bankruptcy rates
Can you file bankruptcy if you refinanced once already?
My mom is in risk of losing her home due to credit cards raising interest rates and their not being able to keep up with payments. Her wages are going to be garnished and is worried about not being able to make mortgage payments. She refinanced once. Can she file bankruptcy if she refinanced?
Your mom needs to get into see a bankruptcy attorney asap. They are the ones that can answer this question for her. Most will see her free the first visit. She can stop the garnishment of the credit card debt with a bk filing, but only a bk attorney can tell her what she qualifies for. Contact a few in your area, she needs to see 2 or 3 so she can compare rates, not all charge the same fees, and pick the one that she is the most comfortable with. Make sure they see her the first time free. She’ll get a rate on the retainer fee to file. But…she needs to do something before the garnishment starts and see what the attorney can do for her. Good Luck!
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