Bankruptcy Lawyer San Diego
Q.18 months ago I accepted a job here in Kentucky and moved from San Diego. About 6 months ago I ran into some legal problems and due to the stipulations in my contract I was terminated from the company. Due to losing my job, I went from an income of about 50k to my retirement income (from the Military) of about 12k. Because of ongoing legal entanglements I have been unable to secure another job (and may not be able to until the legal problems are resolved). I currently owe about 30k of (mostly unsecured debt) and have been unable to keep up my payments. I had hoped (and still do) to get another job but have had no luck so far. My creditors are starting to send my accounts to collection agencies and I am getting near the end of my rope... I don't really want to but I may need to file for bankruptcy and was wondering what the exemptions of my property I could expect. (I went to a lawyers office and they said it would cost $200 for a consultation which I don't have). There is a Place here in town that will sell me a "bankruptcy information and filing packet" for about $50. In casual conversation with the receptionist at the law firm I was told I could exempt $1000 of personal property if I file chapter 7. Is there a list of the items or property amounts I can exempt under chapter 7 available somewhere? I looked at several places on the web and wasn't able to locate one. Again I hope to get on my feet as soon as my legal battle is settled but am at a loss as how to stay my creditors until then. I tried a consumer credit counseling service and was told my debts were too high and I should contact them when I had a job
A.That's another important factor I forgot to mention--your legal problems. What is the outcome of your "entanglements" likely to be? Some monetary judgments in civil suits are dischargeable in bankruptcy--but not all, by any means. So you might need to look at the US Bankruptcy Code website or some other website dealing with bankruptcy to determine if it is worth your while to wait to file Chapter 7 until after your "legal problems" are over. In addition to learning what is exempt, you also need to know what is dischargeable. If this is about child support or alimony--forget it. Bankruptcy is not going to be able to help you with that. Attorneys fees are dischargeable. (You still have to pay your bankruptcy lawyer, though, if you get one.) Disclaimer: I am not an attorney. For legal advice, it is best to consult one.
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