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Is it worth hireing a layer in my case and how much can i expect to have to pay?

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    #1

    Is it worth hireing a layer in my case and how much can i expect to have to pay?

    I live in CT and am basically arround $20,000 in debt majority credit cards and arround 1500 cellular and 2000 hospital out of the 20k im 25 years old and have no assets whatsoever, the majority of my bills are arround 1.5-2.5 yrs past due, I only make $10 an hr working 40 hrs a week. is it worth getting an attourney or should i file myself? how much can i expect to pay an attourney? (balpark)
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    #2
    You didn't mention any spouse or other dependents, so,............ The Median Income level for a family of 1 in CT is $53,553/year.

    http://www.usdoj.gov/ust/eo/bapcpa/2...come_table.htm

    At $10/hr, unless you work a ton of OT, you should be well below the Median. You could probably qualify for a Ch 7.

    People do successfully file Pro Se. That's on their own without an attny. It's gonna take some research to be sure you complete the Forms correctly and get everything submitted that you need to.

    On average, a No Asset Ch 7 attny's fee will run around $1K, give or take. Could range from $700, upwards to around $2500 depending on area of the country and the attny you hire.

    Plus you'll have pre-BK Credit Counseling and post BK Debtor Education Certs to get. Average is $50 for each Cert. The Court filing fee for Ch 7 is $299.

    Folks here are glad to help out when possible. Also, there's lots of Sticky Threads with lots of information and links to help out.
    Filed Ch 7 - 09/06
    Discharged - 12/2006
    Officially Declared No Asset - 03/2007
    Closed - 04/2007

    I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

    Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

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      #3
      mkjettavr6

      1st welcome to the forum,i know people have been successful filing on their own.But,in my opinion,it doesn't hurt to have an attorney who knows the laws mostly now with new laws than we use to have,more paper work has to filed and if something like claims against your filing comes up.you'll have that legal adviser there to help you.any how no matter what you choose to do you'll have people here to help and support you as best we know how. take care
      CH. 7 Filed 4/4/07 done DISCHARGED AND CASE CLOSED 7/10/07 approved auto loan 3/082005 ford escape 14500
      all cc balances paid in full after transactions credit report disputes raised fico 25 points fico 8/07 448 fico 4/08 595

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        #4
        Im in CT to,i just got a lawyer for 1800 plus 300 filing fee,only asset i have is condo

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          #5
          you could go with a paralegal or a company such as Legal Grinde to help you fill out the forms. They can't give legal advice, but they can make sure you get the info on the forms correctly.
          Chapter 7 Pro Se....Discharged Feb. 2006

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            #6
            to clarify i am single and only work 40 hrs $400 weekly income

            what about thoes online prep services that complete all the forms for for you for like 300 bucks?

            also one of the prep services mentioned there is a form you can file to wave the 300 court fee if you are very low income? is this true and how does this work?


            thanks!

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