Comments on: If I file bankruptcy will I be relieved of my credit card payments? http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments Filing For Bankruptcy Fri, 10 Feb 2012 01:01:05 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: collection agency http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-2670 collection agency Thu, 09 Feb 2012 18:15:43 +0000 http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-2670 <strong>…[Trackback]...</strong> More info... …[Trackback]…

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]]> By: Sgt Big Red http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-893 Sgt Big Red Tue, 08 Dec 2009 12:57:25 +0000 http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-893 In your case, not owning any assets would most likely qualify you for a chapter 7 bankruptcy. You would have to take a means test to see if you qualify for chapter 7 bankruptcy. 1st. Stage of the Bankruptcy Means Test: Check to see if the monthly average of your last 6 months gross income is below the median income for your state. If it is you can file Chapter 7: State Median Incomes West Virginia 1 eaner $37,275 Family Size 2 people $41,280 3 people $49,111 4 people $57,552 2nd. Stage of the Bankruptcy Means Test: If your income is slightly higher than your state's median income you may still be able to file Chapter 7. Your bankruptcy lawyer will be able to make this calculation and also advise on allowable expenses that can be used in the calculation. Also, a person filing Chapter 7 bankruptcy will have to take an approved Credit Counseling Course within the 6 months before he or she files. Your bankruptcy lawyer can set this up for you. In some cases the course can be taken over the Internet. You will also have to complete an approved Financial Management Course before you can be discharged. Your bankruptcy lawyer can set this up for you. Here is a link to download the form you will have to fill out As to the cost, it varies but on avverage it costs about $300 to file a Chapter 7 bankruptcy. A bankruptcy lawyer's fees vary but should be in the range of $1,000 to $2,000 Hope this helps answer your questions NOTE: This communication is not intended as and should not be interpreted as legal advice but is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to constitute legal advice to any person reviewing such information.. In your case, not owning any assets would most likely qualify you for a chapter 7 bankruptcy.
You would have to take a means test to see if you qualify for chapter 7 bankruptcy.
1st. Stage of the Bankruptcy Means Test: Check to see if the monthly average of your last 6 months gross income is below the median income for your state. If it is you can file Chapter 7: State Median Incomes
West Virginia
1 eaner $37,275
Family Size
2 people $41,280
3 people $49,111
4 people $57,552

2nd. Stage of the Bankruptcy Means Test: If your income is slightly higher than your state’s median income you may still be able to file Chapter 7. Your bankruptcy lawyer will be able to make this calculation and also advise on allowable expenses that can be used in the calculation.

Also, a person filing Chapter 7 bankruptcy will have to take an approved Credit Counseling Course within the 6 months before he or she files. Your bankruptcy lawyer can set this up for you. In some cases the course can be taken over the Internet. You will also have to complete an approved Financial Management Course before you can be discharged. Your bankruptcy lawyer can set this up for you.

Here is a link to download the form you will have to fill out

As to the cost, it varies but on avverage it costs about $300 to file a Chapter 7 bankruptcy. A bankruptcy lawyer’s fees vary but should be in the range of $1,000 to $2,000

Hope this helps answer your questions

NOTE: This communication is not intended as and should not be interpreted as legal advice but is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney’s individualized advice for you. By reading the “Response” to your question or comment, you agree that the opinion expressed is not intended to constitute legal advice to any person reviewing such information..

]]> By: bgramsrule http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-892 bgramsrule Sun, 06 Dec 2009 19:52:08 +0000 http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-892 I don't know how much it would cost, but it would hold off creditors, and protect you from making payments. I don’t know how much it would cost, but it would hold off creditors, and protect you from making payments.

]]> By: misslabeled http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-891 misslabeled Sat, 05 Dec 2009 21:23:58 +0000 http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-891 Unless your debts equal several thousand dollars bankruptcy is probably not the best thing. Most attorneys will consult for free, so I recommend you do that first. It is possible to file yourself, which is what I did a long time ago. The filing fee was around $100, if I recall. Could be very different now. Unless your debts equal several thousand dollars bankruptcy is probably not the best thing. Most attorneys will consult for free, so I recommend you do that first. It is possible to file yourself, which is what I did a long time ago. The filing fee was around $100, if I recall. Could be very different now.

]]> By: golferwhoworks http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-890 golferwhoworks Thu, 03 Dec 2009 01:10:38 +0000 http://filingforbankruptcysite.com/if-i-file-bankruptcy-will-i-be-relieved-of-my-credit-card-payments#comment-890 about $1500 to file with an atty. But you may not even have enough to file over get a job and become responsible for YOU about $1500 to file with an atty. But you may not even have enough to file over get a job and become responsible for YOU

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