Subscribe to our mailing list

X

Where Can I Get the Bankruptcy Forms to Deal With My Debt?

By on August 4, 2016

Question:

Dear Steve,

Hi, I have been retired 6 years and need to file chapter 7, I am single and my rent is 90% of my take home. And I am looking for work but it seems they still check your credit history, and of course my age.

What papers form number do I need and where can I get them. This is been going on for about fives times.

My total owed under $20,000. maybe a lot less.

But returned back to school, and got my degree about 6 years ago, and owes around $56.000. which l know l cannot claim for bankruptcy.

What forms do l need and their numbers.

Thank You,

Robert

Answer:

Dear Robert,

Let’s back the bus up here. There are so many issues to deal with.

Simply having the forms to file bankruptcy is not the issue. You can find all the forms here. But I am in full agreement with the position of the United States Courts, “However, seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes.”

In my experience, while some people do file their own bankruptcy petition, most do it without really knowing what they are doing. That is not smart.

You mention your rent is the majority of your income. Exclusion by a future landlord may have more to do with your ability to afford the rent and not if you file bankruptcy. Generally, private landlords are a lot more lenient than a commercial apartment complex.

You don’t mention what type of student loans you have. If they are federal loans then you could consolidate them and use an income driven plan to significantly reduce or eliminate your federal student loan payment. See this post.

If these are private student loans then you should discuss how to best deal with them through bankruptcy by either pursing a discharge or a long-term repayment plan through the court.

READ  Bankruptcy Filings Spike With Tax Refunds

The best advice I can give you is to go meet with a local bankruptcy attorney and don’t try to make a mess of this by doing it yourself.

morehelp1
Choice1 Choice2 Choice3 Big Hug!
Get Out of Debt Guy - Twitter , G+ , Facebook
If you have a credit or debt question you'd like to ask just use the online form .

Last step, fill out the information below or call us for Priority Assistance.

What problems are you having with your report?

Your first name is required. Your first name is required to be at least 2 characters. Your first name cannot be longer than 50 characters.
Your last name is required. Your last name is required to be at least 2 characters. Your last name cannot be longer than 50 characters.
Your email is required.
Your phone is required. Your 10 digit phone number is required.
Your state is required.
Your age is required. Your age must be greater than 18. Your age must be less than 100.

By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of Use and Privacy Policy and to receive electronic communications. We take your privacy seriously. That you are providing express "written" consent for Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS - charges may apply), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Consent is not required as a condition to utilize Debt.com services and you are under no obligation to purchase anything.

By clicking on the “Contact me” button above, you consent, acknowledge, and agree to the following: (1)That you are providing express “written” consent for Lexington Law Firm, Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may apply), or dialed manually, at my residential or cellular number, even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list; and (2)Lexington Law’s Privacy Policy and Terms of Use and Debt.com’s Terms of Use and Privacy Policy. Consent is not required as a condition to utilize Lexington Law or Debt.com services and you are under no obligation to purchase anything.

About Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Share a Comment / Leave a Reply

%d bloggers like this: