Why wait??

[gophermn]

Why does it take 60 - 90 days to file. If I give the attorney all my information and pay up front day 1, and the filing to the courts are done electronically - why does it take 60-90 days to file to the courts?

[PaKettle]

It doesn't. Is that what your attorney said?
My attorney said he could file one week after we paid him. We ended up waiting, for personal reasons, but a friend of mine used the same attorney and filed a week or two after he paid him the money.

One reason he is waiting MIGHT be that he is afraid you used a credit card in the 60-90 days before filing, and that might cause an objection to be filed from the creditor. However, IF you can be SURE you did not use a card 60-90 days before filing, and didn't take out any BIG balance transfers or cash advances 90-180 days before filing, then there is NO reason not to file immediately, as far as I can see.

But take this with a grain of salt, I am not an attorney nor do I play one on tv.

[monkatom]

did you stay at a holiday inn last night pakettle? Just kidding could not resist you're comment at the end there

[gophermn]

Interesting - I know a few of his questions were if I took out any cards or debt so you are correct, he might be waiting. I know they are filing up to 100/month so I am sure I am in a waiting pile.

All I can do is stay on them every week and pester them. Perhaps they will get tired of me and push it through (faster)..