How do I claim bankrupcy the fully legal way without a lawyer? -

I spoke with a lawyer the other day and he was like, its going to cost 2 -3 thousand... I gave him a funny look and said, quot;but wait, im bankrupedquot;... and he just kinda trailed off..

You d better do a LOT of studying and be prepared to represent yourself in court in front of a judge. It does cost a lot to hire a lawyer but if you call around you ll find one willing to work with you on the payments. Trust me....you really don t want to try to do it alone. You might screw up and wind up paying all of it anyways! I don t think you can go to jail for doing it wrong but the people wanting to collect on you may end up garnishing wages and taking your income tax if you don t do it right. Whatever you do...DON T use your credit cards for at least a couple months before filing....otherwise the CC companies can claim that you ran them up with no intention of paying them back and they ll be awarded a judgment to make you pay it ALL back! It s tricky....you would really do well to get a lawyer. Seriously. I have a relative going through it right now and he found a lawyer willing to take four individual payments of $375. After the first payment he files all the necessary paperwork and gets all the collectors to stop calling immediately! So assuming you won t be paying back any of these people hopefully some money will be freed up and then you ll pay the remaining payments for him to do all the court work and taking it in front of a judge and what not. It s a long dirty process but sometimes you just need to start over because there s no way out. I feel your pain!