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  1. #1
    Join Date
    Mar 2008
    Posts
    4

    Default Re: Filing For Bankruptcy Without An Attorney

    What does it mean when you say that some creditors will file objections and make the process more complicated. All my debts are with credit card companies and i dont have any assets left so what can they possibly object to. I dont see me having any income for awhile because of my temp disability.

    I guess i should just borrow some money from the family and just hire an attorney to help me file.

  2. #2
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Filing For Bankruptcy Without An Attorney

    BOR just meant there is a "possibility" that some creditors could object to their debt from being discharged.

    I would get an attorney if at all possible.

  3. #3
    Join Date
    Aug 2007
    Posts
    3,835

    Default Re: Filing For Bankruptcy Without An Attorney

    Quote Quoting Betty3
    View Post
    BOR just meant there is a "possibility" that some creditors could object to their debt from being discharged.

    Thanks, that is exactly what I meant, as outlined in my above post.

  4. #4
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Filing For Bankruptcy Without An Attorney

    You're welcome, BOR.

  5. #5
    Join Date
    Aug 2007
    Posts
    3,835

    Default Re: Filing For Bankruptcy Without An Attorney

    Quote Quoting kjd2008
    View Post
    What does it mean when you say that some creditors will file objections and make the process more complicated. All my debts are with credit card companies and i dont have any assets left so what can they possibly object to. I dont see me having any income for awhile because of my temp disability.

    I know of the procedural term, but still to educate myself also, I researched it some.


    http://www.legal-forms-kit.com/freel...ruptcy/18.html

    Section 727, below, as cited in link above:

    http://www4.law.cornell.edu/uscode/s...7----000-.html

    --------------------------------------------


    http://www.ohio-bankruptcy-laws.com/...tcy-law-06.htm

    Section 523 as cited in above link:

    http://www4.law.cornell.edu/uscode/s...3----000-.html

    Understand, I am NOT saying your Petition will be subject to any objection, etc. I am just stating with BIG money involved a creditor may require a very detailed history of expenditures.

    A creditor is unlikely, especially under the new code as Betty pointed out, to just let 40,000 slip out of thier hands without making you legally earn it?

    Please consult an attorney. Simply filling out forms provided and filing a Petition is not the end of it, debts discharged, no legal maneuvering.

    Even I would not file a Pro Se Bankruptcy Petition for that much debt. I am not claiming to be a legal guru, by any stretch.... but this is too risky a legal move to accomplish by self representation.

    Good luck.

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