Bankruptcy Advice Questions

by rttn Thu Mar 03, 2011 5:01 pm

i have my initial consultation next tuesday to file for chapter 7. anyone here with experience with this, could you please give me an idea of what i'll be facing? thank you Smile

by **Jobless_in_Ma** Thu Mar 03, 2011 5:06 pm

I just went though it. YOur lawyer will ask what you situation is and how much you are debt, hell also look at you income from last few years etc.
You will be given a ton of paperwork in which you have to list all your assets.
Once he beleives you qualify and has all your info he will set up a court date for you.
The whole process takes a few months. Once its done you will feel relieved.

by rttn Fri Mar 04, 2011 12:20 am

thanks for your reply, jobless. i'm pretty nervous about the whole thing, but it's something i need to do if i'm ever to get on with my life.

by Scipio Wed Mar 23, 2011 1:05 am

can you declare bankruptcy on traffic tickets?

I got other debt on top of this, would like to throw this in here too.

by MoInSTL Wed Mar 23, 2011 8:23 am

There is a bankruptcy forum that may help answer questions. http://www.bkforum.com/

by cps70 Wed Mar 23, 2011 10:38 am

I agree that once its over you will feel a lot better.Our lawyer had us fill out a creditors sheet and even then his staff double checked to make sure we didn't miss anyone.Other than that they did everything else for us we really had very little to do besides go to court or go to his office to sign paperwork so I guess its all about the firm you choose and the money your willing or can spend on the ordeal.

by **Jobless_in_Ma** Wed Mar 23, 2011 11:08 am

Our bankruptcy cost us 2700... Plus had to take 2 online credit courses at 50 a pop.

by Judi58 Wed Mar 23, 2011 12:03 pm

my cost 1400 and 2 online course at 35 ea in California... they did everything and the day it was dismissed they took my car...
But I still have back taxes that is it...

by cps70 Wed Mar 23, 2011 12:58 pm

I didn't have any online classes.Mine was 1500.

by Miss Displaced Sun May 22, 2011 1:10 pm

I've noticed a disturbing trend with the employers. Lately when you apply for jobs online, they want your Social Security Number UP FRONT so they can do background checks.

I'm terrified they will find the bankruptcy and then never call. Worse, you have no way to prove it was discrimination.

by Guest Sun May 22, 2011 1:19 pm

Ours was 2400 with 1 online class for 50 bucks fr EACH me and my husband. we filed jointly.

by Guest Sun May 22, 2011 2:43 pm

Miss Displaced wrote:I've noticed a disturbing trend with the employers. Lately when you apply for jobs online, they want your Social Security Number UP FRONT so they can do background checks.

I'm terrified they will find the bankruptcy and then never call. Worse, you have no way to prove it was discrimination.

http://www.unemployed-friends2.org/t295-q-a-on-how-to-overcome-obstacles-many-long-term-unemployed-face-in-their-job-search

by Woof Sun May 22, 2011 4:39 pm

Its possible to do your own BK. I filed and had a Chap 7 discharged last year. Did it myself, and both my filing fee and credit counseling fees were waiverd. You have to ask to have the fees waivered(there are forms). You will save a lot of $$$$, by doing it yourself!