I Want To File Bankruptcy
Posted on September 1, 2009 at 2:17 am
Dolphy: yes, you can self-represent. Doing so entails much lesser expenses on your end, because you may have to pay a hefty amount upon filing for bankruptcy, with courts fees and attorney's fees included in the mix.
Posted on September 12, 2009 at 12:58 am
I see.
Posted on September 14, 2009 at 3:12 am
What would you advice consumers who say - I want to file bankruptcy but not have my credit suffer tremendously?
Posted on September 14, 2009 at 3:17 am
I want to file bankruptcy but not have my credit suffer tremendously?
By tremendously, the consumer meant the bankruptcy being on the credit report for 7 years (Chapter 13) and 10 years for (Chapter 7) -- and that can't be avoided if one files bankruptcy. That's why consumers are being warned against it as there are alternative to it.
Posted on September 14, 2009 at 3:21 am
Consumers should say then -
I want to file bankruptcy but if there are other debt relief alternatives, what are they?
Posted on September 14, 2009 at 1:20 pm
As a person who has filed in the past, I would advise to consider all alternative routes to handle your debt before you file for BK. It has long lasting consequences.
Posted on September 15, 2009 at 3:19 am
what are the other alternatives available
Posted on September 15, 2009 at 5:04 am
I want to file bankruptcy but not have my credit suffer tremendously?That's impossible. Bankruptcy does have drastic effects on your credit. It has been mentioned earlier and only the passage of time will remove the negative notations on your credit file.
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Anna: the other alternatives available include debt settlement, credit counseling, and acquiring a debt consolidation loan. These options work depending on one's financial situation. Feel free to fill us in on yours so we may be able to help you out better.
Posted on September 19, 2009 at 8:38 pm
It's all a catch 22. I'm a single parent, lost my job almost 2 years ago. I do not qualify for legal aid and cannot afford to file bankruptcy. A creditor IS taking me to court. I have no control as I can't afford any kind of legal help. I think it is a SIN that these banks can go after the little people while they get bailed out by the government.
If I had known how easy it is to lose everything you work for, and your children as well, (Can't have children if you are homeless, right?), I would have never worked. Ever...I would have had more kids years ago and lived on welfare. The Welfare bunch get treated like royalty in our country. The workers get treated like garbage.
I no longer believe in our country.
Posted on November 8, 2009 at 2:33 pm
the pre mandatory credit counseling cost me $50
my attorney for Chapter 7 cost $1800 including court costs
I will have to go thru a final credit counseling session after I file and BEFORE the court date at a cost of another $50
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