Ackerly, TX Bankruptcy Law Firms & Lawyers

You have to complete the credit counseling prior to filing. In limited situations, you can get a waiver. The majority of the counseling classes online take an hour and will get you the certificate the day you take the class.

I've never heard of a mortgagee retaliating that way for failure to execute a reaffirmation agreement in a chapter 7 bankruptcy. The worst I've heard is one refusing to report your payments to a credit bureau.

You need to file bankruptcy to get rid of all of the credit card and medical bill debt. It would be best if you went to the hearing in the small claims court. Your defense is that there is a 5 year statute of limitations here in Florida and it has been more than five years since you defaulted. If that does not work you can rest assured that there is a way to get judgments against you wiped off the slate. The filing fee for bankruptcy is $306, and a reasonable attorneys fee is around $1200. Do not think that a bankruptcy petition preparer can do anything near what an experienced attorney can do. They charge a lot less but they cannot legally give you any legal advice whatsoever. So, save up to hire a bankruptcy attorney and find one in your area who will take payments. The real question to you is whether it is worth approximately $1500 to get out of $insert total amount you owe here. The answer is always yes. You will undoubtedly qualify to file a chapter 7 bankruptcy because you will be making less than $40,000 per year on disability. You can go to my website and download a pamphlet I have written about Chapter 7 Bankruptcy. I hope this has helped you.