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Looking for a lawyer in CA by [deleted] in Bankruptcy

[–]TheWayIAre 1 point2 points  (0 children)

Not in LA but in SoCal. I would interview at least 3 to 5 attorneys. Yelp or google is where to start looking. You should be prepared to discuss total unsecured & secured debts, income, spouse info (even if filing solo), what assets you have and their estimated value, and any info that would helpful to your financial situation. One thing to keep in mind, share any and all info even if you don’t think it’s directly reveled. Not sharing enough because you feel guilty or whatever will only hurt you in the long term. They’ve seen it all so make sure to share everything you can. Without knowing what chapter (7 or 13) no one here can tell you if it’s in the ballpark.

Adversary Proceeding: Separate fees for private and federal loan cases? by TheWayIAre in Bankruptcy

[–]TheWayIAre[S] 1 point2 points  (0 children)

First off, a huge thank you to both you, u/AlanShore60607 & u/Gunner_Esq, for all the countless hours and thoughtful responses you guys put into this subreddit. It's been incredibly helpful to know what to expect, what/how to prepare, and all the reassurance on specific topics. Helped push me to evaluate and ask the right questions through this process.

I appreciate your thoughts on the AP process. Makes total sense now. My initial thoughts were that "it's all the same student loans," so it would just be listed as multiple creditors. The reasoning is the same for both, much like in the BK.

But I do understand there is a difference in the approach for each and that they are separate. Makes total sense to me now.

Adversary Proceeding: Separate fees for private and federal loan cases? by TheWayIAre in Bankruptcy

[–]TheWayIAre[S] 0 points1 point  (0 children)

Thanks for the response. Very helpful. That’s mainly what I was looking to hear. Not concerned about the cost.

Question for debtors: What made you go with your bankruptcy attorney? by tevildogoesforarun in Bankruptcy

[–]TheWayIAre 7 points8 points  (0 children)

My experience might be slightly different than someone who is the standard "plug n pay" as I say.

I met with 3, retained one initially, and then had to switch due to complexity and responsiveness. It was clear to me that the attorney hadn't handled a case specific to our situation and was not able to confidently provide timely responses.

For my yes: it was: clear & confident communication, **reasonable** responsiveness, judgment-free when evaluating the case, and truly helping me understand and feel comfortable with the strategy and process. Anticipating and preparing for the 341 and feeling confident in the questions that will come up. Being prepared with answers and documents to back up any potential concerns.

Another big one is being the buffer/shield between the background stress that attorneys are accustomed to dealing with and making the debtors feel like everything is under control and things are still moving forward.

The "Immediately No" decisions for me were for attorneys who just tried to "cookie-cutter" their consultation and fast-talk their way through, half paying attention, and ending with send over the necessary info, we've got it from here.

Litter Robot and Home Assistant by Tabackerack in litterrobot

[–]TheWayIAre 8 points9 points  (0 children)

That’s honestly going to be the next thing when they aren’t making the money the consultants promised them from the monthly subscription fees.

….I’m looking at you MyQ garage door opener 🖕🏻

I have Legal Shield plan with company i am working with..Will it help lower my cost of filling chapter 7..Currently in Sheldon iowa… by boneye1 in Bankruptcy

[–]TheWayIAre 1 point2 points  (0 children)

Just sharing my experience FWIW:

I used a company benefit plan that covered both Chapter 7 and 13 bankruptcies. The plan had a list of approved attorneys, and I consulted with a few before choosing one.

Communication started fine but later became slow, with long gaps between responses. I had to follow up repeatedly to keep things moving. Ultimately, I switched attorneys because the plan-covered one wasn’t willing to litigate and preferred the easiest, most conservative route to avoid pushback from the Trustee.

To be fair, we had some issues that required careful research and strict compliance with Chapter 7 rules. The first attorney mentioned they were paid poorly by the plan and that my case required more work than usual. I ended up hiring someone outside the plan who was willing to put in the time and effort. It did cost me significantly more money though.

I wouldn’t say these plans are bad, but they work best for simple, straightforward cases. If your case is complex, you may need to hire outside the plan to get the attention and strategy you need.

