If not, you should at least ask questions of someone in a legal society and/or county clerk s office who can give you better advice. A foreclosure is different than a bankruptcy, but what happens sometimes is people don t act in time to save their homes. The bankruptcy laws have changed in the U.S. in the last few years and it would be to your best interest to check out whether it would be advantageous to you or not. I think in some states, you have to speak with two financial counselors before being allowed to declare bankrupcy.
I live in Oklahoma, and I filed my own Bankruptcy. It would have cost a minimum of $1,000 for an attorney to do it. On a fixed income like mine, I didn t have $1,000, so I spent several months researching it, bought the forms online, and started filling them out. Fortunately, I had a couple of very nice, helpful Federal clerks who tipped me off to things I would not have otherwise known. There is no law that says you MUST have an attorney, but there are literally dozens of forms that have to be filled out, by hand, unless you have a PDF Editor on your computer. All the forms are in PDF. With with I know now, I don t know if I d do this again.
If you have the money, you should get a lawyer to wipe ur butt. Oh wait, you re broke. Borrow money from this website. It is a community of lenders and offers great rates, similar to ebay with bidding involved. . All I ask is when you decide to start up, please use my link: www.prosper.com/join/eauclaire101 If you want, I can split the sign up bonus with you through Paypal.
Hiring a lawyer for minor legal problems can be expensive, but there are websites like LawGuru, FindLaw and other places where you can get free legal advice. I found this website useful - http://www.uelp.org/freelegal.html
DO NOT go to a county clerk, a county clerk cannot give you legal advice and certainly knows nothing about filing bankruptcy because it is federal law. The Bankruptcy Court Clerk can at least show you the forms to use. However, there is more to bankruptcy than forms. You have to complete credit counseling prior to filing or your bankruptcy will be dismissed (there are no exceptions to this) with an approved agency by the US Trustee (see http://www.usdoj.gov/ust/eo/bapcpa/ccde/... and a debtor education class after you file but before you get your discharge (same site). If you don t complete the second class your case closes without a discharge defeating the purpose of the bankruptcy. You also have to provide the Trustee 60 days worth of proof of income from ALL sources for the 60 days preceding your bankruptcy filing. As well as your tax returns for the past two tax years. You have to list ALL of your property, ALL of your debt, ALL of your exemptions, and past 6 months worth of income on the Means test. All this requires some expertise that you would normally pay a bankruptcy attorney to do. You really should pay a bankruptcy attorney. You will free up some cash if you stop paying your bills (you need to stop paying all of your unsecured debts to begin with, except for student loans if you have any), which will make it easier to pay the attorney. I think you will find it much less stressful to have an attorney that knows exactly what to do prepare everything for you (after you give them all the required documentation), than to worry about whether you did everything, because there are a lot of requirements that the average person doesn t know about that can cause your bankruptcy to fail. If you don t owe much more than an attorney would cost, you shouldn t be filing, you should just pay off the debt.
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