Sorry about starting a new topic for this but just curious of people's opinions on this. Talked to 2 BK attorneys today and they both kind of stated there was no reason to rush into filing Chapter 7. They both knew of my financial situation, unemployed, no assets(except for the car with some equity),"judgment proof",small bank account, have not used a credit card since Feb.. The 1st attorney stated there is no reason to answer the summons at all because they would get judgment anyway whether I denied or admitted to the debt. I'm judgment proof and they can only garnish wages, but I am actually starting work in 2 weeks - the job does not pay much though(they can take 25% in ohio).
The 2nd attorney said I should have him answer the summons for a fee of $200 and he would most likely be able to delay judgment for up to 9 months - sound likely?? Honestly, I thought that sounds like a good idea to delay it. Was he just trying to get some more money? He also stated they could take my car, although it was a very slim chance that they would. Talked to a good friend today and he said he can't understand why I would delay it - doesn't make any sense to him? He said you can't give me one good reason why you would delay it. Really didn't have a good answer for him except my car will be worth less next year? Also, why the different opinions between the attorneys?
The 2nd attorney said I should have him answer the summons for a fee of $200 and he would most likely be able to delay judgment for up to 9 months - sound likely?? Honestly, I thought that sounds like a good idea to delay it. Was he just trying to get some more money? He also stated they could take my car, although it was a very slim chance that they would. Talked to a good friend today and he said he can't understand why I would delay it - doesn't make any sense to him? He said you can't give me one good reason why you would delay it. Really didn't have a good answer for him except my car will be worth less next year? Also, why the different opinions between the attorneys?
Comment