Getting confused? Please help!

[jwsmartin]

I have been in the bk process now for over 18 months. We were getting ready to sign last September, but my job relocated me to a different state. My lawyer has been trying to get rid of me since then (apparently I am a case he doesn't want to deal with). As of today, I still have not filed. All credit cards show "charged off" on our credit reports, with dates it will be removed. We have a home back in Missouri, but we haven't paid on it in 4 months. We cannot afford the rent in Oklahoma along with the home, so we decided to include it in bk. My ex-lawyer says that we are above the state mean, and that since we aren't keeping the home, we wouldn't qualify for a ch 7 since our bills wouldn't be enough. They were with the home previously before the move. I have 3 questions.

1 - Are the CC companies going to go after me for the amounts I owe, or since it says charge off, does that mean they are done with me?

2 - What should I do about the house? Call the lenders? Put it up for sale?

3 - Should I even get another lawyer, or try to do it on my own?

Thanks for your time!

[Minnymouth]

Since you have moved from one state to another you need to contact a lawyer in your area to handle things for you. Laws vary from state to state.

Since you had NOT FILED YET had you given the attorney in Missouri a retainer?
If not, he is not obligated to you in any way for anything.....
Regarding the house issue...... if you have not made a payment in 4 months they are probably already starting foreclosure proceedings on that property.....

You definetely need to contact a attorney in your area.... and see what options are open too you...