Is it wise to file bankruptcy without a lawyer?

Is it wise to file bankruptcy without a lawyer?

I only have credit card debt. I am also broke. The lawyer I talked with wants $1000. I can do it online for half that.

Answer : I suggest one to visit this web site where one can compare from the best companies: https://tinyurl.com/y4wsh47l .

Related :


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 What all can potentially get liquidated in ch.7 bankruptcy?
 I know it can liquidate your home property. Anything else?
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 Has anyone gotten an online loan from Ditech or other company?
 We want a second motgage for home improvements and to pay off some credit card bills. Is it a good idea to use online motgage companies. What are the pros and cons. Any traps. Some of their rates seem better than our local banks. We have very good credit. Anyone out there that has good or bad experiences let me know.
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 Auto loan using husbands income?
 My husband is in the military and im an undergrad student and i was wondering if i can use his income for a auto loan. His credit is not very good and mine is alot better. Will a dealership need him to be on the loan or will they allow me to get a loan without him. Can it be considered household income? What are my options?
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 How do i increase my credit rating?
 
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 Is PMI (mortgage protection insurance) a scam?
 When I bought my home years ago I had to pay for PMI untill I had 20% equity in my home. I was told it would step in and protect the bank if I walked away from my loan obligation and the bank had to forclose. So with all these forclosers in the news today why isn’t PMI paying off and protecting the banks or was it a scam to begin with?
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 What happens with your credit report if you change your first and middle names?
 I changed my first and middle names and now when I try to get my free credit report it says that it cant find enough information to give me a report. Before the only thing I had was when I was medically discharged from the Army and they wanted me to pay back $10000 for my bonus. I make $699 a month and there is no way I could even pay some of the money back. So my questions are: If someone like a land lord checks my credit with my new name will anything show up since nothing shows up when I do that with the new name? Will my old name show up and if so how do I get rid of the name from being on my credit report? Thanks! Kate
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 Chapter 7 Bankruptcy question?
 EDIT: Her debt amount is roughly 30k. That is with medical bills WITHOUT college loans. Her monthly income is about 1200 bucks. Her monthly bills are more than that. That does not include food or gas. I am not looking for a moral lecture. She is doing this. I am trying to help her through it. She has exhausted all other options. 
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 Rates of reaction question?
 Ok heres the question: 4NH3(g) + 3 O2 (g) ←> 2 N2 (g) + 6 H2O (l) If the rate of formation of N2 is 0.10 M/s, what is the corresponding rate of disappearance of O2?””
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 Im 18 and want a 10000 loan have 3000 to put down but no credit history or cosigner…is it possible?
 i have had a steady job for 3 months and i make around 700–800 a month…I am looking at a 01 camaro that i really want but it is 10000 i have 3000 saved up but it will take me forever to save 10000 i just want a loan and i can make the payments easily….my mom has bad credit and so does my dad so they cant cosign…can i get it myself?
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 “”My ex wife and I had some Joint Debts that in my divorce, I was made totally respobsible for them.?””
 I am considering filing for Chapter 7 bankruptcy, because there is no way that I can repay all of these debts on my own, and still be able to support myself and my children. If I file chapter 7, this would take the debts off of my credit, but how would she take them off of hers, since she isn’t responsible for them anyway?””
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 What’s the best financial institution to get a cheap auto loan from?
 I am currently working and making 9.50/hr (30–40 hrs/week). I have a student loan and another loan under 4,000 that I’m slowly paying off. Unfortunately my car decided to take a crap on me and I need to be able to finance a newer vehicle. Where’s the best place to get an auto loan from? I’ve tried my personal credit union and it’s rather outrageous. Or better yet, any ideas on a smart way to get a newer vehicle would be great. Thanks in advance!””
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 Buying a car when in Chp 13 bankruptcy?
 People from Arkansas that have filed chapter 13 bankruptcy but need another car, how do you go about doing that. I spoke with attorney and they said nothing over $15000 but I don’t know how to approach these dealers with this option. Please help!””
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 Why does FreeCreditReport.com say they provide free credit reports when they charge you $12.95 a month?
 Why does FreeCreditReport.com say they provide free credit reports when they charge you $12.95 a month for services. I have some websites listed below that could help answer your question. http://www.ripoffreport.com/reports/ripo... http://www.consumerfraudreporting.org/fr... http://www.hedgefundlounge.com/index2.ph...
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 Where can I check my collection balance on line?
 I’m on collection and I tried to call them and no one pics up the phone on me already for 2 weeks! please help? how can I check my collection balance on line? Is there any way? thank you a lot and God bless you !!!
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 My Husband and I had taken out a payday loans. Then a few months after doing so are account closed.?
 We both lost are jobs and were not able to pay the loans back. We have had to move in with my husbands mother in other state do to hard times with economy. Now creditors are calling us five years down the road. They are stating they have been sending us notices at are old address, but never asked for are new one. We have not seen anything written. I guest my question is can we go to jail for having written checks, but later the account was closed? I need to know have two kids now and I’m really scared. Thank You!””
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 Fixed rate mortgage? interest rates?
 Abbey purchased a house using a fixed rate mortgage. The annual interest rate is 4.2% compounded monthly for 20 years. The mortgage amount is $235,000. What is the monthly payment on the mortgage?””
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 How do I register a car if the bank holds the title?
 I just got a loan for a vehicle purchase from a private party. The bank was sent the title when I borrowed the money and purchased the car. Now what the heck am I suppose to bring into the DMV to register this thing if the bank holds the title due to my loan?
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 Whats the best company to get a loan from when you’ve got bad credit?
 