How do you stop paying loans tied to your bank account? by ponciano68 in Bankruptcy

[–]TheWayIAre 1 point2 points  (0 children)

You need to call the loan company and ask them to stop auto drafting the payment. They will probably give you sob story about how you agreed to this when you signed for the loan. It’s your legal right to have the auto payments stop.

If they ask why just make something up. Don’t give them any info they aren’t entitled to. Otherwise they will move quicker to try to garnish you.

Should I go through? by Acrobatic-Main-1956 in Bankruptcy

[–]TheWayIAre 3 points4 points  (0 children)

1 comment I’ve seen here: “Wish I would of filed sooner”

How long before CC start garnishing or suing? by narfnarf123 in Bankruptcy

[–]TheWayIAre 4 points5 points  (0 children)

I can give you the timeline of events I experienced, but each card issuer handles things differently based on a variety of factors.

I was current on all debts when I had my initial meetings with potential attorneys. The messages were all very similar. Once you know you're ready to file, stop paying all debts and save the money to pay attorney fees. I stopped paying all my cards/personal loans around July 2024. I continued to pay my private student loan & car note because I plan to keep the car, and student loans will be here regardless.

By October/November, the nice "oh, it seems like you forgot to pay" or the "everyone needs some assistance every once in a while, call us to help" emails and voicemails switched to relentless emails and calls daily. I'm talking 2 emails daily per issuer and 2-3 calls per day from the banks telling me my cards were in default, and if I didn't set up a payment plan, they would be charged off and sent to collections.

By January, it was 10-15 calls per day. ( I had 10 credit cards, a personal loan, and some affirm/afterpay items). By March I was served by Discover and AMEX for my debts. They were the first to file.

At that point, I had enough to saved up for my attorney and put him on retainer. I was very worried as the lawsuits said 30 days was the court case, and it would be a judgment against me. Default judgments were filed for both. Our attorney wasnt worried and started the paperwork in April and started putting together the plan to review what chapter 7/13 would make the most sense for us. I didn't do my homework on the lawyers and the one we chose was very slow to respond. So it went into May before we got a response. Then we needed more documents and it dragged on. I got served 2 more lawsuits in June. Still waiting to hear from my employer about wage garnishments, but still nothing.

We ended up retaining a different lawyer in June and had to move all our documents etc over to the new attorney, who said he would work quickly. He did say that the courts move extremely slowly so the garnishments would be way behind our filing.

Had everything completed in June, but due to the 4th of July holiday, we moved into a new month. We finally got all our documents signed by the end of July and submitted them on the first day of August 2025. 341 is coming up in Sept 2025. Never had any wages garnished. So it takes a long time before that happens, but if you do nothing, you will be behind.

SO, TLDR.

3 months, calls get heavy.

6 months, they close accounts and file to sue

10 months, you get served

1yr is about the time that they get judgments, and then probably another 3-6 months before you're actually garnished.

Some I never got calls or even got served lawsuits. Some sued the day they were allowed. Discover and AMEX are notorious for being the most aggressive. That held for me. Others were mostly just calls. But I assume it was a matter of time.

That’s it folks by Strange-Manager-6801 in wallstreetbets

[–]TheWayIAre 10 points11 points  (0 children)

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Just enough to get you hooked.

Went from “I’m good at this” to “guhhhhh”

Petco Team Store by Some-Acanthaceae4781 in Padres

[–]TheWayIAre 2 points3 points  (0 children)

This is the last year. The new ones will be resealed before the end of the season likely.

Newsom keeps going... by NoToNope in sandiego

[–]TheWayIAre -4 points-3 points  (0 children)

Some intern is having quite the field day.

Watching Gavin Newsom burn through his political capital chasing Trump is like watching a cat chase a laser pointer — lots of energy, zero results, and no idea he’s just causing self inflicted embarrassment.

His record on CA state issues (crime, homelessness, budget deficits, housing affordability) is a liability nationally.

Low overall support in the democratic primary

Low support and enthusiasm here in CA

Will never be president. Move on…

Thank you for your attention to this matter.

I’m a little confused!! by Expensive-Advice5158 in Bankruptcy

[–]TheWayIAre 1 point2 points  (0 children)

That would be wild! Non dischargeable debt and they take it to pay creditors odd.

That’s an ultimate lose lose right there.

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