nyc bankruptcy attorney
filing for chapter 13 bankruptcy?
I am thinking of filing for chapter 13 bankruptcy. I don’t qualify for chapter 7. There is a few things I don’t understand, if I owe a total of 30,000 with creditors, some of which had interest and late fees accumulate. Will I be able to have the court take of the interest that accumulated. For instance I have a credit card with $5000 balance and due to late payments & interests its $9500. Will I be able to remove the extra $4500 that was incurred.
Can I file the paper work myself? What would it entail? I checked a lawyer in NY and he wanted $3000. The reason why I am filing for bankruptcy is because I can’t afford the bills. Does anyone know the typical fee for a bankruptcy attorney in NYC.
Do I have to pay the attorney in full for the creditors to stop calling?
How does filing chapter 13 affects getting a job down the road, particularly in the engineering field, IE utility, phone, construction etc.?
the judge is going to decide how much you have to repay based on your income level
use a lawyer – you will never figure everything out without one and could make things worse
he won’t file the paperwork until you pay him in full – most of that cost probably IS filing fees, so you won;t save much by trying to figure out things yourself
once the BK paperwork is filed and you have a case number, tell the creditors the case # and they are not allowed to call you any more after that
