Chapter 7

[NJGrandma]

What is the name of your state? NJ

I have found a local attorney who will handle a Chapter 7 for $850. Can anyone advise me if there are any special things that I must ask him to do for me? Also, will he get run a credit report for me, or is this something I must do myself? I really want to make sure that I haven't forgotten something that can come back to haunt me.

Thanks in advance for your help.

 

[anadude]

typically you're the one that needs to get all the info together for your attorney. getting your own cr's is a good idea, because you might find some info and or creditors you weren't aware of.

 

[cyana]

You have to order your own credit reports. Unless you don't want credit scores it should cost you no more than $9 each. Order them directly from the sources - go to Experian.com, Transunion.com, and Equifax.com. Look for their phone numbers and order them by phone if you have at least 10 -14 days before you need the information.

If you can't wait that long, get them "online" if you have access to a printer. Do not use MyFico.com with scores unless you want to be printing forever. If you do want scores it costs $12.95 each for Equifax and Transunion FICO scores and $14.95 for the Experian "Fake" score. MyFico.com now offers the Experian FICO score - if want your score check www.creditboards.com and look for discount info.

 

[WhiteRaven]

Just a quick comment. I think this is the same everywhere, but here in Missouri, if you have been turned down for credit within the last 60-90 days (am unsure of the actual time frames, may be longer than that) you are entitled to a FREE copy of your credit report(s). You may want to keep that in mind in case that applies to your situation.