Crystal Springs, FL Bankruptcy Law Firms & Lawyers

You may have been scammed...without knowing more, I am only guessing. Bankruptcy attorneys have strict rules on collecting money and informing their clients of what they charge. They are required to give you a written agreement for you to sign informing you of all of you fees. You need to speak to them and get an understanding of what is going on...and/or demand a return of your money. I am unaware of any "large" firms in Madison.

You need to get an attorney to do this for you. You may not realize this but if you wait long enough, you won't have to pay some or all of your income taxes. However, if you file now, you'll definitely be paying a large chunk, if not all of it. I just wrote an in-depth article on the dischargeability of taxes in bankruptcy (currently awaiting publishing). The rules are extremely complicated and most "good" attorneys only know the very basics of how it works. I highly recommend that you don't do it yourself and that even if you want to do it yourself, buy an hour or two of an attorney's time to check out the tax consequences.

Yes. You can file a Chapter 13 bankruptcy to let you retain your home and restructure your debt over a 60 month repayment period if necessary. In many cases you are not required to repay ANY credit card debt.