Sanford, FL Bankruptcy Law Firms & Lawyers

No one could tell you which chapter to file without knowing more or set a fee. Mine range from $1,000 to $1,700, depending on complexity, plus the court's filing fee & small counseling fees.

You really need to secure an attorney. Yes, you must file a response within 20 days of being served with the lawsuit, but it's not a matter of just writing down the facts of your case. So often we see pro se parties that "don't know what they don't know" and waive many valuable rights and defenses. Stating that the debt is true is almost as bad as not asserting any defense at all. That will allow the creditor to quickly obtain a judgment against you. Do you have any viable defenses, such as standing, waiver or estoppel? Is the party suing you the one that you initially signed the credit card agreement with? Have you seen an original signed copy of the credit card agreement? And in discussing what is not a defense, advising the court of medical issues, job loss or family issues which have led to your non-payment, not of those are legal defenses to the allegation of non-payment.

No, he can negotiate that, but the secured party is entitled to pmt in full or its security. If the value of the security is less than the debt, the trustee can "cram down" the banks throat a ower amt, but cannot force a deed in lieu. Jr. lien holders in Utah do not lose their position in a deed in lieu situation and would still have a interest in the property. That is why a foreclosure by the lender is available but not a forced deed in lieu.