The attorney is my brother. He didnt do a complete job so there are omissions I need to fix. Also, my stepmother had an "irrevocable trust" established for her home and just before the filing they changed it so that my brother was the only benneficiary. I was unaware of this and my brother told me I didnt have to disclose the trust anyway. The day after the hearing, my brother sent the court, again without my knowledge, paperwork about this trust. My brother was was very nervous about this. Also, a few years earlier, my father sued me for money he gave as a gift. I was going through depression and didnt have a lawyer. I went to court and negociated with my fathers attorney to put the money in escro as he had a lean on my house that I needed to sell. They tricked me because I never went before the judge and they claimed I didnt show up so I lost by default. I didnt receive a copy of our aggreement and it was never filed. Father & brother were in working together. crazy story, but true

Technorati Tags: amp, brother, crazy story, depression, escro, irrevocable trust, job, lawyer, money, negociated, paperwork, stepmother

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

I just moved from Connecticut to Florida in June 2009. I want to file a pro-se chapter 7 bankruptcy. I contacted a company that said they can’t help me because I have not lived in Florida for the past 2 years. Does anyone know if this is true? And what does this mean to me when it comes to filling in paperwork? I would like to do this soon and I cannot afford to hire an attorney.

Technorati Tags: chapter 7 bankruptcy, connecticut, paperwork

There is a name for a person who helps to make sure your paperwork for a bankruptcy is done properly, but does not legally represent you? I am trying to find someone like that in my area, but cannot remember what this profession is called.

Technorati Tags: bankruptcy, paperwork, profession

I am in the process of filing bankruptcy, getting the paperwork together and such! I was served papers to appear in court over a defaulted credit card. Should I tell them I am filing bankruptcy when I go to court or just ask for a continuance until I get this paperwork done? If you have an experiences with this please tell me your story. thanks!

Technorati Tags: continuance, defaulted credit card, experiences, filing bankruptcy, paperwork

I am working on paperwork to filing bankruptcy. My attorney wants me to list all my creditors. Thing is, most of them were charged off three years ago and now belong to collection agencies. If I list my original creditors in the bankruptcy, will the collection agencies still have the debt, and will they be able to harass me? That is to say, will the debt really be gone?

Technorati Tags: collection agencies, creditors, filing bankruptcy, paperwork

I’ve been thinking about filing bankruptcy using one of the websites that fills out all the paperwork for you and then all you have to do is bring them to court. they garuntee their work, if the judge does not accept them they will either fix the problem or refund your money. If anyone has ever used one of these businesses could you please tell me about your experience or knows of a good website to go to please let me know.

Technorati Tags: filing bankruptcy, money, paperwork

Both husband and I lost our business because of the economy-in construction. We are unable to collect unemployment. We have an small income coming in from another source. When we could not make a payment in early March we called Ford Motor Credit to discuss the situation. They stated that they were all for working with us they did not want the vehicle back. They would send us paperwork to have the loan rewritten. Never got the paperwork. So we called again asking for the paperwork. Person we talked to said there was nothing listed about that she just wanted payment. We went round in circles. Finally on March 23, we spoke to someone who knew what we were talking about and said the paperwork would definitely go out. Still have not received paperwork. Also explained that we were going to file bankruptcy. Bankruptcy was filed on March 30th. Ford Credit got notification of filing on March 31 though E-mail-verified by attorney. Sunday evening April 5th. 2 thugs came to repo the vehicle. The repo guys thought it would be an easy take. However, the key Ford sent them didn’t work. They were really pissed, came pounding on the door and yelling open the door we want the keys or they would tow it. They were going to get it no matter what. Said we had filed bankruptcy and they could not take it. While I went to get the notice we got from the court. They continued to bang on the door and yell. My son in the meantime called 911. Showed them paperwork we got from the court through the glass door. I am female and these guys were hugh and the way they were acting I felt my safety was in jeopardy. They said the paperwork was garbage and they had a legal court order to take the vehicle. Got notice to pick up the vehicle on the 3rd. Husband came home and they were all over him. Told them all the cops had been called and they got even madder. I told them that they had no right to come to my house, continually bang on the door and yell and they were very threatening where I felt my safety was in issue. They guy rushed towards me and his face came so closed to mine that I could smell his breath. He is twice my size. My son thinking the guy was going to hit me came running up and pushed the guy away from me telling him to get away from me. Then the repo guy also decided to call the cops. Just before the cops came they settled down. I told the cops what happened, said they guys were definitely out of control in the manner in which they did this. Cop said to let them take the vehicle, Ford could be held liable. By the time the repo guys left with the vehicle things were calm. Monday morning we called our attorney, he told us to call Ford Credit and yes they had been notified of the bankruptcy and the paperwork we showed these guys was a legal notice from the court. Just as we were going to call Ford Credit, Ford called. Some guy wanted to discuss the missed payment- which is another violation. He had no clue that we file BK and that the vehicle had been repoed. Stunned-or seemed to be-when I told him of the treatment we received Don’t’ these departments talk to each other. He wanted to know what he could do to make this situation better-guess he was trying to cover for Ford. What recourse if any should we take-have not discussed options with attorney yet? Today we have to call Ford back at a number what was given us to reclaim the vehicle and then call the attorney back. Help, what should we do as far as Ford is concerned? This whole thing has left me a mess, cant sleep, eat, I am still so nervous my hands are shaking. Please save the nasty comments for another time. The repo guys said it all.
To Missy it was the only one payment missed, and as of yesterday it is 2. You got the whole story. Also, attorney said that the vehicle was protected under the bankruptcy code. We can decide if we want to reaffirm or whatever you call it. Attorney also told us to call and get to the vehicle back. At this point, as suggested, I don’ think I want it back.

