2007-02-21 14:21:14 · 10 answers · asked by misshova410 1 in Business & Finance ➔ Personal Finance
you need to hire a competent bancruptcy attorney in your area. their fees are reasonable (after all, they know you are broke!!). they will fill out the paperwork, file it, and then represent you during the proceedings. this last part is very important, as they continue to represent you following the proceeding. trust me, there are some creditors who dont just roll over; they try to get you to reaffirm your debt. Siccing your attack dog lawyer on them works wonders..and its fun.
2007-02-21 14:23:59 · answer #1 · answered by Shredded Cottage Cheese 6 · 0⤊ 0⤋
You file bankruptcy at the bankruptcy court which is a part of the federal district court for your area. You can get forms from the court's website. You might be able to file by yourself but you also might need an attorney. It depends on the case.
You must take credit counseling within 180 days before you file your case. You must take a financial management course after you file your case to get a bankruptcy discharge.
Very important.
Detailed information is at my website
2007-02-21 23:05:25 · answer #2 · answered by DLeibowitz 5 · 0⤊ 0⤋
First off make sure this is your last option because once you file it is hard to get loans and credit. But if you are sure find a great Bankruptcy lawyer you will have to pay him in advanced any where from 1000 to 3000 dollars. then get a list of all your debt and I mean everything, record clubs, medical, credit cards, car loans, mortgages. then you will have to list all your monthly bills and list all your property. You will most likely get to keep everything, as long as it was purchase at least 6 month prior. Then you go to a hearing and your creditor can show up but most likely don't. then you are done for 7 years Good luck
2007-02-21 22:37:47 · answer #3 · answered by iseemen 5 · 0⤊ 0⤋
If you want it done with no headaches - look in the phonebook for a bankruptcy attorney. There are tons in this field. Also note, new bankruptcy laws - you may be referred to a debt management company and participate in a mandatory program on managing finances before you file.
2007-02-21 22:28:16 · answer #4 · answered by JD 2 · 0⤊ 0⤋
There's a website here which explains about the various chapters and how they work. Bankruptcy is a serious legal process and unless you are very well-informed, you will need a lawyer to help you. A good lawyer should take all the hassle off your hands and deal with all your creditors.
I hope this helps. Good luck!
2007-02-23 18:23:55 · answer #5 · answered by Anonymous · 0⤊ 0⤋
See a bankruptcy or family law attorney. There's no use in asking any questions anywhere else, as his initial consultation will likely be free, and you'll have to see him anyway to file.
2007-02-21 23:00:54 · answer #6 · answered by Rob D 5 · 1⤊ 0⤋
The best thing for you to do is contact an attorney. At your initial meeting, usually it's free, you should bring a list of your credit rating, all your current debts, and you will then review them with him/her. Make sure this is your last resort prior to agreeing to have this attorney take on your case. You may just need credit counselling. Hope everything works out for you. Hang in there for you surely aren't alone!
2007-02-21 23:11:46 · answer #7 · answered by Anonymous · 0⤊ 0⤋
You should take a look at the options you can find at: CREDIT-AND-FINANCE.COM-
RE Where do i file for bankruptcy? and how?
#EANF#
2014-10-14 06:44:01 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Call your local courthouse to find out. The paperwork is very easy so don't get suckered into paying big $ for an attorney.
2007-02-21 22:23:38 · answer #9 · answered by LO! 4 · 0⤊ 1⤋
Ask your lawyer.
2007-02-22 01:36:43 · answer #10 · answered by Anonymous · 0⤊ 1⤋