have 2 BK questions...

[dscurlock]

first of all, has anyone used easy backruptcy services, I have went as far as to signup and complete all the documents
to be filed, I was just wondering if anyone has actually
used this to submit their BK to the courthouse?


I have question number 2:
I do have a govt school loan, I know that can not be
discharged, but the school also loaned me money
to help out, and I was supposed to pay $100/mo for that
I was wondering if the Student School Loan can be filed on BK?
the govt loan is sperate and will pay $50/mo on that.

Thanks for your help.

[lrprn]

Please see the answers I posted on the similar questions that you asked on an older thread earlier today.

first of all, has anyone used easy backruptcy services, I have went as far as to signup and complete all the documents
to be filed, I was just wondering if anyone has actually
used this to submit their BK to the courthouse?

I have question number 2:
I do have a govt school loan, I know that can not be
discharged, but the school also loaned me money
to help out, and I was supposed to pay $100/mo for that
I was wondering if the Student School Loan can be filed on BK?
the govt loan is sperate and will pay $50/mo on that.

Thanks for your help.

[dscurlock]

hi

Please see the answers I posted on the similar questions that you asked on an older thread earlier today.

so far Ive been unable to find the post, I think
someone has moved or deleted the post.

[lrprn]

so far Ive been unable to find the post, I think
someone has moved or deleted the post.

It's on the Should I Hire an Attorney thread - here's what I posted:

My answers in red below....
**********************************
Your original Quote:
Originally Posted by dscurlock
Im doing mine myself, I have this bk online site which seems legit, and
you enter your info, and afterwards, you print your documents for filing.

I was also going to ask if anyone has ever used this site, and
was you successful on filing to the court?

http://212.179.36.21/easybkdocs/index.asp

I haven't - we filed with a lawyer. If your income is below your state's median income, you don't have complicated assets or liens already in place, and you have a very uncomplicated Ch 7 case to file, then it MIGHT be ok to try this kind of approach. I would rather see you get the Nolo book on how to file Ch 7 - http://www.nolo.com/product.cfm/Obje...Chapter/2/213/ - at least this way you will know how to interpret each part of the forms correctly and it's written specifically for the new bk laws.

They do have a time limit for your account, make sure everything
is filled out correctly, you will have to pay a small amount
when your account expires, in case you need to get back in.

2nd question.

I have a gov't loan, and a private school loan for my school...
I know the gov't loan can not be discharged under BK, but
how about the private school loan, can that be discharged.

Hard to say. When the new bk law passed last October, it made discharging private student loans much harder. See http://www.finaid.org/questions/bankruptcy.phtml - scroll down to the Discharging Student Loans Through Bankruptcy section. Finaid does a great job explaining all the many variables around bk and student loans.

********************

Hope this helps! Keep us posted on what you decide to do and good luck!

[dscurlock]

getting a attorney

It's on the Should I Hire an Attorney thread - here's what I posted:

My answers in red below....
**********************************
Your original Quote:
Originally Posted by dscurlock
Im doing mine myself, I have this bk online site which seems legit, and
you enter your info, and afterwards, you print your documents for filing.

I was also going to ask if anyone has ever used this site, and
was you successful on filing to the court?

http://212.179.36.21/easybkdocs/index.asp

I haven't - we filed with a lawyer. If your income is below your state's median income, you don't have complicated assets or liens already in place, and you have a very uncomplicated Ch 7 case to file, then it MIGHT be ok to try this kind of approach. I would rather see you get the Nolo book on how to file Ch 7 - http://www.nolo.com/product.cfm/Obje...Chapter/2/213/ - at least this way you will know how to interpret each part of the forms correctly and it's written specifically for the new bk laws.

They do have a time limit for your account, make sure everything
is filled out correctly, you will have to pay a small amount
when your account expires, in case you need to get back in.

2nd question.

I have a gov't loan, and a private school loan for my school...
I know the gov't loan can not be discharged under BK, but
how about the private school loan, can that be discharged.

Hard to say. When the new bk law passed last October, it made discharging private student loans much harder. See http://www.finaid.org/questions/bankruptcy.phtml - scroll down to the Discharging Student Loans Through Bankruptcy section. Finaid does a great job explaining all the many variables around bk and student loans.

********************

Hope this helps! Keep us posted on what you decide to do and good luck!

maybe i should get an attorney.. i did leave something out, and i do not want to screw it up...the thing i left out is that I am married, $100,000 of the debt is in my name only, my wife earns the $$$ around 57k/yr and the house loan is signed by her, im only on the house because we are married...do you think this is going to be a big deal?

another problem is, that I may be moving out of state soon, can the attorney fill in at the creditors meeting, or must I be there?

Thank-You

[monlyba]

only part i can answer is that you have to be at the 341 meeting.