“Is it wise to file bankruptcy without a lawyer?

I only have credit card debt. I am also broke. The lawyer I talked with wants $1000. I can do it online for half that.


 Who is the old lady in all of the free credit report commercials??/?
 who is the old lady in all of the free credit report commercials, with all they guys??? I really want to know.””
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 How do I get an absolutely free copy of my credit report without giving up my credit card information?
 
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 Solvng system of equation word problem?
 Chelsea took out three loans for a total of $120,000 to start and organic orchard. Her business-equipment loan was at an interest rate of 11%, the small-business loan was at an interest rate of 5%, and her home-equity loan was at an interest rate of 5.5%. The total simple interest due on the loans in one year was $7,250. The annual simple interest on the home-equity loan was $2,200 more than the interest on the business-equipment loan. How much did she borrow from each source? Here is how I set up the system: Let x = business equipment loan Let y = small-business loan Let z = home equity loan x + y + z = 120,000 .11x + .05y + .055z = 7,250 z = .11x + 2,200 My answer didn’t come out right. Did I set up the problem incorrectly? I would appreciate help in solving this problem.””
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 Where to get a bad credit personal loan in canada that is not a payday loan?
 
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 Where is a good place to go to see what my credit scores are from the three credit reporting companies?
 .what makes you recommend them?Any suggestions,ideas?””
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 Where can I get a free credit report?
 FRANKIEE: I know freecreditreport.com but I don’t want to pay. Thank you for your answer.
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 “”Why did Sallie Mae, change my payment Date because I paid Over?””
 I’m confused.. My minimum payment is 78.50 a month.. Well I’ve been tired of paying the minimum for years, and I want to get the loan paid off faster.. Mind you, I usually have to pay my loan every month… But in August, I sent in a payment for 230.00 and then it said my next payment wasn’t until october? Well.. This month.. I sent another payment in for 230.00 and they now my next payment isn’t until December…… I am going to continue paying monthly.. But is this so they could charge me more interest? I don’t get that.””
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 Who are pay day /cash advance loan lenders in uk?
 
