I've seen three lawyers in NJ where my home is. All three agree Ch 7 BK is the way to go. The first lawyer who lists "Stopping Foreclosure" as part of his service suggested that we answer the foreclosure summons, request loan docs, investigate for mistakes, which will stall the process...while the other two lawyers said it didn't matter if or when I answered the foreclosure summons,,,that the courts are so backlogged with these cases that i'm looking at a year or more before any real eviction could take place. My gut says to go with the 1st lawyer who wants $800 retainer (just for handling the foreclosure summons
), all 3 quoted approx a $1500 fee for my Ch 7 BK. Am I wasting my money?, the other two lawyers seem to think I can file motions or answer the complaint pro se.
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