tags: bankruptcy, creditor, lawyer, paperwork