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 “”If I get a car/ auto loan, will it go to me?””
 I want to put up something on Lending Tree. I have a job and so does my cosigner. I think I’m also going to get another job as well. I need to get out of debt, about 3000, and I really want to buy a car, about 10000, but to be safe I want to ask for 15–20000, because those numbers aren’t exact. I really don’t want to do a personal loan, but I’m a renter, so I don’t know if I have any other options. But then I wanted to know, if someone offered me a car loan, would they send the money straight to me, or would they try to send it to whoever I’m buying it from. Because I’d rather do a school/ car loan cause the interest rates are better, right? (I’m in school btw) Well tell me what loans best and if they’ll give me the auto loan or if they’ll give it to the dealer. This is Lending Tree, so I’m sure they’ll tell me if I qualify or not, I don’t need no one else’s help on that. Thanks, will pick best answer. :P””
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 “”I need to get an internet payday loan in Tennessee, any suggestions?””
 Im in a bad spot and in need for a short term loan, and my family or friends are not an option. I was suposed to get a bonus on my check and it got delayed and now I need to pay my car insurance. please do not be rude, I need to know where I can get help, fast!!””
“”
 How to make a shark tooth necklace?
 i have a awesome shark tooth and i want to make it into a necklace for a boy. i need easy instructions on how to make one that looks good.but when i mean easy instructions i mean easy please
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 Do I get charged even if I don’t use a credit card?
 I will be getting my credit card for my Lloyds TSB Student Account soon and I’m just wondering, if I haven’t used anything on the card and just leave it in my wallet, will I get charged monthly by interest on the card, or can I be safe and just leave it there and not have to pay anything?””
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 Can you check your chase credit card expiration date online and how?
 
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 Why is it legal for payday loan businesses to charge 500% interest on loans?
 The government seems to be watching the credit card companies to make sure they aren’t taking advantage of people. Why do payday loans places get away with it? And don’t tell me that people that go there deserve to get screwed. That’s not the question.
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 Merit One loan company is a Scam?
 Do not deal with these people at all please.My husband and I applied for a bad credit loan and filled out an application online,They called us and told us they could loan us 5000 we would need to 2 payments up front,so like a dummy we wired them 445.00 through western union,So We urge you not to deal with these people…Heres the website they seem legal,but are not… http://www.meritone.ca/ ..The ladys name was Laura Pinkoski, phone number is 416–524–3575, Archor Banks in North York, Ontario. And another was Jean Sircoulski,Does anyone out there know where we can Report these people and get real results thank you..””
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 Which bank of america credit card is best to build credit?
 I am 18, and due to lack of credit history it’s hard to get a new car and other things. However, I work a part time job and was hoping to get a card to help build credit up. Which of the 3 bank of america credit cards would be the best to use? I do not go to school currently.””
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 Is a light credit check the same as a full credit check?
 ie what have they done in the past and can they be trusted, or is it more of a formality””
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 How much will the bank give us for a home loan?
 My fiance and I are getting married in October. He is getting his PhD and in the process of looking for a job. We do not know for sure how much he will start out making, but we will say $80,000 yearly. His credit score is between 750 and 800 and mine is between 700 and 750. We are selling the home we own now and will not make much, if anything, on it. We could put about $15,000 down on a house. We have no car payments or credit debt. How much will the bank loan us on a 15 and a 30 year loan and what bank should we go through? Thanks!””
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 “”Claimed bankruptcy, can I get approved for a loan?””
 Had some very hard times about 7–8 years ago and had to claim bankruptcy. Since then me and my family have been paying for everything with cash, including our house we currently own. I’ve held down a job for 4 years now with the same company, moving up in the ranks. I would like to purchase a used car for about 10,000 dollars, was wondering — if I were able to put around $3000 down, could I get financed? How bad would interest be? I want to start building up my credit again, and I figure I’m going to have to pay high interest at first, but I have no other choice. Anyone with experience and advice, I appreciate the help. Thanks””
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 How does debt consolidation work?
 Does it actually make your credit cards inactive? Does it decrease your credit score, etc? Thank you!!””
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 How long does the Home Loan Modification Last ?
 I am very confused about this i am looking to reduce my mortage by obtaining a loan modification. But a potential client told me that it would only last for 5 YEARS i thought it lasted for 30 YEARS NOT 5. If this is the case then i would rather not do it what’s the point? can someone please tell me if this is true and if it is true why how did the change happen? and is there anything that i could do to get my monthly payments lower? I am working with 2 differnt organizations because my lender Country Wide refuses to put in much effort to help let alone approve anything. Any information would be greatly appreciated.
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 Can an 18 year old get an auto loan from a bank?
 If not a bank then does anyone know where i could get one?
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 #repost
 
“Is it wise to file bankruptcy without a lawyer?

I only have credit card debt. I am also broke. The lawyer I talked with wants $1000. I can do it online for half that.


 Where can i get a free credit report?????
 
