bankruptcy fraud discharge

Does anyone here have filed for bankruptcy w / o an attorney? Looking for some direction please.?

I am considering filing without a lawyer. Situation is a Wage garnishment for a 11k ruling that credit card looks for. (I have this challenge has been trying for years to prove it is fraud but not yet clearly succeeded – Another story) Background: Single mother, head of the household, 2 kids, a student loan of 7k, a car loan, taken around 7500 in stock, not property, no assets, all my income to rent, household and child care. I'm not behind the car or student loan payments. I just can not afford wage garnishments and I think a bankruptcy is my only option to stop the seizure. Since this ruling 11k the only requirement is I need to unload in the BK, I think I can be able to manage this on your own, instead of hiring a lawyer, that I can not afford. Anyone with personal experience with this or with payment for a sevice that helps with paperwork?

I have to go to work with the customer through a bankruptcy and have found a lawyer to handle the best way to improve the situation. With the new Bankruptcy Reform Act, you may not be able to discharge debts under Chapter 7 if: is your gross income for the six months before the bankruptcy more as your state's median income, and either (a) your income minus allowable expenses over 60 months, more than $ 10,950, or (b) your income minus allowable expenses over 60 months is between $ 6,575 and $ 10,950 and more than 25% of your NONPRIORITY debt. So you see, this is already confusing. (Typical of government regulations.) You must so make sure your right to Chapter 7 before you file, because if you do not, you have to use Chapter 13 and pay off the debts over a four fifty-seven Years. Your living expenses are taken into account when determining how much the creditors are. The Reform Act changes the way most of these issues, determined including rent, food and clothing. It used to be decided by you and the court. The new law now uses IRS guidelines, which are generally to be very strictly are. If you want to contest the guidelines, you have to ask for a hearing before a judge. Another reason for a lawyer. have under the new Act To subject them now, at its expense, credit counseling from an approved nonprofit credit counseling agency before you file for bankruptcy. This can take up to three months, while the agency tries to work out a payment plan between you and your creditors. In addition, you will need to fill, even at your expense, a personal financial management education course before receiving a discharge. The new law also requires more disclosure. In addition to providing a list of creditors, lists the assets, liabilities, income and expenditure and a statement of the finances you have to offer now: Pay Stub's two months before the filing date. Tax returns for the previous and current years. Itemized monthly expenses. Other information. Photo ID to the trustees request. So you can see, this is not just some paperwork. The lawyer would be able to look at your situation and tell you whether bankruptcy should be considered. He may be able to look at the ruling and work something or let it completely eliminates take. Even if you hire an attorney, they have payment plans, and the cost is usually between $ 500 and $ 1,500 (a little more or less depending on where you live) is much less than trying to pay off the $ 11,000 you owe, if you can not get it unloaded. Here is a website with information above, starting as a pro bono lawyer, and how to find in your country. http://www.probono.net/. If you're fast a lawyer at your side, he may be able to Wage garnishment stop while he investigates the verdict. You see the problems you have been an attempt to prove fraud to the credit card company without a lawyer. A lawyer may have been able to have this clear a few years ago, or at least determined how much you really need to pay.

Illegal debt collection by MidFirst Bank/Midland Mortgage, 15 yrs. later

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