newbie here

[turnitaround]

hi,
i'm glad i found this forum.

my accountant suggested that i consider ch 7. i had an initial consultation with an attorney that ran down income and debt questions and he said i would be a candidate.

i have a few questions for the group. (please forgive me, i'm sure they've been answered a thousand times but i haven't gotten quite acclimated.)

*i live in new york city and the attorney is going to charge me $2500 ($2M for him and $500 for the filing) any cheaper yet quality alternatives?
i've seen signs for $399 but small print says...doesn't include filing and typing fee.

*i'm actively seeking a six figure job...definitely trying to do a tapdance and time this out. what is the critical timepoint?

*since the job search is not going so well in nyc, i'm considering relocation. any pitfalls? or when can i get the all-clear sign to get the hell out of dodge and start a new life...if it comes to that.

thanks for your input!

[Minnymouth]

Welcome newbie,
If your case seems or is likely a "simple Chapter 7".... then you could file pro se to save money..... but only if you know what your doing.....

Relocating............... bad idea right before filing..... you have to have lived at the present residence (state) a certain period of time (can get complicated with this issue).....

Check out 2 or 3 lawyers and see what options are open to you....

Filing fees are usually the same nationwide, its the attorney fees that vary so much...... depending on where you live and the case you have....

[turnitaround]

thanks for responding. i'm looking into reloc AFTER to put the whole madness behind me and get a fresh start.

[Minnymouth]

Waiting to relocate is an excellent idea, also contact a couple of attorneys for a free consultation and see what options are open too you.....

Keep us posted.....

[turnitaround]

i've scheduled something with this attorney for tomorrow a.m. but i don't have all the paperwork he's asked for.

he wants:
Please bring, to the extent you have these items:

1. Either a list of creditors, with names, addresses, account numbers and amounts, or statements from which the information could be obtained.
2. Your credit report.
3. Copies of tax returns for the past three years.
4. Pay stubs for the past six months (December-May).
5. Copies of Bank statements (all accounts) for the past year.
6. You should have a general idea of your assets (accounts, collectibles) as well, although detail could be filled in later.

[anonymuse]

3. Copies of tax returns for the past three years.

I called the IRS and was able to have them fax me these tax return transcripts (this is not the actually copy of the return, but the electronic version they keep on file) within a couple of hours.

[turnitaround]

thanks

[anonymuse]

Make sure you have a few free consults--I had my 3rd/4th today and this guy was much better, a few blocks from the other, and $1500 dollars less. I like a lawyer in his work clothes and a modest office much more than the one in the "historic building" and his fancy suits.