I want to file for bankruptcy but I consolidated and settled some of my debt. Help?
January 20th, 2009 by friends
I consolidated 2 of my credit cards at a credit union and settled the rest of my debt with a law firm. But I can't pay anymore because I am currently unemployed. I want to file for bankruptcy but with my situation, is it possible? I heard I still have to pay money to file for bankruptcy. I know I need a lawyer but where should I go?
Be careful! Make sure you seek help from a trusted expert in the bankruptcy field. You don't want to make a mistake that can harm your credit for a long time. Try calling a lawyer to make sure you do the right thing. http://www.bankruptcylawyersite.com
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bankruptcy lawyer will certainly cost you some dough.
contact the state bar assosciation or a local law school for more local information. there are some very cheap lawyers that will give you the one size fits all bankruptcy or you can spend some cash and get a more detailed assesment and consultation with a professional.
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You should definitely get an attorney. If you can't afford a bankruptcy atty, you can go to legal aid (check the phonebook) in your area and get help. You can also call your state bar association and they should be able to give you a referral to a bankruptcy atty. There is a filing fee for bankruptcys (probably different in each state. I live in MI and it's about $275), and then any atty fees. I think that fee can even be waived if you meet certain income requirements. Usually if you have more than $10,000 in debt, you would potentially be a good candidate for bankruptcy. You should be able to include any unsecured debt, no matter where it is being handled right now. Bankruptcy can really hurt your credit, so make sure you've look at all other options before you do it.
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Call your local united way services and ask for a referral to a low cost or no cost legal clinic in your area that specializes in bankruptcy. Your bills won't go away because you don't have a job or money. That's your problem, not your creditors. Bankruptcy is a legal (and emotional) process and could actually hinder your chances of finding a new job. Think seriously about the consequences of bankruptcy. Focus attention on filing bankruptcy AND avoiding it by finding a new job. You may have to work two jobs right now… do what you have to do. Once you get on your feet, start to save money for future emergencies. Find a local or internet support group to help you cope with the job search stress, financial stress, and everything else you have going on. It's time for professional guidance here… talk to United Way Services!!!
References :
Be careful! Make sure you seek help from a trusted expert in the bankruptcy field. You don't want to make a mistake that can harm your credit for a long time. Try calling a lawyer to make sure you do the right thing. http://www.bankruptcylawyersite.com
References :