Does this seem like OVERKILL from my lawyer???

[LDL]

That is a very good point LRPRN!

For those reading this thread, everyone needs to keep that fact in mind, that the PreBK course that they choose must be approved by their particular state! In my case, I was hoping to get a general consensus from posters on this forum on price and quality of their services, plus the ease of getting the certificate and then check the businesses with the most posters' accolades against my state's list to pick whom I'd end up using .

As it is, there is only ONE approved Counseling place that is physically in my area, but they also do debt consolidation and I was afraid that they would try to push me in that direction so that they would make more money . Plus they charge $50 bucks and I knew I could go somewheres else for less .

Here it is - http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm . Select your state from the Approved Agencies by State drop-down list.

Be absolutely certain that the pre-filing course you take is one approved by your state. If you are filing with a lawyer, then ask him/her which agency they recommend.

And please don't assume that because another filer here posts a link to the course they took, that it's ok for you to take that same course too. It might be, or it might not be. You don't want to take a course that isn't approved by your state - not only is it a complete waste of money, it can get your filing dismissed as well.

[debtmonster]

And please don't assume that because another filer here posts a link to the course they took, that it's ok for you to take that same course too. It might be, or it might not be. You don't want to take a course that isn't approved by your state - not only is it a complete waste of money, it can get your filing dismissed as well.

While you do have a point, there was absolutely nothing on that web site saying that course was specific to Florida. I was only trying to save somebody money because I've gotten offers in the mail right after I filed where the prices were basically for the same course and 3x the price of the one I took that my attorney recommended for me.

[debtmonster]

According to your other posts, WHAT TAXES?

what do you mean "WHAT TAXES?"

What do you think I do when I make over $50,000 per year? Do I just tell the IRS to get bent? I have to pay like 12% of that in taxes.

[lrprn]

Now if I could just find that link to all the online BK approved counseling classes...

Here it is - http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm . Select your state from the Approved Agencies by State drop-down list.

Be absolutely certain that the pre-filing course you take is one approved by your state. If you are filing with a lawyer, then ask him/her which agency they recommend.

And please don't assume that because another filer here posts a link to the course they took, that it's ok for you to take that same course too. It might be, or it might not be. You don't want to take a course that isn't approved by your state - not only is it a complete waste of money, it can get your filing dismissed as well.

[hereforinfo]

That's a buzz kill. So what's happening with all of these taxes I am paying each year then?

According to your other posts, WHAT TAXES?

[debtmonster]

Now if I could just find that link to all the online BK approved counseling classes or the posts where everyone tells who they used and how much they cost ?????

http://www.personalfinanceeducation.com/

Pretty cheap. I had some other offer in the mail for $70 bucks for a married couple. I am thinking of writing them back telling them to go pound sand after seeing the one in the URL here. My attorney gave me the URL above.

[debtmonster]

"Your Social Security retirement benefit is based on your 35 highest earning years. Although you only need ten years of credits to be eligible, you should try to get credits for all 35 years."

They use an average of those 35 years. One year of making more money is not going to do much for you if the rest of the years are low.

That's a buzz kill. So what's happening with all of these taxes I am paying each year then?

[hereforinfo]

You are supposed to be paid based on you top 3 years of working. In my top years of working I peaked at $80,000 per year. I got some paper from the Social Security Admin saying that if I manage to live to like 67 years old and not die from diabetes, a stroke, a heart attack or alcohol poisoning before then, I may be able to collect like $1,500-1,700/mo. or something close.

So if I can manage to make like $3,000+ per month from some MLM in the future when I become like 60 years old, plus that SS income, then maybe I could live comfortable sitting in some place like Costa Rica, Argentina, Brazil or Peru. Are you down with that? I'll have to give up the fancy cars like here in the US, but so be it.

"Your Social Security retirement benefit is based on your 35 highest earning years. Although you only need ten years of credits to be eligible, you should try to get credits for all 35 years."

They use an average of those 35 years. One year of making more money is not going to do much for you if the rest of the years are low.

[tinfoilhat]

he is only just now getting into BK's.

Strike one.

