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please pro bono only
answered on Mar 7, 2020
Check with your local bar association or legal aid society. They maintain lists of lawyers who are pro bono or reduced fee.
I want to keep my apartment but but landlord isn’t willing to work with me to avoid eviction. Can I tell them I’m going to file bankruptcy to get them to work with me
answered on Mar 5, 2020
You can tell them anything you want. Getting them to work with you is a different story.
I found a cheaper lawyer and was just curious if I could use the cheaper one instead. All this lawyer did for me so far was give me a FREE consultation so he hasn't worked on my case at all.
answered on Feb 27, 2020
It fine not bind you going forward. You can use any attorney you choose. However, you are obligated to pay the first attorney under that contract for and services he has performed up until you advise him you are changing lawyers.
I'm 3 months past due. Was making single payments in the last two months. CENLAR did not apply my payments to my mortgage. I found out 3 days ago.
I need to save my: 1) home, 2). car 3) furnishings 4) pay off credit cards and other debt
Monthly Net Income is $2700. Mortgage... View More 
answered on Feb 22, 2020
You can likely save those things by filing bankruptcy, but you need to contact your local bar association or legal aid society. They maintain a list of pro bono or reduced fee atttitneys.
On 01-11-2020, I signed the contract with the owner, and the closing date is 02-14-2020. After the house is closed, someone send me a notice on 02-16-2020 that the property had been foreclosed on 02-04-2020, and their deed is recorded on 02-11-2020. Nobody sent me any notice before the closing... View More
answered on Feb 22, 2020
The owners title police will protect you, although it will likely take a while to sort it out legally.
It my brother that a cosigner and I dont want his credit to be tarnished so if I do a chapter 7 or 13 will it affect his credit in anyway if I continue paying on the home?
answered on Feb 24, 2020
It will not affect your brother at all so long as you keep paying the debt.
answered on Feb 8, 2020
Not as long as it is true, accurate and complete unless the trustee specifically requests a signed copy.
mortgage , car payment utility bills , loans we have more money going out than coming in'
answered on Jan 31, 2020
Yes you two may be candidates for chapter 13. You should meet with an experienced bankruptcy lawyer in your area and have a frank discussion about your situation.
When listing creditors there are boxes for "contingent" & "unliquidated". How does this apply to credit card debt? What is the exemption statute for "cash on hand"?
answered on Jan 27, 2020
Most all credit cards with be non-contingent and liquidated, so those probably don’t impact you. The wildcard exemption statute and amount depends on whether you’re using Tx state exemptions or federal exemptions.
I am living on ramen, bypassing medical, letting people go, in order to keep that place open. I was told by someone that I should file for bancruptcy because would be same initial hit to my credit score if I did debt consolidation/settlement....but if they take and sell my mechanic shop's... View More
answered on Jan 24, 2020
Depends on the fair market value of your tools and equipment and your state or federal exemptions. You should consult a competent bankruptcy lawyer who can examine your complete financial situation.
answered on Jan 23, 2020
Yes you can amend and add a creditor better to do so as soon as possible. It's necessary to do new declaration statements, etc. though so you should carefully review all the steps. This is a general forum and not meant to give specific details. You're better off paying an attorney a... View More
I've been reading that you may have to file bank statements, tax returns, etc. I was only told that I needed to file the 60 days of pay statements for my wife and I with the petition and so I did.
answered on Jan 17, 2020
It varies from district to district. If they require more, they will let you know.
I know reaffirmation makes you responsible for the debt. However, if it helps build credit quicker it might be worth it.
answered on Jan 6, 2020
If you’re not upside down on the car, you should probably reaffirm bc it will help the credit. However, if you owe. Lot more than the car is worth, you probably should not rraffirm bc it’s not that valuable if you’re upside down. There are other ways to build your credit.
This is the lawyer that represents one of the credit unions that I had a loan through.
answered on Dec 18, 2019
If they have a different address you can send notice to them; however, they are not the creditor.
I enrolled in a debt relief program and advised me to stop paying the credit card that I transferred to this program. I have not missed a payment since I enrolled and I am in good standing. Now, one of the cards is suing me for not paying and the debt relief program said that they can not give... View More
answered on Dec 10, 2019
A debt relief program does not mean the creditor has to stop collection activity on you. I suggest you speak to a debtor's attorney regarding your options as soon as possible.
The mortgage raised my payments, and I can't make them, I don't want to lose my home
answered on Dec 6, 2019
Hello - I answered this question already in another section.
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