I am an older woman near retirement age. My husband has worked hard all of his life and we are facing bankruptcy now because I have not been able to work for over a year. Before that, I contributed with part time work and raised the kids. Two adult kids with disabilities cost us alot of money. We do not have much luxury.
I find the bk process frightening and humbling. I am already embarrassed. We looked hard to find a knowledgable attorney and have paid him $2000 for a chapter 7. His paralegal made a number of mistakes in the means test and was rude about me taking up too much time when I objected. Now we are going before the trustee/judge with errors. My husband says it is the big picture that counts, and I shouldn't worry but I'm testifying. I wrote to the attorney about the errors but he did not respond.
Now today we got a package in the mail from a different paralegal for a reaffirmation agreement along with a note that it would cost another $100 in attorney's fees to sign it. This is in regard to our daughter's car that my husband co-signed for. The attorney's instructions were to not reaffirm and as long as our daughter is paying, nothing bad will happen to her credit or the car. I called to talk to this paralegal and she wouldn't even let me finish a sentence! All she could talk about was how the trustee might not let us reaffirm the debt because we are upside down in our budget. It took me a great deal of effort and patience just to be heard. I was treated like I was stupid. I think this is because we are bankrupt and these young people are just so sure it could never happen to them.
How do you all handle this stuff or is the attitude uncommon?
I find the bk process frightening and humbling. I am already embarrassed. We looked hard to find a knowledgable attorney and have paid him $2000 for a chapter 7. His paralegal made a number of mistakes in the means test and was rude about me taking up too much time when I objected. Now we are going before the trustee/judge with errors. My husband says it is the big picture that counts, and I shouldn't worry but I'm testifying. I wrote to the attorney about the errors but he did not respond.
Now today we got a package in the mail from a different paralegal for a reaffirmation agreement along with a note that it would cost another $100 in attorney's fees to sign it. This is in regard to our daughter's car that my husband co-signed for. The attorney's instructions were to not reaffirm and as long as our daughter is paying, nothing bad will happen to her credit or the car. I called to talk to this paralegal and she wouldn't even let me finish a sentence! All she could talk about was how the trustee might not let us reaffirm the debt because we are upside down in our budget. It took me a great deal of effort and patience just to be heard. I was treated like I was stupid. I think this is because we are bankrupt and these young people are just so sure it could never happen to them.
How do you all handle this stuff or is the attitude uncommon?
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