Big Decision/bankruptcy

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      Before you go to an attourney go to consumer credit counciling. Save your respectability and your peace of mind. They charge nothing.

      They will help you get back on track. It won’t be easy or done overnight. You only want to go bankrupt as an absolute last resort.
      — On Wed, 7/2/08, Ellen wrote:

      From: Ellen
      Subject: : Re:Big Decision/bankruptcy
      Date: Wednesday, July 2, 2008, 6:08 pm

      I hate to burst your bubble but you are both wrong. Yes the laws
      changed in 2005 to reduce the amount of abuse being found in the
      system. I work for a bankruptcy attorney and only in a chapt 13 do you
      pay on secured creditors.

      You dont pay anyone in a chapter 7 unless it
      deemed by the trustee as an asset case. Then you must had over your tax
      refunds and stimulas checks to be parted out among the creditors.
      Bankruptcy is a tough decision to make, however, it is your legal right
      and remedy. Dont listen to what is on the boards, get a consult with an
      attorney and find out exactly what your situation calls for.

      Each case
      is unique and requires the right attention in order for it to be
      successfully completed

      Regards, Ellen

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