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 Whats a good place to check your credit score for free?
 Looking for something free and secure.
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 Car loan with a Credit score of 593 ?
 So i Figured out that I have a credit score of 593, that 7 points shy of the cut off for auto loans from pretty much EVERY bank around. I have paid off old debts, but I guess it take years for it to come off. I make 35000 annually and have around 1700/mo of dissposable income. I can easily make a car payment. I am in teh market for a new auto b/c my old one doesnt have much left in her. Is it possible to get a loan for the car i want it isnt very expensive 24000. I missed the tier by 7 pts and now I am seen as an outcast. Credit is the biggest load of BS ever but i should have kept my finances in order back then, anyway I really need a new car or a newer car and I know that by paying on time for a few months it will look great on my credit and raise it but I cant get to that point because of 7 points. Does any Yahoo! user knwo of a way or bank or place that will finance a person with a score of 593? I am open minded.””
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 “”Who is the cheapest bankruptcy attorney in Nashville, Tennessee?
 
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 Suggestions for first time auto loans?
 So I am a 19 year old guy trying to get a small loan out for my first car and looking for some suggestions… Here are some stipulations: 1: I cannot get a loan from my bank OR a credit union since the car is older than 2006. 2: I cannot afford FULL coverage insurance on ANY type of car, so no financing. 3: I make about 900 every month working at Target and pay rent to my parents as well, so I cannot do a short payday loan that needs to be payed off in large payments. 4: Any credit check says that I have a ‘thin file’ which means I dont have ant credit history. Not good OR bad credit. I need some sort of installment loan that a person making $8 an hour can afford to pay off (the majority of my check can go to payments). Any suggestions would be appreciated. Responses stating that I’m out of luck aren’t welcome. I WILL make this happen.””
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 If I have an auto loan that has a balance of 6500.00 and I want to put 4500.00 towards paying it off should I?
 No penalities for paying early.
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 I want get online to see if cityviewcash.com has sent me my loan that I was approved for yesterday?
 I was approved for a payday loan yesterday with cityviewcash.com they where suppose to let by E-mail but I have’t gotten anything yet””””
“”
 Is it safe to give your credit card to a porn site?
 I love watching girls on webcam sites like flirt4free.com but to see them naked you have to pay. I want to do this but am afraid to give them my credit card details. Does anyone have experience of this. is it a safe thing to do
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 All television is educational television. The question is: what is it teaching?
 I wish there was a knob on the TV so you could turn up the intelligence. They got one marked brightness”””” but it don’t work””
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 I just ordered my credit report from Facts Act?
 I ordered all 3 of them through them on the phone, will all 3 still come with dispute forms so I can dispute inquries? Like you can online? Or am I going to have to send a letter to all the companies with the order numer and dispute through them? Or should I do both, my online credit report which I paid 30 bucks for and only got two reports say I have 8 inquries that were used to determine my score over the last 6 months, but there were I counted 28 of them. Some of these I did make, but some of them are on there twice from the same company, some of them are from the same day, I was under the impression that auto loans and such made within two weeks of each other counts as one.””
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 “”A mean of $70,000 and standard deviaiton of $20,000?””
 The amounts of money requested on home loan applications at Down River Federal Savings follow the normal distribution, with a mean of $70,000 and a standard deviation of $20,000. A loan application is received this morning. What is the probability: a. The amount requested is $80,000 or more? b. The amount requested is between $65,000 and $80,000? c. The amount requested is $65,000 or more?””
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 Do I have a good chanec of being approved for a small auto loan through my credit union?
 I recently had my car stolen on New Year’s eve. I had a lease purchase on the car and still owe about $6000.In the mean time, it is imperative that i have a reliable way to and from work, so I am interested in purchasing a vehicle from a close family friend;only problem is that I’m short on cash! I’m 20 years old, single with no children, i rent monthly,and I have a decent job where I make about $34,000 a year, but unfortunately, like most people my age, my credit is shot to hell! My current score is about 560, and the only charges that i have to my credit report are my car loan, a cell phone bill, a gas bill, and a medical bill(not much to go on). Based on this info, do you think i have a good chance of being approved for a $5,000-$8,000 car loan from my credit union, which i have been a member of for about 2 and 1/2 years,maintaining a savings and checking account, and direct deposit?Someone please help or give some advice as to what someone in my situation should do. Please , no smart alec answers. This is a serious inquiry and i would prefer serious, mature answers only. Thanks!””
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 Loan scam? — Easy Loan?
 A few questions in one here so please bear with me. This morning i received a phone call from a company called Easy Loan regarding a loan application i have made. The only thing is, i haven’t. Obviously i am worried that someone may be trying to take out fraudulent loans in my name, although i have no idea why they would use MY contact number in any such request. Is this some form of aggressive cold calling, is it a scam or does it bear the hallmarks of genuine fraud? I’ve contacted my bank and no brokers fee has been taken out of my account and they have changed my card details, i have contacted emperia so get a credit check to see if loans have been applied for in my name. is there anything else i would need to do?””
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 I refinanced my auto loan while trying to get a mortgage will this hurt me?
 
