First, I want to say that this community is great. I have been a watcher and reader of this forum for about 3 weeks now and I just barely signed up for an account. It's great to see so many people in support of one another.
I have been thinking about Bankruptcy for about a year now; have roughly $28,000 in unsecured debt and even though I have been on time with my payments, I am getting no where on paying them down. Plus, I am using 3 of my credit cards each month to pay for diapers (have 2 daughters) and gas for my car and mini-van.
For a few years, I was doing OK because I had the income from my job and I was making money from a few websites that I made and even some stuff I did no eBay, but back in October, I was banned from the affiliate company I was working with and eBay is over-saturated in the area I was selling in and could not make a profit. I also owe eBay quite a bit in fee's, but can't pay them because I do not have the money. Let's just say, my money making days on the internet are over for a while, until I find something a little more stable and learn more about doing business online.
After a lot of thought and consideration, I think I am going to contact a lawyer either Monday or Tuesday for a meeting. I know I am way under when it comes to the means test, which is good. I don't own a home and I am the only one bringing home a paycheck in my family. My wife stays at home with our 2 daughters.
I notice that there are a few Vermonters on this board and wondered who (if you can mention a name) you used as a lawyer in Vermont when filing for Chapter 7. In the phone book, there aren't a lot of Bankruptcy Lawyers listed and one I contacted a few weeks back through e-mail works out of Middlebury and I live in Burlington. I would like to find a lawyer in Burlington if possible, because the court house is in Burlington. I really don't want to have to travel to the Rutland court house if I go with the Middlebury lawyer.
I know of one Bankruptcy Lawyer in Burlington and he sounds reputable; doing them for 20+ years, but I don't know what he charges for a Chapter 7 case. I will know more when I call.
If you can mention names and don't mind sharing, I would appreciate it.
Looking forward to being an active member of the forum
I have been thinking about Bankruptcy for about a year now; have roughly $28,000 in unsecured debt and even though I have been on time with my payments, I am getting no where on paying them down. Plus, I am using 3 of my credit cards each month to pay for diapers (have 2 daughters) and gas for my car and mini-van.
For a few years, I was doing OK because I had the income from my job and I was making money from a few websites that I made and even some stuff I did no eBay, but back in October, I was banned from the affiliate company I was working with and eBay is over-saturated in the area I was selling in and could not make a profit. I also owe eBay quite a bit in fee's, but can't pay them because I do not have the money. Let's just say, my money making days on the internet are over for a while, until I find something a little more stable and learn more about doing business online.
After a lot of thought and consideration, I think I am going to contact a lawyer either Monday or Tuesday for a meeting. I know I am way under when it comes to the means test, which is good. I don't own a home and I am the only one bringing home a paycheck in my family. My wife stays at home with our 2 daughters.
I notice that there are a few Vermonters on this board and wondered who (if you can mention a name) you used as a lawyer in Vermont when filing for Chapter 7. In the phone book, there aren't a lot of Bankruptcy Lawyers listed and one I contacted a few weeks back through e-mail works out of Middlebury and I live in Burlington. I would like to find a lawyer in Burlington if possible, because the court house is in Burlington. I really don't want to have to travel to the Rutland court house if I go with the Middlebury lawyer.
I know of one Bankruptcy Lawyer in Burlington and he sounds reputable; doing them for 20+ years, but I don't know what he charges for a Chapter 7 case. I will know more when I call.
If you can mention names and don't mind sharing, I would appreciate it.
Looking forward to being an active member of the forum
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