How would I.....?

Question

go about filing bankruptcy on my own?I would rather do it on my own instead of paying a lawyer.I dont own a home or anything else worth a lot so Im not worried about losing anything.And Im about 10,000 in debt.My only option is to file bankruptcy, Im a single mother making not much more than mininum wage and finding it impossible to get approved for anything and also my wages just started getting garnished.Im behind as it is and can not afford to pay anything towards paying my debts off. How complicated is it to go about this on my own?Please help!!!

Answer 1

you might try getting info at your local public library.

here are 2 sites where you can get more info - i would definitely suggest researching all your options and all the requirements before filing. there are also some places where you can get some free legal advice.

don't forget that once your bankruptcy is discharged (finalized), it will show up on your credit for up to 10 yrs, and you must disclose it on credit applications if asked.

http://www.bankruptcyaction.com/Chapter7NewLaw.htm

http://www.filingforbankruptcyonline.com/doityourself.html

good luck

Answer 2

I know someone who tried to file on her own. The judge pointed out several errors in her filing that, if left, would have resulted in her losing her home. He sent her away to get an attorney, she came back much better prepared and ended up with as good a deal as you get in the circumstances.

Please do not do this on your own. At least speak with an attorney to find out what is involved.

The suggestion of credit counselling is also an excellent idea.

Answer 3

Before going to any extremes, you may want to try talking to a reputable credit counseling service. They may be able to help you work out some kind of installment plan to pay back your debts without destroying your credit rating.

Answer 4

DONT BE CRAZY - hire an attorney - make sure you go to www.annualcreditreport.com and pull all 3 bureaus to make sure everything is in your bankruptcy