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I'm glad to know about NOLO, and that you respect it enough to recommend it. Nothing beats a personal recommendation!
Just to make sure there's no misunderstanding for those reading this thread, in our area most BK attorneys do a free consultation. That's what we did. And if I were in a position where I needed to file BK right now, I'd be in good shape to check out NOLO or other similar sources. (We were happy to do our wills with online legal assistance - painless and saved a bunch). However, at the time we filed, we were physically and emotionally exhausted. We really needed and benefitted from having a professional walk us through and do the work for us. And, even with an attorney, we ran into a glitch (someone sued us for money and ended up owing us) which our judge responded to by dismissing the (perfectly paid) BK - and we had to refile. I was devastated and once again benefitted from professional counsel.
It's always best to know all the options and do what's best for you personally. One of the great things about these forums is that you get a well-rounded gamut of information. Do what works best for you at the time! And the bottom line is - get as much information as you can - either from respected online/print sources and/or from respected professionals. Information is empowering and allows you to move forward with grace and power. Don't be content to sit back and wonder what the options are - take the appropriate steps to learn what's best for you.
@Anonymous wrote:I'm glad to know about NOLO, and that you respect it enough to recommend it. Nothing beats a personal recommendation!
Just to make sure there's no misunderstanding for those reading this thread, in our area most BK attorneys do a free consultation. That's what we did. And if I were in a position where I needed to file BK right now, I'd be in good shape to check out NOLO or other similar sources. (We were happy to do our wills with online legal assistance - painless and saved a bunch). However, at the time we filed, we were physically and emotionally exhausted. We really needed and benefitted from having a professional walk us through and do the work for us. And, even with an attorney, we ran into a glitch (someone sued us for money and ended up owing us) which our judge responded to by dismissing the (perfectly paid) BK - and we had to refile. I was devastated and once again benefitted from professional counsel.
It's always best to know all the options and do what's best for you personally. One of the great things about these forums is that you get a well-rounded gamut of information. Do what works best for you at the time! And the bottom line is - get as much information as you can - either from respected online/print sources and/or from respected professionals. Information is empowering and allows you to move forward with grace and power. Don't be content to sit back and wonder what the options are - take the appropriate steps to learn what's best for you.
Yes, most bankrutpcy attorneys do offer an initial free consultation. Given that an attorney's time is money, inevitably the vast majority of these free consulattions do not go too in depth. Even in those few cases where they do, virtually every potential bankruptcy filer will have questions occur to them after the initial consulatation.
That is why a reputable, solid resource is necessary before you even seek an attorney's advice. An informed individual will be able to formulate better, more relevant questions and be better able to understand the attorney's advice. In the event one -- and I believe wisely -- chooses to have the attorney represent them in the bankruptcy proceedings, Nolo can be used as a reference by the individual to not only audit the attorney's work, but to make sure they understand everything that is happening, avoid susprises and be an active participant in their case rather than just sit back and enjoy the ride.
Your chances of being content with the outcome of your case are much greater when you are an active, well-informed participant.
Thank you all for the information. I am looking into all options and educating myself.
Thanks again,
Dalia
@Anonymous wrote:How can I file for bankruptcy when I cannot afford to pay the lawyer or fees or classes. Are there any aids?
After my bills are paid I have less than 20$ left. I'm a single mom of 3 and right now child support is my only income. I recently closed a small business. Actively looking for a job and in college.
Thanks,
You do have the option of filing a motion with the court to waive the filing fee and you could do the BK paperwork yourself (if your situation is a "straight 7" with no assets). Check your local US Bankruptcy Court website for details/requirements for waiving the filing fee. Also there are non-profit organizations that may assist you with filing your BK without charge.
Good Luck!
Thanks!
My debt is all credit card. Nothing else. Im keeping my car.
Is that simple enough to file for myself?
@Anonymous wrote:Thanks!
My debt is all credit card. Nothing else. Im keeping my car.
Is that simple enough to file for myself?
It's really not that easy to say until every little detail is examined. That's why it would be far better if you read up on Ch. 7 and then consulted with a local bankruptcy attorney. Sometimes those cases which at the beginning seem very simple can turn into a bear.
When I filed for bankruptcy and didn't have the money for the attorney, I used a cash-advance check from one of my credit cards to pay his/her fee, then included the credit card in the bankruptcy filing.
@Anonymous wrote:When I filed for bankruptcy and didn't have the money for the attorney, I used a cash-advance check from one of my credit cards to pay his/her fee, then included the credit card in the bankruptcy filing.
I'm curious. You see nothing ethically wrong with making a charge on a CC you know will be included in BK?
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work
If at the time I could afford to be ethical, I wouldn't have filed for bankruptcy - I would have paid all my creditors.
It may not have been ethical, but it was better than not being able to pay the attorney for his/her services.
@MarineVietVet wrote:
@Anonymous wrote:When I filed for bankruptcy and didn't have the money for the attorney, I used a cash-advance check from one of my credit cards to pay his/her fee, then included the credit card in the bankruptcy filing.
I'm curious. You see nothing ethically wrong with making a charge on a CC you know will be included in BK?
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work
His creditors were foolish. A cash advance that close to bk could have prevented a discharge had they raised the issue at the creditors' meeting.