Alamo, TX Bankruptcy Law Firms & Lawyers

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.

Without knowing more about you and your situation it's difficult to say which chapter of bankruptcy is appropriate or even if it is possible to prevent the foreclosure with bankruptcy. Most bankruptcy attorneys offer free consultations. Be prepared to answer questions such as: how much income does the household earn, how much does the household need to spend on living expenses, what types and how much debt you have, past due amounts on any your mortgage(s), what types of assets you have. The devil is in the details. Talking to a bankruptcy attorney can help you formulate a plan.

Depending on your income and the amount of equity you have in your home, you may qualify to file a Chapter 7 bankruptcy. A Chapter 7 bankruptcy would discharge the debts owed to the credit card and utility companies.