if you received a letter saying "attorney placement pending Feb 07, 2023 will get an attorney if you do not respond" can I file for bankruptcy online in time to stop this from happening?
Thank you so much for being clear and concise in your explanation. Just a wealth of information without taking an inordinate amount of time to explain it. Perfect!!!
Finding myself in this position, I had no idea what this entailed, or what was involved. Then I start looking into it and find out how much it costs. If I could afford that the thousands of dollars this typically requires, I wouldn't need to do it...
Great video. IMO bankruptcy is going to become more common in America with the pandemic. I also read where creditors are Slashing credit lines and cancelling cardholder accounts.
@@jacquimobile6992it didn't work for me. Before I signed up, it says we WILL NEVER ASK FOR $$$ PLEASE ENTER INFO TO SEE IF YOU QUALIFY FOR CHAPTER 7. LOL. as soon as I hit enter, I get a text from a law firm. It's a scam
At what point in the bankruptcy filing process are creditors notified to stop debt collection efforts? At what point are things like lawsuit proceedings haulted? Thank you.
I went through this and filled out the forms.........They wanted almost $4000+ from me before all can be started on Chapter 7. I am on SSDI and can not afford that, HELP ME PLEASE.
I recently got unemployed, My unemployment is still in progress for more than a month. I am so scared to file chapter 7. and I don't want to effect my spouse credit.
Hey Joseph, are you going to make a video of stocks to buy in June 2020? I liked the one you made in May and bought Phillips 66 as a result and have never been happier with my choice.
I crashed my loan car. Yes I know, stupid…. And to top it off my full coverage policy had been canceled and i didnt know so now im stuck with this debt and a car with $15,000 worth of repairs. Life really went downhill fast.
I tried your site, although my income is over 4400 per month the questionnaire should have asked if this income from VA disability, social security or a pension etc
This is WAY too much work. And how do you expect someone broke to afford a lawyer???? I don't have all the documents...WTF. I'll just let my 15,000 in debt accumulate, and ignore bill collectors. What is the worst that can happen? They won't send me to prison. I just can't ever get a loan or credit card again.
Hey Joseph, what are your thoughts on Nanotechnology, Artificial Intelligence, and 5G Stocks? I have a case of FOMO (fear of missing out) with these Stocks with regards to the above mentioned industry's: TSM, IBM, INTC, CSCO, QCOM, VZ. They all pay dividends, and are financially sound. Please let me know what you think.
I thought you had to file for the chapter 7 first and then take the credit counselling course? and then the deptors course after? Am I wrong in saying that???
Filled out form and because I own my home it just sent referrals out and now I have a bunch of people 500 miles away from me calling and emailing me. Total scam
I just came across this video. I checked out the screener and it says because I own a home (mobile home) it cannot help me. I have to pay for a lawyer to file. I cannot afford that. I am on SSI and have a 30 year old mobile home. After paying debts, I have about $5 left every month. I guess this screener is for people who have money, those that cannot afford anything can’t use this app.
@@jacquimobile6992 Hello, Sorry this is a little long; I have an old mobile home but pay lot rent. From what I have found online having to file myself, there is nothing extra at all to file as it is not a house or has any mortgage on it. Mobile home people rarely get assistance or help. Even our state laws for renters are different for mobile home owners Vs. apt or home renters. legal aid does not help the disabled. I have tried many times for different issues. For bankruptcy, they refused to help and said the reason for denying me is; “able bodied people have more to risk. Being disabled and on SSI income is not a risk”. I was told by them that SSI income is exempt so I just need to send notice to all collectors to stop contacting me and then just ignore any attempts at collections. They even said to not bother going to court if I get a lawsuit as my income is exempt so they can’t take it. That is the dumbest thing ever to tell people that. Bankruptcy last for 10 years on your credit. Court ordered judgements for bad debt is renewable every 10 years, with no limit to how many times it can be renewed. So They are telling people to have judgements on their record for the rest of their lives, compared to filing bankruptcy. To add to that, at any time the collector can freeze the bank account to try and collect after getting a court judgement. The judgments also have interest that grows on the debt. So SSI people have to go to court each time the account is frozen to prove the income is SSI to have it released. There is also no limit to how many times a freeze can happen. So a collector can freeze your account every month for the rest of your life if they want to. You can’t file bankruptcy later as court judgements cannot be discharged in bankruptcy. My mother listened to legal aid and is now 11 years into a debt that could have been discharged. She just had it renewed for another 10 years last year. She was told the same thing by legal aid 11 years ago. So she sent letters to the creditors and they sued her in court. Legal aid said not to bother going as they would have proof of the debt so they will win, but can’t touch her income. So after they froze her account, they threatened to do it every month if she made no payments. So she made an agreement to pay them $15 a month until the debt is paid. That is laughable as the total is over $7,000 now with interest, and growing. They figured out she had a disposable income of $15 every month so that is what they demanded or else they would keep freezing the account just to cause hardship. So she is trapped and will never get it paid off or settled now. I am trying to avoid the same situation of have a life long debt. I can’t afford a lawyer and legal aid flat out refuses to help. There is no online help I can find so I am stuck doing it myself. I did find that people like me that are low income can have the court filing fees waived, by law, so I do not have to pay to file in court or pay for the credit classes beforehand. I did not know that was possible before.
