Comments on: 5 Questions You Need To Ask if You Are Considering Bankruptcy http://achingdebts.com/5-questions-you-need-to-ask-if-you-are-considering-bankruptcy/ Survive the Tough Times, Get Out of Debt and Save Money Thu, 18 Aug 2011 17:01:41 +0000 hourly 1 http://wordpress.org/?v=3.0 By: CindyS http://achingdebts.com/5-questions-you-need-to-ask-if-you-are-considering-bankruptcy/comment-page-1/#comment-35 CindyS Tue, 29 Jan 2008 21:56:00 +0000 http://achingdebts.com/?p=48#comment-35 Bouncing Back, Thank you for your advice and support. I need all of both that I can get right now. It's good to know that this is not the end of life as I know it. <br/><br/>I am still not convinced that this is what I need to do, however, I need to do something. Then again, I have been burying my head in the sand and thinking that I would work a little harder and next month would be better for a long time now. Bouncing Back, Thank you for your advice and support. I need all of both that I can get right now. It’s good to know that this is not the end of life as I know it.

I am still not convinced that this is what I need to do, however, I need to do something. Then again, I have been burying my head in the sand and thinking that I would work a little harder and next month would be better for a long time now.

]]> By: Bouncing Back http://achingdebts.com/5-questions-you-need-to-ask-if-you-are-considering-bankruptcy/comment-page-1/#comment-34 Bouncing Back Mon, 28 Jan 2008 15:25:00 +0000 http://achingdebts.com/?p=48#comment-34 The credit counseling certificate is needed before your attorney can file your paperwork with the court.<br/><br/>Like you I was only able to get a repayment schedule with one bank, the other two banks did not want to deal with me. I was willing to make payments, they wanted all or nothing and did not want to meet halfway.<br/><br/>The listing of your personal assets and liabilities is hard. You have to place a value on your possessions (somethings like your house,car, any antiques are done at appraised values or blue book). <br/><br/>Once you fill out all the paperwork, your attorney can further advise you on either CCCS, C7 or C13.<br/><br/>Good luck, the process can stink at times, but I managed to survive it with most of my dignity intact! The credit counseling certificate is needed before your attorney can file your paperwork with the court.

Like you I was only able to get a repayment schedule with one bank, the other two banks did not want to deal with me. I was willing to make payments, they wanted all or nothing and did not want to meet halfway.

The listing of your personal assets and liabilities is hard. You have to place a value on your possessions (somethings like your house,car, any antiques are done at appraised values or blue book).

Once you fill out all the paperwork, your attorney can further advise you on either CCCS, C7 or C13.

Good luck, the process can stink at times, but I managed to survive it with most of my dignity intact!

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