Technorati Tags: 911, bankruptcy bankruptcy, circles, cops, e mail, economy, ford, ford credit, ford motor, ford motor credit, garbage, jeopardy, key ford, paperwork, sunday evening, unemployment, yell

I hired a bankruptcy attorney to file a chapter 7 and I completed all my paperwork and credit counsiling all within the time limits, and then I got a letter from the court saying that my case was being dismissed due to some paperwork. I contacted my attorney’s office right away and they told me that they didn’t file some paperwork, but I shouldn’t worry about it. They told me to show up to the court appointment anyways, that they would take care of the paperwork. Me and my wife showed up to the court, seen our names on the calander and talked with a attorney from my attorney’s office. She told both me and my wife that the trustee might not hear our case because of the paperwork issue. Sure enough we did not get seen that day. The attorney that was there said that the office would be in contact with us within the proceeding three days, and I never heard from them. I have been trying to contact them for the last month now and I have been getting the run-around. This is bull! I need help! I had money taken from my account after I retained my attorney and nobody can tell me where my money is and if im going to get it back.

Technorati Tags: bankruptcy attorney, calander, chapter 7, court appointment, credit counsiling, money, paperwork, proceeding, time limits, trustee

I am considering filing for bankruptcy due to extensive medical bills. I have a car that was totalled, but I owe ,000. I had a co-signer sign for the car. Does anyone know what happends to that person after i file?

Do I get to keep the car? The car has no value and barely drives.

Also does anyone know of inexpensive alternatives to using a bankruptcy lawyer. In california we had a legal document service called "We the People" I am residing in TX.
Can i do the paperwork myself?

Technorati Tags: bankruptcy lawyer, co signer, document service, filing for bankruptcy, inexpensive alternatives, legal document, medical bills, paperwork

I filed for bankruptcy earlier this year, 2 months after the bankruptcy was discharged, I received a call from a repo company saying my car was being repossessed because the reaffirmation agreement wasn’t filed. Come to find out my lawyers office misplaced the paperwork. The bankruptcy was petitioned to be opened again so the paperwork can be filed correctly. My lawyer is now charging me 0.00 for reopening the case. Are they legally allowed to do this?

Technorati Tags: bankruptcy, lawyer, lawyers, paperwork, reaffirmation agreement, repo company

I filed for Bankruptcy in California in 2004. I have just found out when trying to refinance that there is an abstract judgment filed in 2001 in Orange County. 2 part question, Should/Can I file a motion to re-open the chapter 7 and try to include the judgment and have removed? approx cost? The judgement was for ,500. I need the lowest cost option to remove the abstract judgment/lien.
Do I have any recourse on my title insurance because I wasn’t aware when I purchased my home in 2008 there was an outstanding judgment and was under impression the BK included everything? (The BK was due to medical emergency at the time, orginal BK attorney no longer has paperwork)

Technorati Tags: bankruptcy, bk, chapter 7, insurance, judgement, judgment lien, medical emergency, orange county, paperwork, recourse, title insurance

I filed chapter 7 bankruptcy. I applied in late 2008 but due to the monthly legal payments and them falling behind on their cases once I fully paid them, I didn’t go to court until nearly mid 2009. I authorized my vehicle to be repo’d because of back payments and the amount left owed was discharged. All of my credit card accounts and loan accounts were also discharged. Didn’t own a home or have any pre-tax accounts. I closed my checkings and savings in late 2007 because of lack of funds and overdraft charges, but reopened a new checking and savings a couple of months ago.

