I'm a single black mother that is raising a wonderful lil boy!!!
Well today I talked to the lawyer. The process of bankruptcy seems relatively easy. I have to give it to EBZ , you were right on the money of how much it's gonna cost. $800. You go girl!!! And I have to take money managing classes (he told me this would be over the phone and it's no big deal).
The lawyer was very nice and called me promptly around 8:30ish this morning. I was in the middle of something at work, so I had to call him back.
Well I had a few questions for him:
1. If I file bankruptcy with hospitals, am I able to go back? He said probably not. So the main ones that I won't right off is me and my son's Dr.s, the rest of them....TO HELL WITH THEM!!!
2. I work for a municipality and was trying to get into another one. Will this hurt my chances? No because a place of employment can not judge you on your credit hisotry.
3. My sister has a car in my name, what will happen to her car? He said that if I file the car and she is deliquent in anyway (meaning always late or past due) they would repossess the car. Of if she is currenct and she falls behind anytime before it's paid off, they will repossess the car.
So I called my sister and gave her the message. She called me back with another message and told me that she talked to the place where she is financing the car thru and they told her she has to fill out some papers when I file. She really didn't go into detail, but I hope they push the loan over in her name ONLY!!! Cuz I am sick of her paying her shit late. She really don't see that she is affecting my shit even more. And if I wanted to be a bitch, I could get her shit repossessed in a heartbeat. But I am so not like her. I just can't fuck people over like she does. But anyways...
The best part of the deal is on my appointment date, all I have to bring is 3 or 4 paystubs, any bills I want to write off, my credit report, and $100!!! The rest of it, I will be on installments!!! I was really happy over that part. So folks my appointment is on Tuesday, August 1st at 3:30pm. I feel so much better now. I don't feel bad like I was last week.
SO WISH ME LUCK...!!!
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