how do i file for banruptcy?

Question

how do i file banruptcy for 7 different problem? Do i call every single company and tell them i wish not to pay anymore. I have a car, medical bills from 3 different hospital, cell phone bill, and education loan. my question is do i charge on my credit for every since different company or it would be just one over score taken off. im only 21 i heard that this will stays on my credit for 7 years then remove or dismiss however they do, so by then i will be 28 years old, Im pregnant and im wondering if im going to need any help rising a kid for the next 7 years from any of these company i want to know if im going to regret it in the long run, i want the best life for my baby i don't know if filing banruptcy will affect his or her little life.

Answer 1

Please contact the local bar association for a referral to a bankruptcy attorney. Consult with that attorney for accurate answers to your questions.

Answer 2

in your situation bankruptcy will be the best option although many judges will ask that you seek out an appropriate certified debt management company. i don't know what state you live in but http://www.fdnsolutions.com can help people to avoid bankruptcy if they qualify. settlement is a way to have the creditor get something rather than nothing and help to eliminate your debt without the negative recourse of the bk.

Answer 3

usually if you are considering filing bankruptcy your credit is already very bad so filing may actually help your credit. Yes it does eliminate some credit opportunities but I would contact an attorney and have him explain the various alternatives available to you.

Answer 4

Just contact your local bankruptcy lawyer and ask what your options are. That's really all you can do. Best of Luck!