What happens when I file taxes next year? Anything important I should know? Any paperwork I should bring with me or specific details I should know off the top of my head to give to them? I am supposed to tell them about the bankruptcy, Right?

Also, I always choose zero dependants and have always recieved a refund at the end of the year. Is it true that you definitely don’t get a refund after filing the bankruptcy? If so, for how many years and why?

Anything else I should know about that I didn’t think of?

Technorati Tags: chapter 7 bankruptcy, credit card accounts, dependants, loan accounts, overdraft charges, paperwork, tax accounts, top of my head

Here’s the story. We have been tricked before. In the past we had a broker that said our loan to buy a house was approved, showed us a phony letter from I don’t know who and after 2 months she mentioned that bank that approved us went into bankrupt. Yes, sounds like BS. Now, I came to realize I was missing a year of 1099 for me to get really approved so I guess she didn’t want to lose a client and lied about it. Finally I filed my second year of 1099 and around 2 weeks I sent all my info for me to get the loan process started. The same broker is working on my stuff but, I figured since I got all my paperwork now why not give it a second chance? Until today all I know is that I have been approved for 0K. I found a few houses but, I won’t have peace of mind until I physically get a loan approval document which I still haven’t seen/received. How do you truly know you have been approved? where and how do I request this? How would I know the letter/document is not fake? I’m tired of people that play dirty in the real state market. PLEASE HELP!

Technorati Tags: approval document, bankrupt, bs, loan approval, loan process, paperwork, peace of mind, second chance

We filed bankruptcy and on of the cerditors continues to garnish my account. So everytime I get my paycheck direct deposited it’s gone. What should I do?
I am filing PRO SE. I don’t have a attorney because I didn’t have 1500.00 to retain one. I have called several law offices but attorneys don’t seem to ever be in the office. I already turned in all my paperwork and my case worker said my paperwork was all there and looked great. I just don’t know how to stop the garnishments.

Technorati Tags: attorneys, bankruptcy, case worker, garnishments, law offices, paperwork, paycheck

I filed for bankruptcy about a month ago, and paid him in full last week for chapter 7. Well my bills for my loans and credit cards are due again and I’m wondering do I still have to pay them since i already paid my lawyer and filled out all the paperwork for the chapter 7. Or do I just let it ride until he does whatever it is he does?

Technorati Tags: bankruptcy, chapter 7, credit cards, lawyer, loans, paperwork

I have already completed the credit counseling class and I will be turning in the paperwork next week. What is the next thing that will happen? Also, what exactly is the meeting of creditors? When are you supposed to go to court and what happens when you do?

Technorati Tags: credit counseling, meeting of creditors, paperwork

I was wondering if you file and based on the paperwork your attorney provides the court, is it possible that you won’t even get a court date?

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Don’t give me a "debt management" of "consolidation" solution as I will report you as a SPAMMER.

I have already begun the paperwork for Chapter 7 bankruptcy and know it will be a long hard road to fix my credit.

This is for those who have already or are in the process of filing for BK or those who know the process well, ONLY.

Fed law requires pre-filing counseling and a "certificate". I can do the counseling class online which I prefer. What companies have people who filed BK used for pre-filing counseling and and post-discharge counseling?

AND if you think I can get around the BK with the amazing "debt consolidation company" you are about to mention, don’t… it just shows you haven’t read my question and have no idea what the process is all about. I have no other options but to file BK right now.

And please don’t preach to me about the evils of credit or bankruptcy or how great your loan co or debt consolidation co is. I’m experiencing the evils and just want my life back

Technorati Tags: bk, chapter 7 bankruptcy, counseling, debt consolidation company, debt management, evils, loan co, paperwork, spammer

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