Sunday, July 3, 2011

Stop liens,judgements,garnishments file chapter 7,13 yourself!

My name is John,Two years ago I was 30,000 dollars in Debt. I had judgements,poor credit,and was about to face a large garnishment from my check. I had made a visit to a local Bankruptcy attorney for information regarding filing ch7 Bankruptcy. He quoted me a price of 1600.00 to handle the proceedings. Before I left his office,I made a deposit of 200.00 to secure his services. As I was leaving,he gave me a packet of papers to start filling out. It was information about all my creditors,and judgements. As I was driving home I was looking over all the paperwork I had to do.I thought isn't this his job to be doing the work? I was just overwhelmed and anxious to get the ch7 started,I couldn't afford to have money garnished from my pay. The next morning I woke up and a thought came to me,can I file Bankruptcy myself? So I went to my computer and searched,can a bankruptcy be filed without a lawyer? I was astounded with the answer. Yes ,its called filing Pro se. I began researching this Pro se. At first it was overwhelming,but I continued on. I learned that If you owned a home that was facing  foreclosure, it isn't a good idea without a lawyer. I just had a car loan,rented an apartment,and had a lot of debt. After more research I decided to go for it. Learning That after downloading forms from the internet,I had judgements stopped,garnishments halted. Phone calls from creditors would be halted in a matter of days. I could breathe again. After two months I went to the 341 hearing,also called meeting of creditors,my Bankruptcy was granted. So the answer is yes ,you can file a Bankruptcy without an attorney. Trust me,I have no legal training,and I was able to do this. At the 341 meeting,I was in front of the judge for 4 minutes,and he looked at me and said "someone did his homework". I am writing this Blog because I want everyone that is in debt,facing liens,garnishments and is getting harassed by creditors to know you can file a Bankruptcy ch7 which dismisses all of your debt,or a chapter 13,that puts you on a payment plan that helps you pay back the debt over time. Go ahead and do a chapter 7 means test,this will calculate if you qualify financially to file a ch7,or ch13. Do not be intimidated to explore this option! I filed Pro se in a NY Bankruptcy court,most states have different BK laws. Remember,after you do the means test which you can use the link at the top on my page and figure if you qualify for a ch7,or ch13 BK,you go file at the closest Bankruptcy court clerks office. You can file chapter 7 for 299.00,they will let you make installments. you can file even  before you start doing the work. The court will then give you a time line for the certain paper work to be done,filed. Find the court in the region that you reside.The clerks office I dealt with in NY were very helpful. Altogether filing myself cost me around 545.00 dollars,that was the 2 counseling sessions you are mandated to take,filing fees. Once you get your filing number,you call whoever is garnishing,or has a lien against you and they must stop,advise any creditor calling you that you  are in the process of a BK,and they must stop. After you file this is when your work starts. Get all three credit reports ,experian,trans union,equifax asap. This is where you are going to get all the information on creditors that you want discharged. I have a link to more info on where to download the different schedules,ie ,paperwork for the BK, and instructions on top of my blog. If you are in New York you go to which district court website and you can download the schedules for free. I actually hand wrote all my schedules. Before you file you need a pre-filing credit counseling certificate,the session costs about 100.00. I took mine online. I will be posting the rest of the process I went through soon. IF YOU HAVE ANY QUESTIONS  *** DISCLAIMER: I in no way shape or form acknowledge I have any legal training,and this information is for fictional purposes only. I am not responsible for any outcome from this information.***