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Hi, I need a bankruptcy attorney in Schuylkill County, Pennsylvania.
I signed my divorce about 2 years ago with no contest because we had a
verbal agreement that he would pay half the debt or half the cost of
bankruptcy, as just about everything was in my name.
Of course, I saw no money from him and he has all but vanished into thin air
with his new girlfriend.
After I left him (cheater that he was) I got in even more financial trouble
trying to make it on my own. I ended up with 2 repoed cars since then.
Overall my debt exceeds $50,000 right now.
So I get a phone call today that if I don't make a payment arrangement with
this one creditor they are going to sue me. Well, that is wonderful, I have
no job. I have 2 kids. First of all, this particular debt is insane because
it is from the apartment complex I lived in after I left my husband. I was
one month behind in rent and I got a letter saying I had to move out within
10 days, so I did. They charged me for the remainder of the lease, even
though they kicked me out, paint--which it was a state funded income based
complex so under the state rules they have to paint after each tenant moves
anyway, over $800 for carpet cleaning--give me a break. Its over $3000. My
son is on SSI and my daughter just a baby. I have depression, asthma, and
newly diagnosed endometriosis and just recently I finally got prescription
coverage to get those things under control.
The lady on the phone proceeds to tell me to get a job. Anyway, I told the
lady I have nothing to sue me for, no job, no assets.
My car is in about 100 pieces with no motor, it was wrecked last winter. My
boyfriend bought 2 old trucks for winter driving recently. We put them in my
name for our insurance purposes. In all reality I don't have a car at all. I
sold a Trans Am that was also in my name but was my boyfriends last summer
and the guy who bought it can't transfer the title because he is on house
arrest.
Anyway, I need to file bankruptcy. I can't let them make me sell my
boyfriends stuff to try to pay some of my debt. Not that the vehicles are
worth much, all 4 including my wrecked car and the Trans Am I don't even
have are worth about $5,000....if that much. Like I said, I have no job and
right now no money. It is all we can do to pay the bills month to month on
my boyfriends income. Legal Assistance won't help me because they say my
boyfriend makes too much money. Every attorney I talked to around here is
between $650 and $1100 to file and they won't even talk to ya until the fees
are paid.
I don't know what to do. I need to file but it is too expensive. My ex hubby
gets off scot free and he ran up alot of the debt. Cash advances for his
poker habit....gold necklaces....new clothes....PLEASE HELP!
Are there any attorneys out there that would file for me for minimal up
front and monthly payments until February-March at income tax time BEFORE I
get sued and lose what little I have, including my sanity.
I was told my legal services to call some attorneys and discuss Pro Bono
that would be refunded my the state or something. None of the attorneys I
talked to would hear anything of it. Thanks in advance.
IN DESPERATE NEED OF HELP
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In article <4f0buv00d5n8e4m8uit4ooc4hi4r26g1a3@4ax.com>, Ronni
<ronniNOSPAM@pa.net> wrote:
Hi, I need a bankruptcy attorney in Schuylkill County, Pennsylvania.
IN DESPERATE NEED OF HELP
To be honest, given the large number of mistakes that you have made,
you are potentially beyond help in this case. Due to the large number
of "messes" that you describe, it would probably be best to just
disappear, go somewhere else, and start over from new.
Bankruptcy is a tool that you use to solve a problem. In your
case, the problem is too little income. Filing for bankruptcy is
not going to increase your income. If you file, you will get rid
of many of your debts, but it will not straighten out your divorce
or fix all the car title problems. You will still have all of these
problems, get behind once again, and then be in a real fix due to
not being able to file bankruptcy once again for 7 more years.
You have to fix the income problem before bankruptcy becomes a
useful tool.
You do need to get legal advice here. In my opinion, however, I
think I would let the creditor sue you, get the judgement, and
then do nothing. They cannot take stuff that you don't have, and
they cannot garnish income you don't earn. There isn't anything
for them to take. String them along until you get your income
problem solved, then do the bankruptcy thing and wipe out as
much as you can.
-john-
--
====================================================================
John A. Weeks III 952-432-2708 john@johnweeks.com
Newave Communications http://www.johnweeks.com
====================================================================
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Subject: PA Bankruptcy Attorney
From: "Ronni" ronniNOSPAM@pa.net
Date: 12/21/2003 3:22 AM Pacific Standard Time
Message-id: <4f0buv00d5n8e4m8uit4ooc4hi4r26g1a3@4ax.com>
Hi, I need a bankruptcy attorney in Schuylkill County, Pennsylvania.
If you are looking for a free bankruptcy attorney, I doubt you are going to
have much luck.
I signed my divorce about 2 years ago with no contest because we had a
verbal agreement that he would pay half the debt or half the cost of
bankruptcy, as just about everything was in my name.
As long as you keep putting everything "in your name" (as you still seem to do)
then that is who the debt is always going to belong to--you--and not your
current husband or boyfriend. While it is always best to have an attorney
represent you in bankruptcy, you can do it on your own as long as you can pay
the filing fee, which is a couple of hundred dollars or so. Chapter 7 probably
is the way to go in your case. Go to a store that sells office supplies. They
have bankruptcy kits there for about $11.00 complete with schedules to fill out
and instructions. These can be used in any bankruptcy court and it doesn't
take a rocket scientist to figure them out.
