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  1. #1
    Join Date
    Mar 2009
    Posts
    6

    Default Bankruptcy Chapter 7

    My question involves bankruptcy in the state of: Nebraska

    I am 21; and at the age of 18 I was able to receive my first credit card. I owe about 1,500 on cellphone bills and 8,000 on credit card debts. I am young; and for the past three years I sank into deep depression from overwhelming anxiety.

    I am now on my last year of college; and I really want to get my life together. I have made mistakes over and over again; and my parents (love them to death) covers my mistakes through multiple incidents. First I know I need a some kind of psychological help. Secondly; I need to face all consequences as an upcoming Adult .

    I work part time (11, 0000 a year); and I go to school full time. I don't own my car, a home; NOTHING in my name. I have a few school loans; but I know my education loans will not be discharged (I am okay with that; because school is worth paying for).

    I want to file for Chap 7 asap; but I don't know where to start ..or how to find a lawyer? I can't really afford a lawyer either.....so I am kind of in a knot. What are my options?

    I just want to start over so badly...........

    Thank you for any help and advice.

  2. #2
    Join Date
    Mar 2009
    Posts
    4

    Default Re: Bankruptcy Chapter 7

    Its alright I'm in the same boat as you. Im 25 and still working at school and got over my head with everything.

    I would suggest to see a bankruptcy attorney. That's what I did. I couldnt take this anymore and needed some clarification. You would be suprised how many people go see a bankruptcy attorney.

    I went to him. Explained my situation. It hurts explaining what I messed up but my attorney just took it and said I can qualify for chapter 7. I'm not saying he didnt care but just took it like a business transaction which in a sense is true. I messed up and now I need to look forward.

    But other than that he says you can rebuild your credit to good in about 2 years if you do it right..you can buy a house in 5 years..but in this economy who knows! just kidding

    But hey just hang in there it is VERY HARD but do something about it. That's all I can say really. There are much worse things that can happen to someone..I guess thats what I've tried to look at.


    **BTW your local Yellow book should help finding an attorney.
    The attorney quoted me a fee of about 1900.00 I know its a lot of money but find an attorney who will take a payment plan.

    The way they explained to me. I can make a payment to start the process of collecting all my paperwork. But the attorney won't officially file Ch 7 with the courts until the total fee is paid. Sounded fair to me. But that was it.

  3. #3
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Bankruptcy Chapter 7

    Some bankruptcy attorneys will do an initial consultation for free. Also, you can sometimes get a referral to a no cost/low cost attorney through your local legal aid society or local bar association.

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