Nevada, IA asked in Bankruptcy for Iowa

Q: I am 53 lost my job and was forced to use my credit card to pay bills and maxed out can I claim bankruptcy?

I let a man move in with me cause he had nothing. Found out that he is a registered sex offender and I had no idea! He also used my card and put lots of charges on it. I kicked him out after 4 yrs and somehow he found out that the card was maxed out he called them and took his name off of the "my" account. I don't have any money for an attorney or my bills yet but don't want to get stuck with a 14,000 bill to pay back. I almost never used my credit card until this man moved in. Then it seemed to be all the time. He didn't care cause he used all my savings to pay his big debts and now has great credit while I have none. I worked hard all my life to have something and he managed to use me to better himself and then on to the next woman. What do I do?

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1 Lawyer Answer
Andrew Bresalier
Andrew Bresalier
Answered
  • Plantation, FL

A: Q: Do i need to file bankruptcy? i hav 12000 in over due dept and just had my bank account frozen,

1 Answer | Asked in Bankruptcy Law for Iowa on Mar 17, 2013.

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I can not come up with the 3000 plus dollars the company wants to unfreeze my bank account, they will not work with me at all, i also have a consideral amount of court fines that i have been paying off, so i dont get in trouble with the law

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Answers (1)

Andrew Bresalier

Answered 18 Seconds Ago

Debt is not the only thing to look at when considering Bky. Income must be examined to confirm you pass the Means Test (income is compared to those in your community). You must also examine transfers/sales (court could reverse transfers or sales for less than market value) and exemptions (you could lose personal property such as a car). Most attorneys provide a free initial consult and discuss these matters, along with the best chapter for you. www.dont-sweat-the-debt.com

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