Hi - my name is XXXXX XXXXX X'X a Bankruptcy attorney here to assist you.
1) Yes - you can file a Bankruptcy to have your unsecured debts - including medical bills - discharged.
Effect on my future credit rating, and what kind of cost am I looking at?
However, when you file a Bankruptcy, you have to include all your debts in the Bankruptcy paperwork. This means that all your debts will be discharged - secured and unsecured, but you can continue to pay any debts you want to pay.
Is this advice part of my free trial or is my credit card going to be charged?
2) The effect on your credit rating will depend on what your credit rating is before you file. If your credit rating is high, you can expect it to decrease by approximately 200 points. If your credit rating is currently low, you can expect it to decrease by approximately 100 points.
I don't know how JustAnswer billing works.
3) The fee to file a Bankruptcy is $306. If your income is below a certain level, you can have the $306 fee waived, so that you do not have to pay it.
You can also arrange to pay the fee in installments.
Is each state different on bankruptcy laws. You do not believe you can separate secured from unsecured?
To find out about JustAnswer billing, you can send an email to Customer Service XXXXX@XXXXXX.XXX.
Bankruptcy is a federal program, so the process is the same for each state.
You have to include the information for every debt you owe, but you can continue to pay any debts you want - including all secured debts.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).