Bankruptcy Lawyer
Q.I recently enrolled in a "Debt Management" program, Careone, to be exact. In doing the math (i'm in excess of $35k in the hole in unsecured debt), and from reading some of the very helpfull posts here, I have come to realize that this is NOT going to work, and that bankruptcy is probably a better option. I am in the process of setting up a consoltation with a local lawyer. Several questions. (a) Will my enrollment in a Debt Management program hurt my chances of being able to file for bankruptcy? (b) What is the best type of bankruptcy for me to file? All of my debt is unsecured credit card debt. I do not own a home or have any assests other that my vehicle which is on a bank secured loan, which I DO want to keep. (c) Assuming I am elegible to file, how long approximately does the procedure take?
A.Does anyone find these (not the one you named in particular but non-bankruptcy credit counselling alternatives in general) work out for the debtor? May I ask why you think it may not going to work? Perhaps your experience will be instructive to participants and lurkers alike. a) Probably not. b)This is a threshhold question you and your attorney will work out based on, amongst other things, the extent of your non-exempt assets, the difference between your income and expenses, the magnitude (if any) of arrearages on secured stuff you want to keep, and more. c)Unexceptionable no asset 7s in my district run somewhere on the order of 4-5 months from filing to entry of the discharge order. Your attorney should be familiar with delays that prevail in your own district.
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