Yesterday I went to see an attorney for free consultation, she said that I could file chapter 7, she told me that we have to wait until it has been 90 days since I used my credit cards, I used one of my cc to buy groceries a week ago but made a payment this week, it comes out of my checking accounting automatically. I haven't missed any payments yet, she told me if I could continue to pay until I filed but make sure I have taken care of all of my necessities first, her fees with filing fee included is $1499. She never asked me about my monthly expenses, which I thought she should have, I told her I have a car loan and credit card with a credit union and would it be a problem if there is a cross collateralization, she said no, that I would not be keeping the credit card and if they didn't want to negotiate then I could turn in my car and get a new one; I have a 2006 Kia, still owe over $17k, I have to give her $300 nonrefundable fee, and bring in 4 yrs of taxes and 6 months of paystubs.
Today I went to another attorney that I like better he took more time to explain everything, went over all of my expenses, his total fee is $1674 which includes pre and pos class you have to take and after the bankruptcy is discharged they go back and clean up your credit to make sure everything shows IIB, he told me to stop paying the cards and if I used one less than 90 ago when I file to buy gas or groceries it shouldn't be a big deal, I haven't received my stimulus yet so he said make sure to spend it but not on luxury items, he said I could call him if I thought of any other questions and I could retain him for $100, Once I pay the $1674 he could file.
I'm so ready to get this started and over with, I plan on using most of my stimulus as a down payment and maybe file no later than August, I forgot to ask him once I retain him and the creditors start calling can I tell them to call him?
Today I went to another attorney that I like better he took more time to explain everything, went over all of my expenses, his total fee is $1674 which includes pre and pos class you have to take and after the bankruptcy is discharged they go back and clean up your credit to make sure everything shows IIB, he told me to stop paying the cards and if I used one less than 90 ago when I file to buy gas or groceries it shouldn't be a big deal, I haven't received my stimulus yet so he said make sure to spend it but not on luxury items, he said I could call him if I thought of any other questions and I could retain him for $100, Once I pay the $1674 he could file.
I'm so ready to get this started and over with, I plan on using most of my stimulus as a down payment and maybe file no later than August, I forgot to ask him once I retain him and the creditors start calling can I tell them to call him?
Comment