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Reply to "Talk to me about bankruptcy "
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[quote=Anonymous]Hi, OP. I'm a retired lawyer. I didn't handle bankruptcies, though, so I don't know as much as I'd need to before feeling comfortable enough to advise you on specifics. I will say this, though: if you do decide to file for bankruptcy, whatever a lawyer charges you will be far, far less than what you're currently paying your credit card companies. You will be able to afford it. Yours sounds like a fairly simple consumer bankruptcy and shouldn't cost much. The one piece of non-lawyer advice that I can give you is to call your credit card companies and see if you can negotiate a payment plan with them that you can manage without declaring bankruptcy. Most companies will do that -- it's not in their interest to have you declare bankruptcy, as they'd rather get something than nothing. Just be sure to tell them that you are overwhelmed and bankruptcy is your only option unless they will work with you. Good luck. [/quote]
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