What about a homeless guy in Florida like me with supper bad record keeping. I haven't filled taxes since 2013. I'm used to not getting paid and with everything online I've no pay stubs etc
That's awesome that you haven't paid taxes in 9 years! Keep it going bud. Almost no chance they'll ever find out....but if you file they will know immediately! So don't file taxes ever again and you're good to go
@@MochaZilla I haven't filed in 9 years either I filed for 2021 for one of my jobs that I stayed at for 6 months but they took my tax return which I knew they would but I'm bad at record keeping myself
You can usually keep your primary home and car (as long as it's not a super-expensive car) in bankruptcy. Court figures, you have to live somewhere and have a way to drive to work
Banks and credit unions often let people sign a reaffirmation agreement in a Chapter 7 to help them keep their car loans through and after bankruptcy (depends on payment history and contract)
I'm not an expert but I believe when you file it there is a thing called an Automatic stay which will immediately put actions from collectors to halt. But there are some exceptions and it may vary state to state so you'd have to find out.
Ask them to validate the loan.. ask to see the promisary note ..that has that third party collector on it saying you owe him. They don't have it. You don't owe them anything
CRAP. You DO need a lawyer. Because even if you file on your own? There'll still be fees. And if you screw ANYTHING up? The court will likely reject your petition, you'll lose any fees you had paid and you're back to square 1.
if you are that dumb to not be able to follow a simple questioner where only you have the answer then yes you will definitely need a lawyer but this is exactly like doing taxes, very easy and yes it does take time but once you are done and like I said there is no reason for you to mess it up..
Its ridiculous that you can't just talk in simple language to a judge. They want you to do everything in such a strange way..iys so weird. That way wr have to pay thousands for a lawyer and u can't just state your case and if your poor then? I guess uour screwed
@sadie jones yes I did, I'm not going to say it's easy but it's not hard either, there are a few classes the court will make you take and the forms are in your state website. Here in California it's all time consuming but at the end if everything it's filled correctly then you will be fine. The best part of doing it yourself is that the moment to file the first motion for bankruptcy you can stop all the mail and phone calls from debt collectors.
![Bankruptcy - [Keeping your House and Car]](/img/1.gif)
Not sure if filing bankruptcy is your best option? Watch this video to decide 👉 ruclips.net/video/HfMd5BFmai4/видео.html
if you received a letter saying "attorney placement pending Feb 07, 2023 will get an attorney if you do not respond" can I file for bankruptcy online in time to stop this from happening?
Thank you me and my family going through it right now. So I’m watching this to see it will help
I went to the site and it says its not available in my state. Why not?
Thank you much I wish you all the sunshine in Florida and all God's grace
To anyone that is going through tough times, I hope you succeed and see brighter days ahead, and may God bless you!
Thank you I need it.
God Bless you.
Thanks for that 👍
Thanks bro, God bless you as well.
Thank you
Great video! For people filing bankruptcy, saving money is really important so this information is key.
Well.... saving money is always important, but especially when filing bankruptcy I would say.
Hopefully none of us have to go through this process, but if we do, we can do it online
Thank you so much for being clear and concise in your explanation. Just a wealth of information without taking an inordinate amount of time to explain it. Perfect!!!
Finding myself in this position, I had no idea what this entailed, or what was involved. Then I start looking into it and find out how much it costs. If I could afford that the thousands of dollars this typically requires, I wouldn't need to do it...
Hey, You made some great points in this video, thanks for sharing! Bankruptcy is a pretty scary subject...
Great video. IMO bankruptcy is going to become more common in America with the pandemic. I also read where creditors are Slashing credit lines and cancelling cardholder accounts.
Slashing credit lines and cancelling accounts for what purpose?
I really appreciate all your free information!!! Also the video's are put together really well!!!
Upsolve works ONLY in certain states. If you're from MOST states then Upsolve is only going to direct you to certain attorneys in your state.
Upsolve works in almost every state
@@jacquimobile6992it didn't work for me. Before I signed up, it says we WILL NEVER ASK FOR $$$ PLEASE ENTER INFO TO SEE IF YOU QUALIFY FOR CHAPTER 7. LOL. as soon as I hit enter, I get a text from a law firm. It's a scam
At what point in the bankruptcy filing process are creditors notified to stop debt collection efforts? At what point are things like lawsuit proceedings haulted? Thank you.
