I’ve had a hard time the past couple of years. From having an unexpected surgery that cost over 27K to temporary unemployment and then a low paying job. I am thinking of going for chapter 13 bankruptcy since I got a better paying job now and I know I can’t file for a chapter 7. However, I’m worried because the lawyers have asked me for 6 months of bank statements and for the past 5 months I have been living with my parents and not really paying for anything other than my living expenses. At that point it was useless to pay anything to my credit cards since by then they wanted me to pay all or half of my debt to them. Now I have a job and I finally got my own place. I guess my question is; if I take the bank statements and they see that out of the 6 months I’ve only had big living expenses in the past month, would this have a negative effect in my outcome? I’m not asking for a chapter 7. I do wanna pay my debtors, I just can’t pay all of it. By now its almost 50K with medical bills and credit cards. Thank you for your answers.

just a rough estimate will do. lawyers to recommend is also a plus. thanks

My husband and I are in the process of filing for bankruptcy…we have signed the papers and everything and our lawyer advised us not to make any more payments that the arrears would be paid up in our payments to the trustee, well my car payment was due and payable the day we went…not yet behind mind you, and we did not pay it as instructed. Now the financial center has called and said that since I don’t have a case number yet..( I will have one in like 2 days) that they have to put an order for repossession of my car…I called my lawyers office and asked if they could do this….they said that yes they could, but that they would have to give it back. I’m still worried about it though…and to be honest the worth of the car is way less than the blue book pricing which is what they will get paid with the bankruptcy, they stand to make more money off of me by letting me wait the day or two to get my case number..it’s crazy…anyhoo…l was wondering if anyone had any experience with this and whether or not they actually ended up losing their car? Please no ugly answers..I’m filing chapter 13 even though I could file for 7 because I do want to try and pay back at least some of my debt, but I kind of need to feed my kids and that’s getting extremely hard my husband has lost a day a week at his job for three months now and my hours have been knocked from 40 to 24….were just too far gone to recover on our own…the car was actually one of the only things that wasn’t behind..anyways any help or advice (nice advice) that you could give would be great!!
anyone else?

The client has two debtors. One is BOA (three credit cards) and one hospital bill. Fairly simple are straight forward.

She was quoted 00.00. Is this price in line with what other lawyers would charge for this service?

Ok so I’m in the middle of a chapter 7 bankruptcy, and I had applied for FAFSA online for school. It came back with a Direct Loan through William D Ford Direct Loan. Now this is a government loan based on my need, not on credit or anything. Is this going to mess with my bankruptcy? My lawyers aren’t available to talk to for another few days and im freaking out. HELP

Just got collection letter from Ken Hughes of Merchants’ Credit Guide Co. Welcome all info about this outfit. Bad rep all over web.

Have you been sued by a collection agency? What did you do? How long from first collection letter to court date?.Were you represented?

How often do collection agencies sue low-income folks with no assets e.g. no home, old car? Seems like it wouldn’t pay. Have you known it to happen?

Don’t want to spend the rest of my life hearing from collection agencies. These guys sell debts to one another for pennies. I could be hassled for years. Some lawyers say to ignore it because I don’t have anything. It’s one thing to get a judgment, another to collect.

I just want peace of mind. I’m 69 with heart trouble and high blood pressure.I’m judgment proof but not stress proof.

I welcome mature advice. Lowest cost bankruptcy I can find is 00. Legal aid won’t do one.Should I do a bankruptcy just for the peace of mind?

I am trying to do my own bankruptcy but I keep running into sites that get my information then I get this phone call from lawyers. I want to file myself and all I need is a website that shows me how and what to file. Do anybody know where I can go online to get instructions on how to file a chapter 7 bankruptcy?

it seems that all lawyers charge about the same (00) and i cant find any paralegals specialize in it? is there anywhere i can go where it will cost me less?
Bad Co……. i was thinking of that, but i was scared of making a mistake, thanks for the encouragement. did you do this before or after the law changes though?

My driver’s license in IL is suspended because I owe a substantial amount in parking tickets. I have been advised by lawyers that a chapter 13 bankruptcy will reinstate my license. Is it tough to make this work? How much would it cost for legal fees, and what will it take to convince the judge to approve the bankruptcy?

I’m in a real mess with my bank acc being frozen and now overdrawn . my total debts are less than ,000 so most lawyers wont touch it for me, but the monthly payments to the credit cards are too much right now . anyone have any sugestions for me that would be great

Since I have to file chapter 7 bankruptcy for some relief, I think it’s understandable that I can’t afford the 00+ fee that most lawyers charge. I would like to know if anyone has used an online forms preparation company, and if they actually had success. Thanks for your help.