I WANT TO KNOW MY OPTIONS OR ANY ADVICE ON BANKRUPCY.

I LIVED IN THE STATE OF OHIO FROM 1992 UNTIL NOVENBER OF 2007, AND OTHER THAN A FEW ISSUES WITH IDENTITY THEFT I HAD ALMOST PERFECT CREDIT UNTIL. THE BEGINING OF 2007. WHEN DUE TO MAJOR LAYOFFS AND VERY FEW WORK I STARTED TO GET BEHIND ON PAYMENTS ON MORTGAGE AND CAR. WHICH ONLY CONTINUED TO GET WORSE, AND I MADE A DECISION TO RELOCATE TO NC IN HOPES OF BETTER JOB.BUT IT DIDN’T HAPPEN. INSTEAD I NOT ONLY GOT MORE BEHIND, BUT MAXED OUT MOST OF MY CREDIT CARDS.. MY HOME WENT INTO FORECLOSURE AND MY TRUCK REPOSESED. I AM NOW IN SO MUCH DEBT AND HAVE NO IDEA ON HOW TO FILE FOR BANKRUPCY…HELP!!

Asked on May 15, 2009 under Bankruptcy Law, North Carolina

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

You can go to the local federal courthouse and pick up the papers to file for bankruptcy for free.  Online there are self help kits to guide you through.  If you live near a law school go to the legal clinic there for help.  Otherwise you can try the legal aid office in your area.

Good luck.


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