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Question
i am a resident of virginia who do i get the proper credit report from in the proper form? who do i get the credit counsel certificate from? or do i file to try to make myself exempt from this. i am trying to file myself i do not have the money for a attorney and it is all so complicated sometimes i do not even understand what they are asking for in the questions. thank you
Bankruptcy is an absolutely incredible legal remedy for people with debt trouble. It really can give a fresh start, if you play by the rules! However, inexperienced people can't help but trip over the maze of those rules and regulations.
I know it is tempting for you to "save money" and do this yourself. It's no wonder to me that you and most other people find this, as you yourself said, "...all so complicated sometimes i do not even understand what they are asking for in the questions."
Unfortunatly the credit card companys (who pushed Congress to pass this new BK law last year) have made the legal proceedures and rules so much more complex than they ever were before. They don't want you to understand, because they don't want you to file. Get it? (Just for the record, bankruptcy lawyers were NOT for this law. We fought it all the way, and we lost.)
There is no way I can give you you a sufficient legal education in the space of an email to prepare you sufficiently to handle this case on your own.
Simply put, if you can't afford to stay in debt, you can't afford to do do this on your own. You have got to get some qualified professional help.
I have been working hard on writing a simplified guide to the new law, written on a level that most lay people can understand. It is not a substitute for getting professional help, but I hope it will help you and other folks to unravel what now looks so mysterious. It is almost ready, and will appear in a few days on my web site at: www.debt-relief-bankruptcy.com
You may be able to get a free credit report at: https://www.annualcreditreport.com/cra/index.jsp
To get a list of approved credit counselors, go to:
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
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Answers by Expert:
Los Angeles Bankruptcy Lawyer Leon D. Bayer
Expertise
Leon Bayer has successfully represented clients in bankruptcy for over 30 years. He is frequently called upon by the media, the California Bar and other associations to provide insight and help educate attorneys on bankruptcy issues. If you or other readers want to keep up with my blog postings about life in and out of bankruptcy, you can follow my blog at http://www.bankruptcyblogger.org/ and my personal web site at http://www.debt-relief-bankruptcy.com and A Human Guide to Bankruptcy at http://www.thebankruptcyguide.net/ Leon also writes about bankruptcy law for Nolo, see http://www.nolo.com/law-authors/leon-bayer.html and his "Ask Leon" bankruptcy law blog column at http://blog.nolo.com/bankruptcy/
Experience
Leon is a Certified Specialist in Bankruptcy Law by the State Bar of California, and has been a practicing bankruptcy lawyer in Los Angeles, California for 33 years.
Organizations
National Association of Consumer Bankruptcy Lawyers, California Bar Association, Los Angeles County Bar Association.
Publications
Author, ?The Essentials Of Chapter 13,? Daily Journal Report, December 18, 1987.
Contributing Editor, Basic Bankruptcy, California Practice Handbook, Matthew Bender 1992, 1993.
CEB Consultant, CEB-Personal and Small Business Bankruptcy Practice in California, 2003.
Education/Credentials
B.A., J.D.
Awards and Honors
President, 1995-1996-Los Angeles Bankruptcy Forum; Member - Los Angeles County Bar Association Committee on Commercial Law & Bankruptcy, 1988. Law Advisory
Commission-Personal & Small Business Bankruptcy Law of the State Bar of California, 1996-2000
MR. BAYER SAYS: The big banks and credit card companys have been working overtime for many years to undermine the Consitutional right of the American people to be able to claim bankruptcy protection. In 2005 the banking lobby successfully convinced Congress and the President to make the laws and proceedures more complicated, hopeing that it will stymie legitimate people from filing bankruptcy. They succeeded in gaining these complex new legal proceedures by greasing the legislative system with hundreds of millions of dollars in "campaign contributions." The good news for the American people is that while the new laws have made the proceedures needlessly complex to the point where inexperienced people can't help but trip over the maze of new rules and regulations, the process is still doable, especially with a lawyer who is well trained and experienced in this specialty.
Past/Present Clients
I have probably handled something on the order of about 15,000 bankruptcy cases thropughout my career.
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