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Prefer a lawyer versed in FL law. Considering Ch 7, (60k…

Prefer a lawyer versed in...
Prefer a lawyer versed in FL law. Considering Ch 7, (60k debt) have had 2 consults but it seems to me all they want is for me to file. My assets are in an IRA, have no garnishable wages, own a home in florida worth 700k but no mortgage but because of homestead exemption and the fact it is titled as tenants in the entirety it does not appear to me I have an issue (wife is not a cosignor an debt). Lawyers seem to agree but want to file anyway....
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Customer reply replied 1 month ago
Probably would be easier to talk via phone, let me know additional charge...thanks.
Answered in 16 minutes by:
3/12/2018
socrateaser
socrateaser, Attorney
Category: Bankruptcy Law
Satisfied Customers: 39,775
Experience: Attorney and Real Estate Broker -- Retired
Verified

Hello,

I don't participate in the Justanswer phone call option. If you are offered a phone call, it's an automated website offer, and if you accept, some other contributor may accept the call.

Re your filing Ch. 7 vis-a-vis simply remaining judgment proof, as your circumstances appears -- the reason to file is simply to rid yourself of the debt permanently, so that you don't have to deal with the debt collectors, and so that you can start fresh. Based on how you describe your circumstances, you could probably "do-it-yourself" the bankruptcy. See this link for relevant publications (I have no affiliation with the vendor). So, it would cost you around $500 total to get rid of the problem forever.

But, if you don't want to spend the dough, and debt collectors don't bother you, then just ignore everyone, and go on with your life.

I hope I've answered your question. Please let me know if you require further clarification. And, please provide a positive feedback rating for my answer (click 3, 4 or 5 stars) -- otherwise, Justanswer retains your entire payment, and I receive nothing for my efforts in your behalf. Note: If you cannot find the rating button on your webpage, please just type in your rating in a response to this note, and customer service will apply the rating for you.

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Ask Your Own Bankruptcy Law Question
Customer reply replied 1 month ago
That nolo link did not really get me any further than I already was, but I do appreciate your answer and will give positive feedback, will probably just ask the question again and take the phone option. thank you.

You're welcome. Please let me know if you need further assistance.

Thanks for using Justanswer!

socrateaser
socrateaser, Attorney
Category: Bankruptcy Law
Satisfied Customers: 39,775
Experience: Attorney and Real Estate Broker -- Retired
Verified
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socrateaser
socrateaser, Attorney
Category: Bankruptcy Law
Satisfied Customers: 39,775
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Experience: Attorney and Real Estate Broker -- Retired

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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).

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