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 If i sell my house before bankruptcy?
 Im under contract to short sale my house and plan on filing a chapter sever after the sell. Would it be better if i filed chapter 7 0r 13.I want to purchase another house when i get back on my feet.I am close to 30k in debt and i just got a job making 70 k a year.
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 The Experian credit score I saw on the legitimate Experian Website is not the same one at the car dealership.?
 The day before I went to the car dealership, I checked my Experian credit score at Experian.com. It told me 685. But when I went to the car dealership, and they pulled my credit score, which happened to be Experian, they were told 576, so I had to put off my car buying plans for the day. What happened?””
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 Where can I acquire a loan with really bad credit?
 My debt is $6,500. Some is owed to individuals, some to medical bills. I have never filed bankruptcy, but have had late payments. What sites give the best loans and what type should I apply for?””
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 How can I find an auto loan with bad credit for AutoTrader.com?
 I found the perfect car for me on autotrader.com , however I can’t find anyone to finance me. I tried several places but they just referred me to dealers in my local area. I was approved by the local dealers but the car I want is in another state. Is there anywhere online that can finance me without sending me to a local dealer? None of the local dealers have what I want. Please help””
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 Repost: Credit score keeps dropping- should we consolidate?
 
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 “”Does anyone have any experience with the Homeowners Advocate loan modification service in San Diego, CA?
 I am about to send them some upfront money and I want to hear if anyone’s gotten any results from using their refininancing programs? Thanks for your input!
“Is it wise to file bankruptcy without a lawyer?

I only have credit card debt. I am also broke. The lawyer I talked with wants $1000. I can do it online for half that.


 #repost
 
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 Whats the charge to get a cash advance at an atm?
 at a captial one bank
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 “”A 610 credit score. Good, decent, average or bad?
 
