Q: I need to file for bankruptcy and I can't afford a lawyer can I get help for free ?
I have credit card debt and I live on social security and I've gotten in over my head. Please give me some help.
A: That seems very straightforward. I am going to assume that you have exhausted your nonbankruptcy remedies. There are some very good non-profit agencies like crown financial ministries, or consumer credit counseling service, that can help you negotiate and adjust debts with your creditors outside of bankruptcy. Nevertheless, assuming your debts are far beyond what you could manage through budgeting and other resources, you may well wish to consider filing a Chapter 7 bankruptcy case. You are eligible if you earn less than the median income for your State, you have consumer debts, and you have not filed a bankruptcy case within the preceeding 8 years. There will be other considerations, if you own home, or have substantial equity in a residence. Most consumer bankruptcy attorneys will meet with you for free, so it is certainly worthwhile to schedule a consulation and assess your options.
A: Why are you so sure you cannot afford a lawyer?
Most lawyers will give you the first visit free and usually a payment arrangement can be met. Good Luck because it is not really a DIY project.
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