Re: Filing Bankruptcy

The only way to determine if bankruptcy is your best option is to have a consultation and go over your entire situation. If you would like to schedule a free phone consultation, please visit my webpage at http://www.bklaw.com/consult/ and once you have completed the 4 short preparation steps there, please contact me to schedule an appointment. I will be happy to assist.

Re: Filing Bankruptcy

Very insightful, the only way to deal with it is through bankruptcy court. 18 years experience helping debtors, call me directly at 6192223504.

Re: Filing Bankruptcy

I'm in San Francisco now, but continue to work with clients in Southern California. I also am an ARAG attorney -- the prepaid legal plan that many UCLA employees have. Feel free to call or e-mail for a free consultation. One of the concerns is your income versus your monthly expenses without the revolving debt. Please be prepared to discuss that if you should speak with an attorney. Good luck.

Re: Filing Bankruptcy

Your question is whether or not it is your best option to hire an attorney to do your bankruptcy. I have found that it is usually in a person's best interest to hire an attorney to represent him or her in a bankruptcy proceeding. Non-attorney petition preparers may save money in the short run, but cannot give legal advice and often do not understand the paperwork that they prepare. I have often seen a debtor at a creditors' meeting that have a blank Schedule C. The Schedule C is the portion of the bankruptcy petition that informs the trustee of what assets a debtor claims as an exemption, that is, what he or she gets to keep. The trustee is under no obligation to inform the debtor of his or her rights under the law, and more often than not, will proceed to take any of the debtor's assets that have not been claimed as exempt. I would strongly urge you to retain an attorney to represent you in a bankruptcy proceeding. The new laws are a minefield for the un-informed and inexperienced.