file bankruptcy pennsylvania
Is there a minimum of debt I have to have to file bankruptcy in Pennsylvania?
Also do you know of any bankruptcy lawyers in the Western PA area?
Basically I went into debt consolidation through a non profit organization. I paid them one monthly payment and they dispersed it to all 3 of my creditors.
They have had problems with American Express accepting a proposal, or accepting a proposal then a month later saying no they wanted more than that. So basically they defaulted my account 2 times for this proposal problems and now they want immediate payment of $2,300. I do not have that kind of money. I go to school full time, live it at home, drive a car owned by my mom, and work a part time job.
I have tried compromising with them, but they won’t budge. And my mom won’t bail me out because she feels I need to fix this myself. I know bankruptcy is a major step but I am just trying to look at all of my options.
Also if you know of anyone who has gone through a similar situation with American Express let me know. I would love someone to talk to about this.
Yours is a classic example of some of those rip off agencies, they take your money, leave you high and dry and don’t rely do anything.
As far as bankruptcy goes, here are the new rules.
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.
As you can see it’s not simple anymore. I will provide you with the links to find a govt approved agency to help you with this.
Hope this is of help to you.
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
Govt approved credit counseling agencies.
http://www.ftc.gov/credit
FTC WEB SITE
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