Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Chapter 7 can discharge the credit card debt for you.
Student loans are not dischargeable though
the process takes about 90 days.
Do you have a specific questionCustomer
So will I have to pay them back?
Yes, in most cases.
the student loans or CC
if you have future earning ability, then they do not dischage - Student loans.
Credit cards are dischargeable in the bankruptcy
so I wouldnt have to pay them back?
I also have a judgement against me for a car accident
does that fit into this ?
I have been paying it for about 4 years now.
Thay took away my drivers lisense until I reached an agreement
that is dischargeable too, as long as there was no DUI etc.
you can get the license back the day you file.
there was a DUI
was there personal injury?
I have it back now as long as I pay.
if it is for property damage only, then it will discharge.
Yes there was a small injury
accident debts from dui's aren't dischargeable in the case.
90% of the $ is property
that portion may have been resolved though from your notes, so there is a chance the sec. state will release the license once you file.
you would review that with your local attorney though to confirm, as local caselaw can vary.
I have the lisense now
as long as i pay every month
It happened in another state NJ
How much does chapter 7 tipicly cost?
Is there a chance that the court might not grant it?
What is the likely hood of that?
chapter 7 attorneys fees run from 350 and up based on the complexity of the case.
there is a 299 court charge for the filing fee, and 2 mandatory credit counseling courses, which are about 35 ea
The credit cards would discharge for sure.
What are the attorney fees?
the creditor could object to the dischargeability of the DUI/accident debt though
350 and up
depends on where you file and the issues in your case.
So in the area of $1000?
i charge(NNN) NNN-NNNNavg chapter 7 plus costs
most bankruptcy lawyers offer free consultations, so you can shop arround
do you have any other questions?
So I would be on the hook for the SL & the judgement?
In all likelyhood?
the student loans for sure, maybe on the judgment
Are so LAwyers better than others in these cases
any other questions?
if they have been practicing for at least 3 years, they are about the same. You want someone with bankruptcy experience.
you want to use the attorney you feel comfortable with too
90 days on avg?
check the better business bureau, check the bar associatio for referrals too
the chapter 7 case lasts 90 days once filed, yes
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