Why Is it That many of the people who respond to people's legitimate bankruptcy questions do the following?

Question

1. Tell people not to file without knowing their situation
2. Tell people that credit cards are not dischargeable anymore, when in fact they are
3. Tell people they are horrible people for even thinking about it
4. Tell people they need 6 months of credit counselling when the requirement is actually that you have it within 180 days of filing (and at least a day before you file).
5. Are some people deliberately lying about bankruptcy law, or is this typically just people that know nothing about it that insist on answering something they know nothing about?
6. Why do people tell people that they should leave things OUT of their bankruptcy when the bankruptcy code clearly states that everything MUST be listed?

I ask because it worries me that people will actually follow this incorrect advice.

My question is clearly why these people keep answering questions incorrectly. I do not ask bankruptcy questions here because I am a bankruptcy attorney, it just bothers me to see all these people saying completely wrong things about bankruptcy knowing that whoever is asking the question may not know any better and follow their advice.

I've never had a reason to contact money management international, though I'm sure some clients have had their counseling there.

Answer 1

Most people do not know or understand bankruptcy law and there is a lot of misinformation put out by law firms, politicians, and credit card companies to prevent or encourage people to file.

If you have a serious bankruptcy question, Yahoo Answers is probably not the best venue for you to get a serious answer.

Answer 2

And, your actual question? Although, it sounds to me like you might have called Money Management International.

Big mistake.

Answer 3

People are just uninformed or misinformed...