Im looking for an experienced bankruptsy Attorney as I am a Debitor with whom just now got a bank account levy and need help.
This was an old debt around 10k in 2011 that evidently was pending without my knowledge.
They claim the amount now is 32k.
My accounts were at zero balance one morning. I received no notice, no idea this was going on nor was I contacted or ever served. I am having a Financial Hardship as my family just buried my father a few weeks ago. I am supporting my Mother and struggling.
I live in Las Vegas and need to see what my options are.
Please contact me at 702-462-0566 Catherine
4 attorney answers
I agree with all prior answers. First, meet with more than one attorney and decide with whom you feel most comfortable. Any good bankruptcy lawyer will give you a free consultation to determine whether you are a good candidate for bankruptcy. Don't go with the cheapest - for as tempting as that can be, consider the lawyer's qualification. As how long they've been practicing, and whether they primarily or exclusively practice in the area of bankruptcy law. Bankruptcy is an extremely detailed and specialized area of law -- there's a reason we have our own courts and judges! Check online to see if there are any complaints filed against the lawyer -- AVVO lists these on the profile page of each lawyer. Good luck!
I would contact three (3) Consumer Bankruptcy Attorneys where you live. Most Consumer Bankruptcy Attorneys offer a free consultation. Different states have a certain amount of time called a Statute of Limitations in which to collect a debt. This is not legal advice.
You are lucky. One of the TOP bankruptcy attorneys in your state already answered you. Give Dorothy a call! And remember: If you need eye surgery, do you want the best eye surgeon or the cheapest? Think about that. Then call her. You can see all her many answers on AVVO for many years..and it one of or the top attorney doing so depending on which chapter..but her answers show her knowledge too. See her reviews..then call her is my advice.
But you asking that question means or implies you have NOT done the most important thing: to call and discuss personally your case with an experienced bankruptcy attorney as many other facts and issues can gravely affect your case! You need and want to enjoy your fresh start also. But the most important thing is to meet with an attorney as you asking this question means you have not. You care about 2 goals: keeping everything you have equity in and discharging all your debts. If you don't have any of the exceptions to discharge you will obtain that goal; most exceptions are set forth in 11 USC. 523 (Google it) like child support, some income taxes, traffic (in a ch 7) and criminal fines , and presumption of student loans. But some debts are dischargeable in a ch 13 but NOT in a ch 7 so you want to make sure and your attorney will discuss any such types with you also!
Your exemptions depend on what state you have lived in in the last 2 years and thus if in your state, then your states exemptions will apply. Most persons filing keep everything they own but your attorney will confirm that with you when they learn everything you own and the equity thereof!
Some secured debts like homes, vehicles, other secured debts an attorney will discuss your options on also as you must list any debts; but that does not mean you will lose them unless you have too much equity or are in default on paying for them! Discuss those options if they apply with your attorney too.
But other issues can arise that can greatly harm your case. Just one example: If you paid back a relative $3,000 11 months ago and now file bankruptcy next week, the trustee can SUE that relative to retrieve that $3,000 (under what is called a preference) for the benefit of the bankruptcy estate. As a result, most attorneys don't charge to meet with them the first meeting so meet with one no matter what.
Many great attorneys can be found right here on AVVO in your state so look, call, and meet one as soon as you can.
You should also want to know when to file: is there an advantage of waiting versus filing now and who should you pay between now and then! Good luck and enjoy your later fresh start.
Avvo has a "Find a Lawyer" search bar at the top of this page which you can use to review the qualifications of the many bankruptcy attorneys in your community. The Q&A site is here to obtain answers to legal questions, such as "will bankruptcy help me?" Hope this perspective helps!
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