It's now been 4 days and he has not gotten back to me.

Strike 2.

I'm thinking that he's asking for all of this due to the fact he's NEW to this area of law?!

Strike 3.

I'm also somewhat leary of a 'newbie' to practicing BK law.

Strike 4.

Each lawyer that I spoke to seemed to contradict one another and this new lawyer just seemed to match my personality.

Stike 5. Partially on your part, you're not looking for a friend you're looking for someone to handle a legal matter.

I know that a bunch of posters on here were discussing what online course they took and how much it cost, and I just couldn't find it for the heck of me

Strike 6. He should provide you with that info.

Please note, the above is directed to the lawyer, not the OP of this thread.

Below is directed to the poster of this thread. Read what you wrote, what I've quoted. I'd run.

And FWIW I'm an idiot who paid $300 to retain one lawyer, hired another for $1500 NO REFUNDS, then fired him.

Every lawyer is going to contradict the other BTW.

My advice going off this thread is find someone else. Ignore me or consider it. Your decision doesn't cost me anything so do what you want to do.

[tinfoilhat]

Read the facts Tinfoilhat. LDL hasn't even met this Attorney, just talked on the phone with him several times. LDL was reading the Attorney's website of information requested to file a Bk Case.

He can't fire an Attorney he hasn't even hired yet

Did I say fire him?

I said find a different attorney. I'm not the internet police and if he doesn't listen I'm not going to hunt him down and arrest him.

Thats my opinion, g*****n it doesn't matter what age people are they never recognize an opinion.

opinion, sentiment, persuasion, view, thought (a personal belief or judgment that is not founded on proof or certainty) "my opinion differs from yours"; "I am not of your persuasion"; "what are your thoughts on Haiti?"

[debtmonster]

No No Don't do that! You are definitely the Debtmonster

You do realize when you become of age to receive Social Security, your monthly amount will be less than a W-2 wage earner as a sole proprietorship's Social Security taxes paid through a yearly tax return is based on Net Income from Schedule C up to $150,000 in income (which I don't believe you will be making).

Luci

You are supposed to be paid based on you top 3 years of working. In my top years of working I peaked at $80,000 per year. I got some paper from the Social Security Admin saying that if I manage to live to like 67 years old and not die from diabetes, a stroke, a heart attack or alcohol poisoning before then, I may be able to collect like $1,500-1,700/mo. or something close.

So if I can manage to make like $3,000+ per month from some MLM in the future when I become like 60 years old, plus that SS income, then maybe I could live comfortable sitting in some place like Costa Rica, Argentina, Brazil or Peru. Are you down with that? I'll have to give up the fancy cars like here in the US, but so be it.

[LuciluS]

I know, but that's not always my intentions. I guess I should change my username from debtmonster to mr.unorthadox.

No No Don't do that! You are definitely the Debtmonster

You do realize when you become of age to receive Social Security, your monthly amount will be less than a W-2 wage earner as a sole proprietorship's Social Security taxes paid through a yearly tax return is based on Net Income from Schedule C up to $150,000 in income (which I don't believe you will be making).

Luci

[LuciluS]

People hate me because I speak my mind sometimes, you're about to become one of them.

Find a different lawyer, this guy seems clueless from the info you provided.
He should have provided you with this also.

My first course was paid by my lawyer and was through consumer credit counseling. http://www.cccsatl.org/index.jsp
Second course I paid for here: http://www.solidstartfinancial.com/

Read the facts Tinfoilhat. LDL hasn't even met this Attorney, just talked on the phone with him several times. LDL was reading the Attorney's website of information requested to file a Bk Case.

He can't fire an Attorney he hasn't even hired yet

[debtmonster]

You spark debate and are funny. Thumbs up.

I know, but that's not always my intentions. I guess I should change my username from debtmonster to mr.unorthadox.

[bkmaggster]

Virtually EVERYONE hates me because I speak my mind. I don't care what other people think anymore. I have become numb to other people's opinions about my comments. In 90 days we will find out if I am right or wrong all this time in regards to my advice on here.

You spark debate and are funny. Thumbs up.