Q: I am currently going through a debt management program, am I still able to declare bankruptcy
The program itself is working very slowly, but with our two kids who are in elementary school along with a cut in wages from work, make it hard to get by every paycheck. We are currently probably about 40 to 45 thousand in credit card debt and hospital bills. Was wanting to know the likelihood of being able to still declare bankruptcy, and if the lawyer would allow some sort of payment plan for this service if possible.
A: Participation in a debt management program is never a bar, in and of itself, to seeking debt relief in bankruptcy. Whether or not the attorney fees may be paid in installments depends upon the policies of the individual attorney that you hire to represent you. I personally offer payment plans, but cannot speak for any other attorney.
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