I went through this and filled out the forms.........They wanted almost $4000+ from me before all can be started on Chapter 7. I am on SSDI and can not afford that, HELP ME PLEASE.
Upsolve is a nonprofit and it is free. Did an attorney ask you for that much?!
thank you so much for your video, you're the best one out there
I recently got unemployed, My unemployment is still in progress for more than a month. I am so scared to file chapter 7. and I don't want to effect my spouse credit.
You don’t have money to pay your debts so pay someone thousands to file to not pay your debts
Very true! That's part of the reason why Upsolve started :)
Hope I never have to do this but good to know the process.
Hey Joseph, are you going to make a video of stocks to buy in June 2020? I liked the one you made in May and bought Phillips 66 as a result and have never been happier with my choice.
Great advice!
I crashed my loan car. Yes I know, stupid…. And to top it off my full coverage policy had been canceled and i didnt know so now im stuck with this debt and a car with $15,000 worth of repairs. Life really went downhill fast.
Same thing for me
How are you doing so far?
Can you update us ?
Exactly what happened to me beginning of this month except my loan is 18,500 🤦🏾♀️
Same here
does byuing and selling stocks ebry 2 days effect companys ? i wana know if its positive or negative i buy low sell high
It’s interesting how we try to file back riot y bc we can’t afford to pay debts anymore, and then lawyers want $3k to hire them. Crazy
Are you only able to use Upsolve if you have $10,000+ in debt?
not available in my area
I tried your site, although my income is over 4400 per month the questionnaire should have asked if this income from VA disability, social security or a pension etc
It does ask the source of your income
I need to file bankruptcy but I can’t afford it
If you broke and near to death experience from Covid19, bankruptcy is the last resort.
Thank you for the great and useful information! Unfortunately, I live in the state of Maryland and Upsolve will not help me. Any other suggestions?
Upsolve can now help people in Maryland as of 2023 (I think started 2022)
@Jacqui Mobile thank you! I moved back to Florida, and I was able to take advantage of the prior offer. Thx!
@@jacquimobile6992
It doesn't help people in Connecticut
Its easy if u can ready and comprehend
Thank you so much
Dont Waste your time
This is WAY too much work. And how do you expect someone broke to afford a lawyer???? I don't have all the documents...WTF. I'll just let my 15,000 in debt accumulate, and ignore bill collectors. What is the worst that can happen? They won't send me to prison. I just can't ever get a loan or credit card again.
If there are personal loans, they could sue you. Depending on the verdict they might garnish wages.
tried to use this upsolve website but it keeps asking to 'retake screener' Also is facebook the only way to sign in?
can you explain investing in berkshire its 200,000 can i invest in it in fractions?
Hey Joseph,
what are your thoughts on Nanotechnology, Artificial Intelligence, and 5G Stocks?
I have a case of FOMO (fear of missing out) with these Stocks with regards to the above mentioned industry's:
TSM, IBM, INTC, CSCO, QCOM, VZ. They all pay dividends, and are financially sound. Please let me know what you think.
Fast forward to 2022… I hope you took your profits!
Filing for bankruptcy effects your spouse’s credit ?
I thought you had to file for the chapter 7 first and then take the credit counselling course? and then the deptors course after? Am I wrong in saying that???
You have to take the credit counseling course before your bk case is filed.
I can’t find this app anywhere that you mentioned in the video. What’s the name of it?
Upsolve
I'm a paralegal is there a way to file for free in court
if you were a paralegal, you'd know the answer to that question..
@@jessebrandywarren7599 🤣
Filled out form and because I own my home it just sent referrals out and now I have a bunch of people 500 miles away from me calling and emailing me. Total scam
Upsolve can't help homeowners, the laws are complicated. It's a legit nonprofit. Have you tried legal aid?
I just came across this video. I checked out the screener and it says because I own a home (mobile home) it cannot help me. I have to pay for a lawyer to file. I cannot afford that. I am on SSI and have a 30 year old mobile home. After paying debts, I have about $5 left every month. I guess this screener is for people who have money, those that cannot afford anything can’t use this app.
Upsolve can't help homeowners because there are a lot of extra legal issues involved. :( Did you try Legal Aid?
@@jacquimobile6992 Hello,
Sorry this is a little long;
I have an old mobile home but pay lot rent. From what I have found online having to file myself, there is nothing extra at all to file as it is not a house or has any mortgage on it. Mobile home people rarely get assistance or help. Even our state laws for renters are different for mobile home owners Vs. apt or home renters.
legal aid does not help the disabled. I have tried many times for different issues. For bankruptcy, they refused to help and said the reason for denying me is; “able bodied people have more to risk. Being disabled and on SSI income is not a risk”. I was told by them that SSI income is exempt so I just need to send notice to all collectors to stop contacting me and then just ignore any attempts at collections. They even said to not bother going to court if I get a lawsuit as my income is exempt so they can’t take it. That is the dumbest thing ever to tell people that.
