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Consumer Bankruptcy : Chapter 7, Chapter 13, Protection From Claims of Creditors
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Old 07-14-2003, 06:27 PM
myty
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self-help


What is the name of your state? AZ

Hello everyone. I know that I haven't been a member on this board long at all. The ones who have been here for quite awhile this will probably seem like a dumb and silly post. I have read a few post where individuals want to know if they should or shouldn't hire a attorney. I myself have even asked the same question on this forum or even if I should file being that I have absolutely no assets whatsoever and get food from the local salvation army at times. I won't bother with all the details that led to my fall but it is what it is. I have gone from making almost 4000.00 a month to nothing. I have read where a few have had success with no problems and then some have sort of botched it up and need help which is okay because nothing beats a failure but a try. However, if you are not in a position to keep paying for mistakes then just go ahead and bite the bullet and get an attorney if at all possible. The main reason is because the mental peace that it gives is unexplainable. I am not saying I feel thrilled about filing BK but scum bags hounding me on the phone, tow trucks showing up at my door (ex has truck they want), threatening letters falling out of the mailbox just to name a few things is way too much for me to handle. The attorney I found today, I am lucky because I felt so comfortable with him and I feel like relief is very near. I consider myself to be very intelligent inspite of my grammar at times. A great deal of the time, I am typing so fast and trying to get my point across before the next fight, bloody nose, broke foot or arm takes place. I have two sons that love to play wrestle mania and the smallest one has ADD so he is on full all the time. However, the stress of having to do all the paperwork myself or the thought of what if I miss something is more stressful. I know the fees are high in some places and some just can't afford it. I am one of those but I was lucky to have someone to help me. My nine year old son calls my aunt in CA and says his mom had a asthma attack and was yelling on the phone. Of course she was curious and wanted to speak to me and there was no lying to her to try and cover the problem up. For those of you who are on the fence about which way to go, again, if at all possible get an attorney. Don't add the more stress to your life. When you don't feel like cooking, you go to a restaurant and you pay for the meal, the service, and for someone to wait on you. You order and it is up to the chef to fix things. Would you go to a restaurant and then go into the kitchen and start fixing the food yourself when your whole intention was to get away from all the hassels of cooking. I know this is a silly analogy. I could probably do all the paperwork but I can't deal with the stress of it all. Perhaps it is just because I am getting older and have so many things that cause stress for me that I cant change. I don't want to add anything extra.
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