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 “”Move, auto loan and school loan, what should i do?””
 Hey guys, so i need a little bit of advice.. Im 21 and would like to Move from Utah to California and i figured i would be comfortable transitioning in about 2 yrs or even sooner if possible. At the moment i go to school and Ill be receiving my Associates degree next year ( by may at the latest). I had to take out school loans and am about 11500 in debt.. I also have an auto loan and i owe about 7500.00 on that. I work in an office and make about 23,000 a yr. K so my concern is this, i want to move with as little debt as possible, but i dont want to fall behind in school either.. Is it a good idea to make large payments ( i want to say 900–1000 a month ) on my auto loan and pay that off before i receive my associate and after, begin making large payments on my school loans until theyre paid off. and after thats paid off, move to California and begin on my bachelors there with no debt. Or should i pay my auto loan as i mentioned above and continue with school in Utah and then move to cali with a bachelors degree and the debt from school loans? I dont know which would be the best option? note that i will be moving without my family, so im doing this solo with a couple of close friends. I really want to do this right, so please any advice is appreciated. Thanks!””
“”
 What are the best DVD discs for burning Wii games?
 I’ve been using RiData DVD-R any they play ok, but time to order some more so I was wondering what is considered the BEST discs for Wii games? I mean a) brand and b) -R or +R ? Also FYI I use the inkjet printable.””
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 The best payday loan company?
 I have tried to get a payday load because of a wage decrease & all I get is pop-ups of companies. Whats the deal?
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 Question on loans for building home and land seperately?
 And landlord can you tell me more about this: The big problem you will have is having the house appraise for the cost ofconstructionn, is simply is not very likely to do so, so you may have to pay closer to 50% down. If you can’t appraise andrefinancee the construction loan will foreclose and you will lose both the house and the land. Where would I find more info about this online?””
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 Can you consolidate federal student loans from Sallie mae?
 Can you consolidate federal student loans from Sallie mae?
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 Bankruptcy and divorce?
 Can you file chap 7 in california after a divorce judgment to protect your wages?
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 “”Company charged my debit, claims I am lying?””
 I signed up for a free 7 day trial with beenverified.com. The service was terrible, there is nothing they provide that you cannot find out through your own research so on the 7th day I called and cancelled. The spokesperson said that I should be recieving a confirmation e-mail for my cancelation, and I never did. So, feeling nervous I call my bank the next morning to check and sure enough they charged my debit card 96 dollars for a subscription. The woman at my bank said that it had already posted and there was nothing I could do but call the company and then call my bank back on monday to file a report, which will be investigated. The first person I spoke with at the company told me, sorry no refunds. Then she went on to say well, we can give you 48 dollars back. What!? I was confused and felt that was very fishy, then spoke with her superviser. He was very unproffesional and rude. He basicly told me that there was no record of my calling to cancel (nope, didn’t get any names..) anf that I was lying. He said there was no refunds and he doesn’t know what’s going on down at my bank but the company already recieved my payment and I wasn’t going to get it back. He said I’m sorry that you are percieving this as not being helpfull to you, I am being very helpfull and had you called to cancel like you are claiming then you wouldn’t be having this problem. He said good luck with making a claim with my bank, I am not going to get a refund. I feel bullied and don’t know what to do. I am calling to report this with my bank tomorrow but I don’t know what to expect. Do you think I will have any luck fighting this? Any advice? I have never dealt with anything like this..””
“”
 What is the guy from FreeCreditReport.com’s credit score?
 I’ve always wondered what his actual credit score was, because I don’t think mine is much better!””
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 Do I have a credit score?
 Im a college student and was wondering if I have a credit score. I dont have any credit cards and never have, I have no loans in my name, I dont have any major property in my name, but do have bank accounts in my name and have a debit cards through my bank accounts.””
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 “”Freecreditreport.com, is it a scam?””
 BC I wonder if they let you unsubscribe””””.. I’ve had trouble in the past””
“”
 I have a few questions about night school or online classes?
 I don’t just want to try night school or online schooling because it may be ‘easier’ than ‘regular’ school. If that was it, I’d go to ‘regular’ school because I don’t just want to take the easy way out of things in life and not have to face them. I want to try night school or online schooling because to be honest I feel as if I haven’t learned anything in years. Every single year seems like review of everything I’ve learned from the previous years. I’ve gone through yet another full year of school and I honestly cannot think of one -new- thing I have learned in any of my classes. I feel as if I try a different type of schooling that maybe I’ll learn stuff that I haven’t learned much before.””
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 What is a starting credit score?
 Hi i just turned it, i just got a job and this guy at my bank suggested i try for a credit card, this would be the first thing that would be on my credit. I got denied, and the paper said that my credit score was 490- i have never had anything on my credit since i JUST turned 18, am i suppost to have a credit score of 490? or should it be 0 since i have never put anything on my credit, Please help! i am new to this credit thing””
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 I have really bad credit and need a 6000 loan or credit card has anyone got a credit card with bad credit?
 i have bad credit from a phone bill a couple of years ago i really need 6000 for personal use i have been nocked back over and over by credit cards and loans because of my bad credit has anyone with really bad credit got a loan/credit card and with who .i live in australia.
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 Is there any place that you can check your free credit score and report?
 Is there a way to get a free credit report?I tried but they only offer a Free Score””””””
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 How do u increase the Cash Advance limit on a credit card?
 
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 Help with 1 more real estate question plz?
 Could you please show your work and what answer you came up with b/c I’m just not getting this one. If the mortgage loan is 80 percent of the appraised value of a house and the interest rate of 6 percent amounts to $460 for the first month, the appraised value of the house is $115,000. $92,000. $73,600. $55,200.””
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 #repost
 
“Is it wise to file bankruptcy without a lawyer?

I only have credit card debt. I am also broke. The lawyer I talked with wants $1000. I can do it online for half that.