At free consultation BK attorney stated Ch 7 should not be a problem based on income average over 6 months for my spouse and me. We issued $1,000 deposit.
During second consultation he stated if 7 doesn't go through, Ch 13 would be an option. My wife said Ch 13 is out of the question as we are getting divorced within the year. We passed means test and he looked up Zillow value which came in at $295,000. It's clear that we to much equity to qualify for a 7, but the attorney stated to my wife: "I don't see any problem with the Ch 7. All I need is a contractors estimate of repairs and a market analysis and we'll be fine."
My wife was nervous and stressed at the second meeting and wrote out the final balance for $1900. Should we decide not to file do you think the attorney will at least refund the $1900 until we're in a position to file? He knows we need to proceed at some point as I have a judgement with a creditor about to levy bank accounts and garnish my pay
During second consultation he stated if 7 doesn't go through, Ch 13 would be an option. My wife said Ch 13 is out of the question as we are getting divorced within the year. We passed means test and he looked up Zillow value which came in at $295,000. It's clear that we to much equity to qualify for a 7, but the attorney stated to my wife: "I don't see any problem with the Ch 7. All I need is a contractors estimate of repairs and a market analysis and we'll be fine."
My wife was nervous and stressed at the second meeting and wrote out the final balance for $1900. Should we decide not to file do you think the attorney will at least refund the $1900 until we're in a position to file? He knows we need to proceed at some point as I have a judgement with a creditor about to levy bank accounts and garnish my pay
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