Q: If I get a pro bono attorney that can take my case of credit cards for no charge, can they stop the creditors quick?
As I said before I received a summons on Tuesday and have till June for court, can pro bono stop the other creditors or contact them that I'm filing bankruptcy because I have no funds to pay them. What really saying can they stop them right away or its gonna take months before they contact the creditors? I'm a senior and living off my fixed income I wish I could pay my cards off, was paying on time until last year in February I had water issues, water tank and well pump problems. That's what starting taking my extra money that was paying the cards, wasn't much but all I could pay. All I need is a break to breath I'm so stressed out please find an answer for me.
A: The creditors harassment will stop immediately upon filing the petition, regardless of who filed it for you.
A: Social security income is exempt from creditors, you just have to make sure to keep that money in a separate accounts from other types of income, if any. Technically, they cannot take that income to pay creditors, although sometimes they do in error and you would need to fight to get the money back. They can access other assets if you have any. Appearing in that state court action will only delay it, but won't really resolve anything. Creditors may get a judgment, although there may be nothing to collect. To rid yourself of the stress, you probably want to consider filing bankruptcy, it's the easiest solution.
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