POLL: Should I File My BK Pro-Se?

[FilingOnMyOwn]

If you have possessions that you are wanting to keep after filing, use an attorney.

Noone can emphasize that enough.

[StopNAF]

I tried option 3 for a long time and now I'm finding that I'm paying more than I owe and I will be out of debt in 40 years. No thanks! I got an attorney and learned my lesson and I will use cash from this day forth.

I do not have experience with Pro se and I do not have the time or a prozac supply large enough to file pro se either.

Really though....My job is very demanding and requires much of my time. For me it is worth it to hire an attorney and stay involved, but let them handle dotting the I's and crossing the T's. This way my job performance does not suffer as a result.


I'm happy with my attorney, who is a BK specialist....expensive, but worth it!

[Lightning]

If you hadn't borrowed so much, you would have been able to repay it. You should have lived on what you earned.

[StopNAF]

Are you a credit card crusader?

You are 100% correct you should try to live within your means and repay your debt. However, there are situations and circumstances that occur, which cause some people to live outside their means in order to survive.

[edwards2]

[email protected] well put...especially the part about the moral high ground...as for my husband and I we made the right decision hiring an attorney. Our case was not open and shut. We had high medical bills and several expenses we had to substantiate in our 2004 Exam. While our lawyer didnt say much in the meeting just knowing he was there I believe made a difference in our winning our case.

[FoolAndHisMoney]

If you hadn't borrowed so much, you would have been able to repay it. You should have lived on what you earned.

Lightning, I wouldn't be enjoying a Hershey bar while watching Larry King if everyone lived like you. Hell I wouldn't even be able to see Wayne Newton in Vegas either!

http://www.debtrelieflegalcenters.com/celebritydebtors.htm

[Lightning]

Unfortunately I haven't seen many examples here of people planning for financial shortfalls. Instead, I read many stories of people who pulled out their credit cards rather than cut the unnecessary expenses.

Cell phones, cable, satellite, high-speed Internet, and fast food are all luxuries. None are necessities no matter how desperately you try to justify them.

[StopNAF]

.

Cell phones, cable, satellite, high-speed Internet, and fast food are all luxuries. None are necessities no matter how desperately you try to justify them.

I do not partake in any of these items as part of my expenses.


Are you a do-gooder or a crusader for the credit card companies?

Everyone has shortcomings. What are yours?

[FoolAndHisMoney]

Unfortunately I haven't seen many examples here of people planning for financial shortfalls. Instead, I read many stories of people who pulled out their credit cards rather than cut the unnecessary expenses.

Cell phones, cable, satellite, high-speed Internet, and fast food are all luxuries. None are necessities no matter how desperately you try to justify them.

It's safe to say that the IRS is more forgiving then you since their own revised forms allows this as reasonable expenses.

[FilingOnMyOwn]

If you hadn't borrowed so much, you would have been able to repay it. You should have lived on what you earned.

Sorry dickbeat. Perhaps one day you will be hospitalized and forced to pay outlandish amounts for medical treatment to keep you alive. If you are such a great person, why don't you just tell them not to help you, as you can't afford to 'borrow so much'.

[bkfiler]

[StaciMM]

Cutting expenses is a hard thing to do, and most (if not all) here have been thru it. I'll admit that we would have been better off if we had made based on common sense (knowing it would be good for us), rather than doing it because we had no other choice. It would not have changed our bankruptcy, though.

I agree wholeheartedly that wise budgeting is important. But, it is also a little like dieting or any other goal that you set. A challenge is good, but the plan needs to be achievable. Otherwise, it won't last long. Each person has to find the right mix-for them. There is no one size fits all. For us, that mix is keeping our cable and Blockbuster membership. Sure-we could cut out about $50-60/mo by doing so but that provides entertainment for the entire month and it is a worthwhile price for us.

[Lightning]

The fact that the IRS allows this does not make it right or smart to do. If you're claiming to your creditors that you're flat broke, you shouldn't be indulging in unnecessarily entertainment expenses.

It's about doing what's right.

[MRDEBTSTER]

Fortunately Lightning, you dont get to decide what is right and what is wrong for anybody but you.

Folks that have filed for bankruptcy have done nothing wrong either legally or morally.

Some people may be financally strong and morally bankrupt. Not that your high and mighty attitude is an indication of moral bankruptcy.

[Leftfield]

... So what's up with this guy "Lightning" Oh yeah still thinking about filling Pro Se. Though I got a little worried ...

Alright, let's get back to my friend Lightning! The question is:

Why a guy with no apparent financial problems (as he claims) visit a BK forum and for an extended time!???

Hmmm .... bizare, isn't it. Does he get a kick out of it ?? Ok, let's direct the question to him;

Do you lightning? then what is it? What don't you tell us the story? Common? I mean there MUST be something, right?

Look, It's deplorable for you to come in and start judging people whom you don't know nor their case and the circumstances of their financial turmoil. It's not thoughtful and even immature!

No, he does not work for a CC company or collection like some of you suggested .... I think he got scammed once and I'm assuming the person filed BK and he lost his investment. And now he got nothing but love for BKs!

For those who replies with posts that starts with " you are right/I agree ..etc", please don't! His remarks and criticisms are anything but constructive and you shouldn't encourage him.