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[quote=Anonymous][quote=Anonymous]
how will this play out most likely? from what i read, they probably can't take the car or house, though a judge may put a lien on his property?  can they force the sale of his condo to pay the debt?  [b]can he declare bankruptcy (but we are really confused as to how to pay a bankruptcy lawyer when you have no money to begin with....??)[/b]

[/quote]

I am in the middle of filing my own bankruptcy because unable to pay a lawyer. Actually, a lawyer advised me to file myself because if you have nothing, it makes little sense to pay $1500+ for the straightforward process that goes fine without professional help [i]if you follow all the instructions.[/i] I am using the guide"How to file chapter 7 bankruptcy" by NOLO. In a simple chapter 7 case, you fill out about 50 pages of questions about assets/liabilities, organize the documents in exactly the way the local court asks, file, come in for one meeting and then they dismiss the debt. You do have to follow all the directions exactly, because the court may reject the case if you staple the documents vs paper clip. But other than that, the questions are simple.

DC courts offer times twice a month to answer questions for people who are self-filing. Maine may have a similar service. Also, if you self-file then you can ask the court to waive the $300 filing fee.

The kinds of things you need to know to fill out the documents yourself:
-inventory of all his possessions and how much they are worth at current retail, so likely at thrift store prices. Professional appraisals for antiques, jewelry, etc. 
-to whom he owes and how much
-how much he spends monthly on food/housing/etc, etc 
-all sources of income.

There's nothing complicated about the forms. So if you or a relative have the time to DIY this, then it is a realistic option.[/quote]

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