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Undecided about filing, need advice

Date: Sat, 11/29/2008 - 11:10

Submitted by anonymous
on Sat, 11/29/2008 - 11:10

Posts: 202330 Credits: [Donate]

Total Replies: 1


I was at the legal aid office this week, he looked at my situation to see if I was able to file for chapter 7, he said I was able and I was also "sort of" judgment proof. But then he said he would do a chapter 7 for me anyway. My situation is this, my main reason for wanting to file is a judgment against me for an old credit card debt, they have the judgment and will probably enforce very soon. I make about 3-400.oo a month just from my freelance job, that is my only source of income, I am very afraid that they will attach my family 's bank account or possesions, which is what is pushing me to file. But I am also scared to file, I don't know what to do or what is best for me at this point. I am willing to pay this judgment, whatever I can afford, but it doesn't look like this lawfirm and creditor are going to budge. Please advise, any suggestions are appreciated.


Your story touch me deeply so I felt compelled to reply. My situation was similar to yours and I was undecided about what to do also. Due to an illness and very little income, I was about to lose everything.I also had a cc company suing me and didn't have enough money to pay bills and live on. The cc company could have put a lien on my house and so I made the decision to file for bankruptcy. I found an excellent attorney with a lot of experience with bankruptcy filings. After meeting with the attorney and going over every thing the best option for me was chapter 13. I had excellent credit and worked hard to buy my first home. My bills were always paid on time. I struggled with the decision but had no other choice since my illnes is preventing me from working. I can't make the decision for you but hopefully my story will help.I would advise that you don't waste any time. Yes they can go after your possesions and bank account.I was told by attorney that filing doesn't make you a bad person.Please don't beat yourself up. I hope this helps you and I wish you the best.


lrhall41

Submitted by anonymous on Sun, 11/30/2008 - 16:45

( Posts: 202330 | Credits: )