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Debt Relief – Insolvency – Bankruptcy Information » Bankruptcy Law » I am completely cluess and need to file bankruptcy what do I say when I call the attorney’s office?

I am completely cluess and need to file bankruptcy what do I say when I call the attorney’s office?

How do I even start the process? What exactly should I say on the phone when I call the attorney? Sorry for being so “duh”.

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4 Responses to "I am completely cluess and need to file bankruptcy what do I say when I call the attorney’s office?"

  1. cainvest1 says:
    You say “I need to set up an appointment to discuss the possibility of filing for bankruptcy with one of your attorneys.”
  2. floppsy says:
    If you call a bankruptcy attorney’s office to set up an appointment they will know why you are calling. Most people who file bankruptcy have no idea what they are getting into so you won’t be the first one they have dealt with. They will tell you what to bring to the first appointment.
  3. Professional in FL says:
    Why do you think you have to file for bankruptcy? Do you have unserviceable debt that is more than your annual income (unserviceable – means you cannot make the payments)? Did you know that government secured student loans & tax debts are not brankuptable? If you have assets (like equity in a home or car) in some states they will require that you sell all valuable assets in order to pay your debts.

    Be careful finding an attorney – it would really suck for your to be out $2500 and still have a pile of debt along with crappy credit that will follow you around for a lifetime. (Most job applications ask – have you EVER filed for bankruptcy).

  4. Leslie K says:
    You don’t need to “know” anything – that’s what the free initial appointment is for. So that the attorney can look at your information and help you determine which type of bankruptcy is right.

    In a Chapter 7 bankruptcy you can eliminate the debt entirely, but you have to meet some strict requirements. Income must be at or below a certain amount. Debt must be at a certain level, etc.

    In a Chapter 13 your debt gets consolidated and you are put on a 3 year payment program to make payments to the creditors. Once you’ve completed that it’s discharged.

    What you might want to do prior to going to the appointment is make a small list of your expenses.

    List all of your income sources. Be as honest as possible because the courts are going to look at the last 6 months of income and make an “average” of it, so you need to tell your attorney up front where all your income is coming from.

    List all your living expenses: Rent/Mortgage, insurance, groceries, church tithing, gasoline, cable bills, utilities, etc.

    List all your debts: Credit cards, car loans, home equity debts, student loans (you can’t declare them, but the monthly expense is part of your income/expense calculations), medical bills, etc.

    Also, go onto KBB.com and run a blue book on your car(s). They will want to know what they are worth.

    Having this information on a spreadsheet or written out will help the attorney to see a picture of what’s going on and help you to determine which type of bankruptcy you might qualify for.

    If you don’t have an attorney yet here’s a link to a bankruptcy attorney referral site. They will have an attorney in your area call you for a free consultation. If it appears you will qualify for a bankruptcy then you can begin the process and get going!

    http://www.1-800badcredit.com/Bankruptcy_Questions.html#Bankruptcy_Form

    Don’t feel bad about a bankruptcy. In this economy thousands of people are struggling. It’s no reflection on you as a person.

    Good luck to you!

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