Victoria, TX Bankruptcy Law Firms & Lawyers

If no assets or creditors were left out of the papers that were filed, you do not need to amend the schedules. They are prohibited from contacting you and there may be a violation of the automatic stay if they have. You also do not need to send creditors proof that you have filed or that the debt to them has been discharged. They already got notice that you have filed. Often, one department of a large bank does not know what the other department knows. If a bank tries to collect a debt which has been discharged, there may be a violation of the Federal automatic stay.

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.

For it to be "criminal restitution" it has to be an award made by a criminal court, not a small claims court. There are other criteria too, but that's the one that your question indicates will be your biggest roadblock.