What do I need to understand Bankruptcy when I talk to Lawyer
Currently I am calling a few laywers for bankruptcy in Ohio. I am married and only be filing. I have a few questions and worries about what I should know and have when I talk to a laywer.
-Can they touch my husband's assets even tho the debts were before we got married?
-How long does it take for the Bankruptcy start cause CITIBANK has a lawsuit against me right now. They want 200 for the next 2 years...Not willing to settle or take any money off of 4500
-Also I am late over 9 months on 7 other credit cards and late on student loans....I got scammed by a settlement company. I have a settlement on HSBC and only got 3 more payments, will filing bankruptcy hurt it?
-I do not own anything I barely work 3 days a week...can they take my little assets like game systems / tv that i was given for christmas presents? or should I sell them?
Also if I can't file, can the other credit cards garneish or sue me now or do they have to wait until I am done paying Citi bank. I only make 400 a month and taking that 200 away I only have 200 to live on
If Anyone has any sites I could read and advice to help me. I am so stressed...Citibank made me so mad when I told her my situation being scammed and losing my job i just cant take it anymore...I am about ready just to ship them my dead body and let them sell my organs for parts.......
Please any help would be grateful =(
I'd try to clarify your queries as much as I can, okay. - If th
I'd try to clarify your queries as much as I can, okay.
- If the debts are in your name only, the creditor wouldn't come after your husband's property. Besides, Ohio isn't a community property state. Things are treated bit differently in community property states.
- Even if Citibank successfully gets a judgement against you, you would be able to add the judgement in your bk filing.
- You may wish to complete the settlement with HSBC and then consider filing BK.
- Exemptions are available both under the state and Federal bankruptcy laws. You may need to consult the list of exemptions available to you.
IMO you must put all your queries before the BK lawyer to understand your situation better.
If you are going to file, I wouldnt bother with settling with an
If you are going to file, I wouldnt bother with settling with anyone right now. It could be seen as preferential payments to a specific creditor.
Stop answering the phone and talk to an attorney. Consultations are usually free.
Well I went to one lawyer in Ohio to take care of my Lawsuit aga
Well I went to one lawyer in Ohio to take care of my Lawsuit against me by Citibank. It costed me 550 for him to file papers and talk to them to give me until June 1st to file BK.
Today I went to a BK lawyer and hopefully starting the process. Only hard thing will be getting the 900 dollars to have them file. I also have to take a Credit course, can someone tell me more about it?
I was told to stop paying on my one cc and payday loan cause the laywer asked me too.
I am just afraid it will not work, I have been told by 3 people already that they would help me and all they did was take my money and run leaving me with more debt.
This is a very new process to me and I am scared...