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