When I was originally thinking of filing, I called Legal Helpers. After talking with them on the phone, I made an inperson apt.
When I saw their atty, she told me that I would have to file a Chpt 13 and not a 7. She was totally wrong. She had miscalculated my income to determine if I was under the threshold. I had a lot of time off work due to illness and that pushed me under the median. But she didn't do the numbers right.
She was also wrong on a couple of other points. She told me I couldn't use the cards at all for three months before filing, which is totally wrong.
I went to a local atty and he said I was way (over $1500) under the median. I had been using my cards to pay necessities so I wasn't behind in any payments. The local atty said that wasn't a problem and that the worst that would happen was that one or two specific charges might be challenged. If the challenges would be upheld, I would have to pay them but I would still be way ahead.
He did all the paperwork very quickly. I had my 341 hearing today. There were no objections from creditors. The atty spoke with the trustee last Friday to make sure she was aware that there were health reasons why my income has been so much lower recently. No one in the trustee's office had any questions or problems.
The atty says I'm home free.
He also charged me $400 less than Legal Helpers.
I don't mean this as a blanket condemnation of LH. I know others have been pleased with them. This is mostly to caution people to check with more than one atty.
When I saw their atty, she told me that I would have to file a Chpt 13 and not a 7. She was totally wrong. She had miscalculated my income to determine if I was under the threshold. I had a lot of time off work due to illness and that pushed me under the median. But she didn't do the numbers right.
She was also wrong on a couple of other points. She told me I couldn't use the cards at all for three months before filing, which is totally wrong.
I went to a local atty and he said I was way (over $1500) under the median. I had been using my cards to pay necessities so I wasn't behind in any payments. The local atty said that wasn't a problem and that the worst that would happen was that one or two specific charges might be challenged. If the challenges would be upheld, I would have to pay them but I would still be way ahead.
He did all the paperwork very quickly. I had my 341 hearing today. There were no objections from creditors. The atty spoke with the trustee last Friday to make sure she was aware that there were health reasons why my income has been so much lower recently. No one in the trustee's office had any questions or problems.
The atty says I'm home free.
He also charged me $400 less than Legal Helpers.
I don't mean this as a blanket condemnation of LH. I know others have been pleased with them. This is mostly to caution people to check with more than one atty.
Comment