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thanks. can you recommend an attorney that handles florida bankrputcy cases but also practices in new york? we have some major health issues which are why we are mostly in new york lately.
we have few joint debts. there is one joint asset which is our apartment in florida which i think can be protected under homestead. it's underwater so i'm not sure if it even makes sense.
we are florida residents. we are behind on our mortgage but wachovia is working to get us approved under the tarp program. we are in fort lauderdale.
i am the sole income provider and an attorney said that because of this we would have to file for bankrupcy jointly. this didn't make much sense to me but i don't know the law. my husband is on social security and unemployment and has no other sources of income or assets.
we were 9/11 victims and to get 9/11 disaster assistance, the sba liened all of our personal property which includes the place in florida.
i want my husband to file. he can't take the pressure any longer from several bogus lawsuits and money that he owes because he personally signed for some business credit cards. i didn't sign for them.
it's a long messy story but the business assets--two dinner cruisers--were foreclosed by a hedge fund because of some bernie madoff scam they were doing. others who they did this to are suing the hedge fund but we don't have the money to do this and the sec is investigating them so even if we win there may be nothing in the end.
i am worried about the impact of all of this pressure on my husband's health. he nearly passed away from a bleeding ulcer three years ago and has serious diabetes. he is older than i am.
i have my own business and it's doing okay despite the economy.
the apartment loan is only in his name.
one of the lawsuits is also naming me but eliminating my husband from it shouldn't make any difference because he has no assets and it's me they're after and i think i would do a better job of defending it on my own. if i can't win the case, which i think i can because the person who filed it has been convicted of tax fraud and felony perjury, i'll have to file in a year or two.
i've been doing everything pro se but it's not easy.
please let me know how to add to what i've paid you. do i do it when i respond again?
i guess it's the means test that's the problem. with my income we are over that and i guess he can't qualify on his own. is it worth trying?
i really don't want to do a chapter 13 because i have paid down most of the debts that i am responsble for and i hate to have to pay for the other debts.
thanks. there have been no transfers and my feeling is just let the liens against him pile up but every day his emotions get much worse. he's never recovered from seeing the planes hit the building on 9/11 and this is only putting him on a downhill spiral.
i guess i'll just wait and see what happens. i am going to try to get an attorney that is more reasonably priced to handle this. we were using some high priced counsel in the past that we just can't afford any more.
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