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re: What's it cost to declare bankruptcy?
Posted on 12/28/17 at 12:22 am to OldSouth
Posted on 12/28/17 at 12:22 am to OldSouth
He doesn't have hospital bills he's going to owe? In 2010, I was in the hospital for a couple of months, and had 11 different surgical procedures. Had really good insurance, but still owed about $8000.00 when I got out. I was getting bills from doctors offices the insurance didn't pay for another couple of months.
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Posted on 12/28/17 at 2:06 am to OldSouth
It is 2017 (almost 2018), so follow these steps:
1) Open a GoFundMe account for your Uncle.
2) Take his next Wal Mart paycheck to a Public Relations agency and get them to pitch his sob story to the media.
3) Your Uncle can retire from the windfall.
1) Open a GoFundMe account for your Uncle.
2) Take his next Wal Mart paycheck to a Public Relations agency and get them to pitch his sob story to the media.
3) Your Uncle can retire from the windfall.
Posted on 12/28/17 at 5:55 am to OldSouth
Under the new laws I think you have to do a Chapter 13 where you set up a payment plan to pay monthly until all debts are paid off.
The legal fees are rolled into the payments.
The legal fees are rolled into the payments.
Posted on 12/28/17 at 6:39 am to OldSouth
quote:
About a month now. / Not really, he's had to leave in the middle of his shift a couple times. He's really lost all hope at this point. The process for filing for disability is insane too.
Sorry to hear about your relative. You can thank useless people like my ex wife for making the process so difficult. Perfectly capable of working but wants to live free and be a full time drug addict.
Posted on 12/28/17 at 7:48 am to UncleLester
quote:
It is 2017 (almost 2018), so follow these steps:
1) Open a GoFundMe account for your Uncle.
2) Take his next Wal Mart paycheck to a Public Relations agency and get them to pitch his sob story to the media.
3) Your Uncle can retire from the windfall.
quote:
UncleLester
Posted on 12/28/17 at 8:01 am to OldSouth
You need to start applying for disability immediately. You will probably be turned down. You will need a doctor to declare you unfit to work. Once you have that you will have to hire a lawyer to get you disability. Once you are approved they will back pay you from the date you first applied for it.
I’ve known several people who got quite large checks from this. It can take quite a long time for this process to play out. Good luck
I’ve known several people who got quite large checks from this. It can take quite a long time for this process to play out. Good luck
Posted on 12/28/17 at 8:07 am to Jcorye1
This seems like a good thread to remind people of the benefits of long term disability. If you don't have it, consider it.
Posted on 12/28/17 at 8:41 am to redstick13
quote:
You can thank useless people like my ex wife for making the process so difficult.
90% are rejected for their initial SSDI disability claim. Depending on your location, at the appeals level, almost half win their case. Some judges are very, very difficult. And in my experience it's a total crapshoot. I did appeals for about a year, only took what I thought were absolutely slam-dunk cases with great medical records. I lost an appeal for a guy with full-blown AIDS (and was missing a thumb) because AIDS only meets a disability listing if it includes chronic diarrhea or other complications. The judge asked all sorts of irrelevant questions about his lifestyle & arrest record. That one is being appealed to the Appeals Council. I lost all faith in the system after about 6 loses.
This post was edited on 12/28/17 at 9:26 am
Posted on 12/28/17 at 8:51 am to GaryMyMan
It really depends on what ALJ you get in front of. I’ve had some mystifying experiences too.
Posted on 12/28/17 at 9:16 am to OldSouth
It's free
Posted on 12/28/17 at 9:34 am to The Torch
quote:
Under the new laws I think you have to do a Chapter 13 where you set up a payment plan to pay monthly until all debts are paid off.
The legal fees are rolled into the payments.
Incorrect. He needs to take a means test to figure out if he qualifies for a Chapter 7 ($335)or 13 ($310). But get a lawyer.
Posted on 12/28/17 at 9:39 am to OldSouth
quote:
I have an uncle that recently had a massive stroke and can't work anymore. He's single and in his late 50's. I'm trying to help him get on disability and file for bankruptcy. Anyone know what the typical legal fees are for filing for bankruptcy?
FYI: Cheap(unethical) lawyers will push you into a Chapter 13 when you actually qualify for a Chapter 7. Chapter 7's cost more than Chapter 13 (where the lawyer can collect fees from your monthly repayments). They'll advertise $899 Chapter 7's which are never this cheap.
Once he gets disability income, do not co-mingle the money. This income cannot be garnished by bill collectors.
This post was edited on 12/28/17 at 9:41 am
Posted on 12/28/17 at 9:46 am to Chucktown_Badger
quote:
It basically destroys your ability to ever get a loan or credit of any kind ever again.
Completely false. I've had clients get new mortgages/car loans/credit cards within a year of discharge. Some exit with 700 credit score.
quote:
And they look at everything, and liquidate it.
Also, completely false. WTF dude?
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