First Step Down!

[Tater]

I guess I didn't explain myself very well. I understand completely where Pandora and tobee are coming from. I had similar thoughts when the attorney first mentioned it. No other lawyers had mentioned an income analysis but none did such a thorough job during the initial consult. Our total retainer fee is $880. We have paid $200 and now owe $680 for the rest of the retainer fee. With the redemption on our older vehicle, other factors, filing fee, and remaining attorney fees we are being charged $1,700. The attorney broke down the fees during the consult. As LIR stated, we are assured that we truly do qualify for a Chapter 7. If we would have had to file for a Chapter 13, then we would have known the payment amount.

I appreciate the advice and concern. I don't know what I would do without the people on this forum! As we all know, this is a confusing and emotional process. I did take the time to research the attorney we chose, even with the local bar association. We can't afford to throw away $200. To us, it wasn't a hidden or additional cost. It was clearly outlined. Even if we had to pay an additional $200, it's worth it to us to be out of this mess. So grateful for you guys!

[tobee43]

tater, you are doing a fine job handling this situation. it's one that is full of stress and uncertainty. we can only do the best we can and handle one day at a time and do what we feel is right for us.

if you feel great about it, it's GREAT, promise

[Pandora]

@LITR: I agree with what you wrote - guess I read it / interpreted it differently than how it was meant; no harm no foul.

Tater - Glad it has worked out and you qualify for a Ch. 7! Onward and upward!

[LadyInTheRed]

no harm no foul.

Of course not, even if we disagreed. We are all entitled to our opinions. I think the world would be a dull place if everyone agreed on everything!

[Tater]

Quick update: I have completed all the paperwork for the attorney, all the schedules, etc. I'm going to do the pre-credit counseling online this morning and get the certificate. Then I am going to drop everything off and pay the rest of the retainer fee. While I'm at the attorney's office, I will making making the petition appointment with the attorney. Things are moving along nicely! Again, thanks for the all the support and advice!!!!!!!

[tobee43]

Of course not, even if we disagreed. We are all entitled to our opinions. I think the world would be a dull place if everyone agreed on everything!

LOL!!! ditto!!

[tobee43]

Quick update: I have completed all the paperwork for the attorney, all the schedules, etc. I'm going to do the pre-credit counseling online this morning and get the certificate. Then I am going to drop everything off and pay the rest of the retainer fee. While I'm at the attorney's office, I will making making the petition appointment with the attorney. Things are moving along nicely! Again, thanks for the all the support and advice!!!!!!!

GREAT!!!!!!!!!!! you will be so relieved i'm certain! now, you just wait and start reading about 341's LOL!

[ValleYum]

Quick update: I have completed all the paperwork for the attorney, all the schedules, etc. I'm going to do the pre-credit counseling online this morning and get the certificate. Then I am going to drop everything off and pay the rest of the retainer fee. While I'm at the attorney's office, I will making making the petition appointment with the attorney. Things are moving along nicely! Again, thanks for the all the support and advice!!!!!!!

Yay for you, Tater! Sounds like everything is falling into place for you guys.