How much did you pay on the day of your ch7 file to your attorney?

[debtmonster]

My lawyer is charging me $1100 for a single filer, I'm sure it would be more for a couple filing like you and your wife.

What I don't get, is why your lawyers keeping hitting you up for more money, shouldn't it be a set price to hire them?

It was. The agreed on price was $2000 for $140,000 in unsecured debt (not including my foreclosure and cars.) After they checked my credit reports and data entried all of the long list of nearly 70 people I gave them, the total then came to $156,000. So he said he wanted another $500 for the extra paperwork.

My biggest concern is keeping a car for a long time with no payments so I can save up for a new one. I have found a ton of nice slightly used cars for under $10,000 in AutoTrader. By March of next year I will be able to buy a car for cash!! I am only thinking about financing to improve my credit score after the bankruptcy.

Maybe I can get the car for the 24.99% interest, put $10,000+ down or whatever and try to finance $7,500. Then I'll make payments for a few months and then pay the car off in full just so I can show re-established rebuilt credit. What do you think?

[pookieny]

How are all of you getting it done so cheap and I am sitting here paying $3,000 to this one lawyer alone? And he's not even done yet. I have a friend of mine that tells me, "You just wait. That money you gave is just a 'RETAINER'. He's going to nickel and dime you for much more throughout the case."

My lawyer is charging me $1100 for a single filer, I'm sure it would be more for a couple filing like you and your wife.

What I don't get, is why your lawyers keeping hitting you up for more money, shouldn't it be a set price to hire them?

[landofpoor]

ok, ohiofiler and debtmonster, keep a lid on it! maybe you should just PM each other...

i find the debtmonstor entertaining

[debtmonster]

Yeah, but some of the stuff that goes on with me, other people can learn about if they are wondering the same thing about their vehicles. That's why I don't like PMing. There are FLOODS of people who visit this web site each day that don't post messages.

This is a perfect test to see if one can truly keep a car for very long after filing BK. If the test fails, then we will all know that you will truly have to give back your car after the 341.

[music12]

ok, ohiofiler and debtmonster, keep a lid on it! maybe you should just PM each other...

[debtmonster]

He probably charges you another $3,000.

He told me that fighting to keep the car would be included in his existing fees and that there would be no additional charge.

[OhioFiler]

A friend who recommend him insists that is true.

What happens if I keep the car 6 months longer?

He probably charges you another $3,000.

[debtmonster]

Because your attorney is going to make it so you keep your car a month longer than the rest of us. Remember, you get what you pay for so I'm sure you have the best!

A friend who recommend him insists that is true.

What happens if I keep the car 6 months longer?

[OhioFiler]

How are all of you getting it done so cheap and I am sitting here paying $3,000 to this one lawyer alone? And he's not even done yet. I have a friend of mine that tells me, "You just wait. That money you gave is just a 'RETAINER'. He's going to nickel and dime you for much more throughout the case."

Because your attorney is going to make it so you keep your car a month longer than the rest of us. Remember, you get what you pay for so I'm sure you have the best!

[OhioFiler]

Everything is going to a Mailbox Etc.

Let them find it.

Unless you are living at a Mailbox Etc., you'll be listing your physical address on your petition.

[debtmonster]

How are all of you getting it done so cheap and I am sitting here paying $3,000 to this one lawyer alone? And he's not even done yet. I have a friend of mine that tells me, "You just wait. That money you gave is just a 'RETAINER'. He's going to nickel and dime you for much more throughout the case."

[mom2three09]

We paid it all up front ~ $1199 (which included filing fee but not CC). We're getting ready to amend our paperwork, which is going to cost us another $60 (adding more debt).

[music12]

They found you by using Lexis-Nexis. The database has every single bit of data about you. It also contains the names and phone numbers of your neighbors. If you don't believe me, tell them to send you a copy of your report, then you will be shocked by what they have on you.

hey techguy,
i have access to lexis nexis. where would you look? under people it only gives those who have their biography somewhere.

alternatively, how would you ask lexis nexis to give you a copy of their report?

[debtmonster]

They will most likely file for Relief of Stay so they can continue looking for your car. You will have to list your current address on your petition so they will know where you are hiding out. Since your debt for the car is secured there is no need for the bank to file an AP.

Everything is going to a Mailbox Etc.

Let them find it.

[techguy74]

Excuse my ignorance... What does "filing an AP against me" mean? What's an AP?

I spent an hour in traffic going to the lawyer's today. Right now my total expenses have been $3,050 to the new lawyer, plus the old lawyer that I fired cost me over $900. So now I'm almost $4,000 out of pocket for legal expenses to date.

I go back to the lawyer at the end of the month to finalize paperwork. After that, they told me that they will file a week or so after that. I can't wait to get the ball rolling!

I spoke with my mom today. She lives about 30 miles away or so. She has a different last name than me. I've never lived at her past 2 houses. Some how they got her new # and keep calling her asking about giving back my BMW. They have no idea where it is since all of my mail is forwarded to a PO Box. The bank had a collection agency call me, but I told them to go pound sand after I gave them my bankruptcy attorney's phone # and never heard a peep after them. The collection agency gave up and turned the account back to the bank and now the bank is fuming mad wanting the car back. Every month I keep it, it's losing value like a stone falling in a lake.

I got my new phone line from Viatalk.com today. This new phone is a total thing of beauty. Unlike the Google Voice (Grand Central) that I told you guys about a long time ago, I can block those calls that come in saying "UNKNOWN" or "ANONYMOUS" on the Caller ID. And the other cool thing is with Viatalk is that if I have a bill collector calling me, I can forward the calls based on the Caller ID. So now I can automatically forward all collection calls to my attorney! MY PHONE DOESN'T EVEN RING!!!!

You can port your old phone # to this. If you have broadband, this phone system is awesome. I like it much better than Vonage. Vonage was costing me $32/mo. $32/mo. = $384/yr. Viatalk is $189 + taxes (comes out to $265) and that's a one-time deal which gives you phone service for 2 whole years. So Viatalk ends up costing me $11/mo, which is about 1/3rd the cost of Vonage with a lot more features.

All of these collection agencies and telemarketers calling me every day with "UNKNOWN" on the Caller ID are now 100% HISTORY!!! I LOVE IT!!!

If you are tired of your phone ringing off the hook every single day, THIS NEW PHONE LINE will stop it immediately!!! And then you don't have to disconnect your phone # and tell all of your friends and relatives a new #.

They found you by using Lexis-Nexis. The database has every single bit of data about you. It also contains the names and phone numbers of your neighbors. If you don't believe me, tell them to send you a copy of your report, then you will be shocked by what they have on you.