Bankruptcy is not easy or cheap


Eventually this should pay off, but right now it is downright difficult. Everytime I turn around there is another fee, some of which might be waived. Then they want more paperwork. The letter claims we discussed it, but I don’t remember it. I don’t know if it is my anxiety stopping me from remembering or the lawyer doing his standing thing without really having said it, but just thought he did, plus I have been through this before back in 2004.

Confused? Join the club.

In order to pay these additional fees I have to cancel all my dr appointments for the next couple of months. And that is just the the normal fees. If one or more of the creditors want to sue me, I would have to retain him at his hourly rate to have him defend me. That is not cheap. He charges $350 for each billable hour.

Of course I am anxious and can’t get his assistant on the phone. I am surprised I slept at all last night.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – http://www.finallyawriter.wordpress.com (this blog contains my old work), new work is on this blog http://www.tessacandoit.com

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10 thoughts on “Bankruptcy is not easy or cheap

  1. morgueticiaatoms

    You’re making me appreciate the cheapo deal first hubby and I got when we filed back in the 90’s. Five hundred fifty bucks for the whole thing and once it was filed, all debtors had to call his office, couldn’t speak to us or take action against us. Different laws these days, I guess, plus different states.
    Hope it works out for you. ❤

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    1. Tessa Post author

      They changed the laws in 2005 the year after I filed. Once filed they can’t call me or harass or we cab sue them. My costs are already up to approximately $1600.

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  2. donnainthesouth

    wow, but guess be glad you don’t have anything to lose; hub had the appt. set, after having been out of work for almost a year, the day he got called for a job; found out later, if he’d filed first he’d have not only not been able to get that job, but not any other like it

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  3. FLO

    I am so sorry you have to go through this. You have more than your fair share of miseries. So, has the lawyer started the process or is he waiting for his money up front? Cyber hugs to you. Are you warm enough these days? Sure do hope so. It’s pretty cold. The cats run out to the porch for a visit to the outer litter box and race back in(if they’ll go out there at all!).

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    1. Tessa Post author

      He won’t start until he has all of the money. Keeps finding fees. I am freezing. Dad trying to keep costs down and it is freezing in here. I shook so bad the other night, Added extra blanket and finally turned on the space heater, as I couldn’t take it any longer.

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