Of course, I saw no money from him
And you will never see any money from any guy for any debt as long as you keep
putting things in your name only. What about your kids? Their father owes
them support. Or did you sign away your rights to any of that, too, in your
divorce papers?
However, I don't know whether it is ever too late to collect child support, so
maybe after you finish your bankruptcy you can concentrate on that issue.
Overall my debt exceeds $50,000 right now.
So I get a phone call today that if I don't make a payment arrangement with
this one creditor they are going to sue me. Well, that is wonderful, I have
no job. I have 2 kids.
(snip)
No matter how absurd the landlord's demands seem to you, it you file bankruptcy
it won't matter. Whatever they think you owe them is dischargeable in
bankruptcy. Even if the former landlord does sue you and gets a default
judgment (because you didn't contest), the judgment will still be dischargeable
if you list it as a debt on your bankruptcy schedules. Once you notify the
landlord (because you have listed him as a creditor for whatever he thinks you
owe him on the schedules--it doesn't matter if you agree with the amount or
not)--the bankruptcy court will notify him and after that he will not be able
to sue you because no legal proceedings can be initiated or continued against
someone in bankruptcy.
son is on SSI
He will get to keep it. Even if you, yourself, were on SSI, bankruptcy would
have no effect on that.
The lady on the phone proceeds to tell me to get a job. Anyway, I told the
lady I have nothing to sue me for, no job, no assets.
Of course she wants you to get a job because then you will no longer be
"judgment-proof", as you seem to be right now. If you decide to file Chapter 7
bankruptcy, you don't have to talk to her any longer and can just hang up when
she calls. Hell, you can hang up on her anytime!
My car is in about 100 pieces with no motor, it was wrecked last winter. My
boyfriend bought 2 old trucks for winter driving recently. We put them in my
name for our insurance purposes. In all reality I don't have a car at all.
If the titles to the trucks are in your name--then you have two old trucks. In
Pennysylvania, you claim claim either the state or federal exemptions. The
exemptions mean property you can keep in bankruptcy. Since the Penn exemptions
are not very good, you should probably claim the federal ones on your
schedules. The Penn exemptions don't even mention anything about a motor
vehicle, but the federal exemptions say you can keep a car worth up to $2,400.
Otherwise, under the federal exemptions you can keep just about everything you
already own (personal property) if it doesn't have too much value.
I sold a Trans Am that was also in my name but was my boyfriends last summer
and the guy who bought it can't transfer the title because he is on house
arrest.
Can you prove you sold the car? If not, then legally it still belongs to you,
I suppose. There must be some way this guy can transfer the title. Probably,
he just doesn't want to and "prefers" it to be in your name--just like all of
the guys that you deal with. I don't know too much about this car business, so
perhaps someone else here can help you with that.
Anyway, I need to file bankruptcy. I can't let them make me sell my
boyfriends stuff to try to pay some of my debt. Not that the vehicles are
worth much, all 4 including my wrecked car and the Trans Am I don't even
have are worth about $5,000...
You have the burden of a very large debt hanging over your head. You are about
to be sued by at least one creditor--and you are worried about your boyfriends
stuff--which is probably in your name anyway??? Wise up. No one can take away
anything from him that his legally his because he will not be the one in
bankruptcy. If all four vehicles (or however many there are) are in your name,
then you will have to list them among your assets and the bankruptcy trustee
will decide what to do about them. It's too late to transfer any of the
vehicles to your boyfriend now because the bankrupcy schedules ask if any
property has recently been transferred and it is very important to be honest in
bankruptcy because, if you aren't, it might be denied. In the future, do
yourself a favor. DON'T PUT ANYTHING IN YOUR NAME UNLESS IT IS FOR YOUR OWN
PERSONAL USE. DON'T ALLOW ANY MAN TO USE YOUR CREDIT CARD UNLESS IT IS IN HIS
NAME, TOO. Have the above words tattooed on your anatomy someone so that you
will never forget them. Otherwise, you are going to get used, again.
.if that much. Like I said, I have no job and
right now no money. It is all we can do to pay the bills month to month on
my boyfriends income. Legal Assistance won't help me because they say my
boyfriend makes too much money. Every attorney I talked to around here is
between $650 and $1100 to file and they won't even talk to ya until the fees
are paid.
I don't know what to do. I need to file but it is too expensive. My ex hubby
gets off scot free and he ran up alot of the debt. Cash advances for his
poker habit....gold necklaces....new clothes....PLEASE HELP!
It's your own fault your ex got off scot free so chalk that up to experience.
Disclaimer: I am not an attorney. This is for discussion purposes only and
should not be construed as legal advice. For legal advice, it is best to
consult an attorney.
"THE EXODUS CHRONICLES: Beliefs, Legends & Rumors from Antiquity Regarding the
Exodus of the Jews from Egypt" by Marianne Luban
You'll never think about the Biblical Book of Exodus in the same way again!
http://www.geo
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