Hi Guys I am so new here just about 5 mins ago.
Anyway I am intending to file Bankruptcy without a lawyer.
Heres my situation
I have 2 cars which totally junk Im lucky to get 1500 for both.
and I make about 2300 a month and my husband makes about 1400 a month
Both our credit cards are maxed out. Lets say 60k - 90 in debts. (unsecured)
and i pay about 1100 for my mortgage that im willing to keep.
Now heres the thing my husband stop using his credit card 2 yrs ago.
and i havent use all of it except for one card which like 5 months ago.
I am only 3 months behind payment.
Discover has been garnishing 25% of my husband earned money.
Only I bump into someone who mention about Bk
whats gonna happen with collection?
How can they stop taking money from my husband? will i be able to get all those money they have taken from us even we didnt tell them about his payroll number.
I requested a credit report today. it should be coming by mail.
and im intending to get a credit counseling from cccss not sure something like that which is from here. I called them and they said they served 50 states Hope trustee will acknowledge it.
So if i got the CC and credit report and all necessary documents Should i go ahead and fill up the petition and send it to the court nearby me?
im intending to file Chap 7
thank You for taking the time
cafiler (SOCAL)
Anyway I am intending to file Bankruptcy without a lawyer.
Heres my situation
I have 2 cars which totally junk Im lucky to get 1500 for both.
and I make about 2300 a month and my husband makes about 1400 a month
Both our credit cards are maxed out. Lets say 60k - 90 in debts. (unsecured)
and i pay about 1100 for my mortgage that im willing to keep.
Now heres the thing my husband stop using his credit card 2 yrs ago.
and i havent use all of it except for one card which like 5 months ago.
I am only 3 months behind payment.
Discover has been garnishing 25% of my husband earned money.
Only I bump into someone who mention about Bk
whats gonna happen with collection?
How can they stop taking money from my husband? will i be able to get all those money they have taken from us even we didnt tell them about his payroll number.
I requested a credit report today. it should be coming by mail.
and im intending to get a credit counseling from cccss not sure something like that which is from here. I called them and they said they served 50 states Hope trustee will acknowledge it.
So if i got the CC and credit report and all necessary documents Should i go ahead and fill up the petition and send it to the court nearby me?
im intending to file Chap 7
thank You for taking the time
cafiler (SOCAL)
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