Important Questions to Ask? (Meeting with attorney #2 on Friday)!
I joined this forum shortly after meeting with my first consult attorney. I've gained considerable insight as a result (THANK YOU!). I'm meeting with attorney #2 this week (who, thankfully, comes strongly recommended by an attorney friend) and I welcome any advice you have to offer! Are there any particular questions I should ask?
My first consult attorney spent an exorbitant amount of time explaining bankruptcy (appreciated, yet when I attempted to convey I understood certain topics he didn't appear to hear me). He barely touched on my situation. I'd like to bypass such (redundant) bk overviews and direct more energy into specifics. While I'd like to have individual feedback and focus, I know there are big picture elements...some of which I may be unaware. <--this is where you can help!
This whole process is overwhelming and I'm sure many of us feel/felt like our situation is complicated. I'm gaining comfort and want to be as prepared as possible. I've been actively reading posts and noting topics I'd like to address. I'm really hoping to gain a better sense of how the big picture relates to my little world! Of course, my main focus right now is retaining an attorney I respect and trust.
Overview: My situation stems from a chosen foreclosure. I can afford my mortgage payments; although, I don't have the financial means to further invest in this losing investment. I purchased my house to discover it is a money pit and, boy, it surely has continued to live up to its name! I cannot, in good faith, attempt to sell (I'm sure the seller's disclosure would prevent a sale). Plus, my house is likely valued $40-60 less than my mortgage. I have $20k in credit card debt and I make slightly less than the median income for Michigan. Foreclosure alone is an option (which would grant me the ability to pay off credit cards); although, bankruptcy would protect me from a deficiency judgment (HSBC appears to have employed some interesting tactics in this domain) and give me a fresh start. I've been fighting debt since I was unemployed for a year in 2006. I've never worked so hard in my life. I'm broke. I'm tired. I want change.
Thank you!
My first consult attorney spent an exorbitant amount of time explaining bankruptcy (appreciated, yet when I attempted to convey I understood certain topics he didn't appear to hear me). He barely touched on my situation. I'd like to bypass such (redundant) bk overviews and direct more energy into specifics. While I'd like to have individual feedback and focus, I know there are big picture elements...some of which I may be unaware. <--this is where you can help!
This whole process is overwhelming and I'm sure many of us feel/felt like our situation is complicated. I'm gaining comfort and want to be as prepared as possible. I've been actively reading posts and noting topics I'd like to address. I'm really hoping to gain a better sense of how the big picture relates to my little world! Of course, my main focus right now is retaining an attorney I respect and trust.
Overview: My situation stems from a chosen foreclosure. I can afford my mortgage payments; although, I don't have the financial means to further invest in this losing investment. I purchased my house to discover it is a money pit and, boy, it surely has continued to live up to its name! I cannot, in good faith, attempt to sell (I'm sure the seller's disclosure would prevent a sale). Plus, my house is likely valued $40-60 less than my mortgage. I have $20k in credit card debt and I make slightly less than the median income for Michigan. Foreclosure alone is an option (which would grant me the ability to pay off credit cards); although, bankruptcy would protect me from a deficiency judgment (HSBC appears to have employed some interesting tactics in this domain) and give me a fresh start. I've been fighting debt since I was unemployed for a year in 2006. I've never worked so hard in my life. I'm broke. I'm tired. I want change.
Thank you!
