if you received a letter saying "attorney placement pending Feb 07, 2023 will get an attorney if you do not respond" can I file for bankruptcy online in time to stop this from happening?

Thank you me and my family going through it right now. So I’m watching this to see it will help

I went to the site and it says its not available in my state. Why not?

Thank you much I wish you all the sunshine in Florida and all God's grace

Thank you I need it.

God Bless you.

Thanks for that 👍

Thanks bro, God bless you as well.

Thank you

Well.... saving money is always important, but especially when filing bankruptcy I would say.

Slashing credit lines and cancelling accounts for what purpose?

Upsolve is a nonprofit and it is free. Did an attorney ask you for that much?!

Upsolve works in almost every state

​@@jacquimobile6992it didn't work for me. Before I signed up, it says we WILL NEVER ASK FOR $$$ PLEASE ENTER INFO TO SEE IF YOU QUALIFY FOR CHAPTER 7. LOL. as soon as I hit enter, I get a text from a law firm. It's a scam

Very true! That's part of the reason why Upsolve started :)

Same thing for me

How are you doing so far?

Can you update us ?

Exactly what happened to me beginning of this month except my loan is 18,500 🤦🏾‍♀️

Same here

It does ask the source of your income

Upsolve can now help people in Maryland as of 2023 (I think started 2022)

@Jacqui Mobile thank you! I moved back to Florida, and I was able to take advantage of the prior offer. Thx!

​@@jacquimobile6992 It doesn't help people in Connecticut

If there are personal loans, they could sue you. Depending on the verdict they might garnish wages.

if you were a paralegal, you'd know the answer to that question..

@@jessebrandywarren7599 🤣

Upsolve can't help homeowners, the laws are complicated. It's a legit nonprofit. Have you tried legal aid?

That's awesome that you haven't paid taxes in 9 years! Keep it going bud. Almost no chance they'll ever find out....but if you file they will know immediately! So don't file taxes ever again and you're good to go

@@MochaZilla I haven't filed in 9 years either I filed for 2021 for one of my jobs that I stayed at for 6 months but they took my tax return which I knew they would but I'm bad at record keeping myself

@@freemygrandma8752 why did you file after not filing for so long?

You have to take the credit counseling course before your bk case is filed.

Fast forward to 2022… I hope you took your profits!

Upsolve can't help homeowners because there are a lot of extra legal issues involved. :( Did you try Legal Aid?

@@jacquimobile6992 Hello, Sorry this is a little long; I have an old mobile home but pay lot rent. From what I have found online having to file myself, there is nothing extra at all to file as it is not a house or has any mortgage on it. Mobile home people rarely get assistance or help. Even our state laws for renters are different for mobile home owners Vs. apt or home renters. legal aid does not help the disabled. I have tried many times for different issues. For bankruptcy, they refused to help and said the reason for denying me is; “able bodied people have more to risk. Being disabled and on SSI income is not a risk”. I was told by them that SSI income is exempt so I just need to send notice to all collectors to stop contacting me and then just ignore any attempts at collections. They even said to not bother going to court if I get a lawsuit as my income is exempt so they can’t take it. That is the dumbest thing ever to tell people that. Bankruptcy last for 10 years on your credit. Court ordered judgements for bad debt is renewable every 10 years, with no limit to how many times it can be renewed. So They are telling people to have judgements on their record for the rest of their lives, compared to filing bankruptcy. To add to that, at any time the collector can freeze the bank account to try and collect after getting a court judgement. The judgments also have interest that grows on the debt. So SSI people have to go to court each time the account is frozen to prove the income is SSI to have it released. There is also no limit to how many times a freeze can happen. So a collector can freeze your account every month for the rest of your life if they want to. You can’t file bankruptcy later as court judgements cannot be discharged in bankruptcy. My mother listened to legal aid and is now 11 years into a debt that could have been discharged. She just had it renewed for another 10 years last year. She was told the same thing by legal aid 11 years ago. So she sent letters to the creditors and they sued her in court. Legal aid said not to bother going as they would have proof of the debt so they will win, but can’t touch her income. So after they froze her account, they threatened to do it every month if she made no payments. So she made an agreement to pay them $15 a month until the debt is paid. That is laughable as the total is over $7,000 now with interest, and growing. They figured out she had a disposable income of $15 every month so that is what they demanded or else they would keep freezing the account just to cause hardship. So she is trapped and will never get it paid off or settled now. I am trying to avoid the same situation of have a life long debt. I can’t afford a lawyer and legal aid flat out refuses to help. There is no online help I can find so I am stuck doing it myself. I did find that people like me that are low income can have the court filing fees waived, by law, so I do not have to pay to file in court or pay for the credit classes beforehand. I did not know that was possible before.

You can usually keep your primary home and car (as long as it's not a super-expensive car) in bankruptcy. Court figures, you have to live somewhere and have a way to drive to work

Chapter 13

Banks and credit unions often let people sign a reaffirmation agreement in a Chapter 7 to help them keep their car loans through and after bankruptcy (depends on payment history and contract)

Upsolve

I'm not an expert but I believe when you file it there is a thing called an Automatic stay which will immediately put actions from collectors to halt. But there are some exceptions and it may vary state to state so you'd have to find out.

Ask them to validate the loan.. ask to see the promisary note ..that has that third party collector on it saying you owe him. They don't have it. You don't owe them anything

How did it go?

No

No

You’re right, I just tried and it routed me to a lawyer. Is this perhaps the first step? I’ll call the lawyer when they open to find out

if you are that dumb to not be able to follow a simple questioner where only you have the answer then yes you will definitely need a lawyer but this is exactly like doing taxes, very easy and yes it does take time but once you are done and like I said there is no reason for you to mess it up..

Its ridiculous that you can't just talk in simple language to a judge. They want you to do everything in such a strange way..iys so weird. That way wr have to pay thousands for a lawyer and u can't just state your case and if your poor then? I guess uour screwed

Your wrong

@@montyhades have you filed bankruptcy without an attorney?

@sadie jones yes I did, I'm not going to say it's easy but it's not hard either, there are a few classes the court will make you take and the forms are in your state website. Here in California it's all time consuming but at the end if everything it's filled correctly then you will be fine. The best part of doing it yourself is that the moment to file the first motion for bankruptcy you can stop all the mail and phone calls from debt collectors.