Chapter 7 in Missouri
I have some questions about CH 7 BK, in MO.
First, how much is it to file? and why does the cost range so much for the attorney fees? I've read that the attorney fees range from $500 up.
Second, we have done a Ch 7, seven years ago. I am scared that they might refuse to discharge our debts. Afraid they might view us as "foolish" with our money, since we didn't "learn" from the last BK experience. But that isn't true at all. Our debts are all from LIFE, not frivolous purchases. Not vacations and not a bunch of unneccessary furnishings or clothing, or any of that. We did eat out some on the CC's. But it is mostly groceries, or things for our baby. We had all our cards paid off, or we paid the balances every month, till she was born. Then we used the cards to help with her expenses. Her clothing, etc... But then my husband's company laid off over 100 people. And he was one of them. Then he tried working for himself, while he could find work. When that ran out, we did not make ONE purchase with any of the cards. Even after he got unemployment, we didn't try to use the cards. But we also had to stop making payments on the cards. It has been over 3 years now. And these things are accumulating and the collectors are finding us. We just got our credit reports and I have a judgement. I am just scared that the BK court will refuse us for allowing ourselves to get into this mess after a BK. But really... what are people thinking? Why would ANYONE do this on purpose? I know we never wanted to do it again, much less the first time. I hate that we were so naive, but we have DEFINITELY learned from the past 5 years. Nothing in life is permanent, especially your job..... So, my second question is Can they deny our BK and refuse to discharge our debts? On what grounds can that be done? And does that happen often to people in our type circumstances?
Sorry this was so long. Thanks to anyone for responding.
First, how much is it to file? and why does the cost range so much for the attorney fees? I've read that the attorney fees range from $500 up.
Second, we have done a Ch 7, seven years ago. I am scared that they might refuse to discharge our debts. Afraid they might view us as "foolish" with our money, since we didn't "learn" from the last BK experience. But that isn't true at all. Our debts are all from LIFE, not frivolous purchases. Not vacations and not a bunch of unneccessary furnishings or clothing, or any of that. We did eat out some on the CC's. But it is mostly groceries, or things for our baby. We had all our cards paid off, or we paid the balances every month, till she was born. Then we used the cards to help with her expenses. Her clothing, etc... But then my husband's company laid off over 100 people. And he was one of them. Then he tried working for himself, while he could find work. When that ran out, we did not make ONE purchase with any of the cards. Even after he got unemployment, we didn't try to use the cards. But we also had to stop making payments on the cards. It has been over 3 years now. And these things are accumulating and the collectors are finding us. We just got our credit reports and I have a judgement. I am just scared that the BK court will refuse us for allowing ourselves to get into this mess after a BK. But really... what are people thinking? Why would ANYONE do this on purpose? I know we never wanted to do it again, much less the first time. I hate that we were so naive, but we have DEFINITELY learned from the past 5 years. Nothing in life is permanent, especially your job..... So, my second question is Can they deny our BK and refuse to discharge our debts? On what grounds can that be done? And does that happen often to people in our type circumstances?
Sorry this was so long. Thanks to anyone for responding.
Fair enough.... :p
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