Hi,
I retained a attorney in August, gave him a retaining fee, I then collected all the info I needed., I was not real thrilled with him when meeting him the first time., but I thought give him a chance. When I went back with my form he required all filled out., copies of all my charge statements for a year., my W-2's 1040's pay stubs etc., etc., I went to day he was the rudest , humiliating me individual, acted completely different than the first time., had figures wrong., couldn't even add right., unbelievable., so I fired him. Well I have an appointment for next friday with another., but he has me so upset., and is making me feel so downgraded., I know I owe 90,000.00 in credit card debt., I have been paying on time till August when they raised the interest rates and could no longer afford the minimum payment., I have know it would come to bankruptcy but I just kept trying to pay., and was doing okay at robbing peter to pay paul., MY income bring home is $2,800.00 a month my bills without the credit cards, just my every day expenses is $2,400.00 a month and that is a low average., I just can't pay them anymore., I was having to charge everything in order to pay them, as I had no money left., two years ago I lent people money with convenience checks., bought friends something they needed., made some real financial mistakes., I am so ashamed., I feel so bad right now., I have no recourse but to file for bankruptcy., He told me that the creditors would show up and question me terribly and the trustee would want to know how I expected to pay this amount and what exactly did I buy., I am so afraid now.
Please help.
I retained a attorney in August, gave him a retaining fee, I then collected all the info I needed., I was not real thrilled with him when meeting him the first time., but I thought give him a chance. When I went back with my form he required all filled out., copies of all my charge statements for a year., my W-2's 1040's pay stubs etc., etc., I went to day he was the rudest , humiliating me individual, acted completely different than the first time., had figures wrong., couldn't even add right., unbelievable., so I fired him. Well I have an appointment for next friday with another., but he has me so upset., and is making me feel so downgraded., I know I owe 90,000.00 in credit card debt., I have been paying on time till August when they raised the interest rates and could no longer afford the minimum payment., I have know it would come to bankruptcy but I just kept trying to pay., and was doing okay at robbing peter to pay paul., MY income bring home is $2,800.00 a month my bills without the credit cards, just my every day expenses is $2,400.00 a month and that is a low average., I just can't pay them anymore., I was having to charge everything in order to pay them, as I had no money left., two years ago I lent people money with convenience checks., bought friends something they needed., made some real financial mistakes., I am so ashamed., I feel so bad right now., I have no recourse but to file for bankruptcy., He told me that the creditors would show up and question me terribly and the trustee would want to know how I expected to pay this amount and what exactly did I buy., I am so afraid now.
Please help.
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