Bankruptcy last for 10 years on your credit. Court ordered judgements for bad debt is renewable every 10 years, with no limit to how many times it can be renewed. So They are telling people to have judgements on their record for the rest of their lives, compared to filing bankruptcy.
To add to that, at any time the collector can freeze the bank account to try and collect after getting a court judgement. The judgments also have interest that grows on the debt. So SSI people have to go to court each time the account is frozen to prove the income is SSI to have it released. There is also no limit to how many times a freeze can happen. So a collector can freeze your account every month for the rest of your life if they want to.
You can’t file bankruptcy later as court judgements cannot be discharged in bankruptcy.
My mother listened to legal aid and is now 11 years into a debt that could have been discharged. She just had it renewed for another 10 years last year. She was told the same thing by legal aid 11 years ago. So she sent letters to the creditors and they sued her in court. Legal aid said not to bother going as they would have proof of the debt so they will win, but can’t touch her income. So after they froze her account, they threatened to do it every month if she made no payments. So she made an agreement to pay them $15 a month until the debt is paid. That is laughable as the total is over $7,000 now with interest, and growing. They figured out she had a disposable income of $15 every month so that is what they demanded or else they would keep freezing the account just to cause hardship. So she is trapped and will never get it paid off or settled now.
I am trying to avoid the same situation of have a life long debt. I can’t afford a lawyer and legal aid flat out refuses to help. There is no online help I can find so I am stuck doing it myself. I did find that people like me that are low income can have the court filing fees waived, by law, so I do not have to pay to file in court or pay for the credit classes beforehand. I did not know that was possible before.
Doesnt make sense you have to pay thousands because youre broke & cant afford to pay thousands😂
What about a homeless guy in Florida like me with supper bad record keeping. I haven't filled taxes since 2013. I'm used to not getting paid and with everything online I've no pay stubs etc
That's awesome that you haven't paid taxes in 9 years! Keep it going bud. Almost no chance they'll ever find out....but if you file they will know immediately! So don't file taxes ever again and you're good to go
@@MochaZilla I haven't filed in 9 years either I filed for 2021 for one of my jobs that I stayed at for 6 months but they took my tax return which I knew they would but I'm bad at record keeping myself
@@freemygrandma8752 why did you file after not filing for so long?
Can I do that here in Ontario canada and a corporation
Upsolve says it wont work for me.
can you make a video on how to form a corporation?
Make a new stocks under $5 or under $10 or under $20 video pleaseeee
Can you file bankruptcy and keep a car loan?
You can usually keep your primary home and car (as long as it's not a super-expensive car) in bankruptcy. Court figures, you have to live somewhere and have a way to drive to work
Chapter 13
Banks and credit unions often let people sign a reaffirmation agreement in a Chapter 7 to help them keep their car loans through and after bankruptcy (depends on payment history and contract)
I'm been sued by a third party debt collector. I have a court date on May 2021. Do i still have to go to court after i file for bankruptcy?
I'm not an expert but I believe when you file it there is a thing called an Automatic stay which will immediately put actions from collectors to halt. But there are some exceptions and it may vary state to state so you'd have to find out.
Ask them to validate the loan.. ask to see the promisary note ..that has that third party collector on it saying you owe him. They don't have it. You don't owe them anything
How did it go?
Make video about your future solid picks!
Bs. Scam. Don't follow the bs links he provides
Upsolve is a complete scam, all upsolve does is refer you to an attorney and get a cut of the action.
You’re right, I just tried and it routed me to a lawyer. Is this perhaps the first step? I’ll call the lawyer when they open to find out
Ok smart guy answer this.
Can i file Bankruptcy on college tuitions?
No
No
CRAP. You DO need a lawyer. Because even if you file on your own? There'll still be fees. And if you screw ANYTHING up? The court will likely reject your petition, you'll lose any fees you had paid and you're back to square 1.
if you are that dumb to not be able to follow a simple questioner where only you have the answer then yes you will definitely need a lawyer but this is exactly like doing taxes, very easy and yes it does take time but once you are done and like I said there is no reason for you to mess it up..
Its ridiculous that you can't just talk in simple language to a judge. They want you to do everything in such a strange way..iys so weird. That way wr have to pay thousands for a lawyer and u can't just state your case and if your poor then? I guess uour screwed
Your wrong
@@montyhades have you filed bankruptcy without an attorney?
@sadie jones yes I did, I'm not going to say it's easy but it's not hard either, there are a few classes the court will make you take and the forms are in your state website. Here in California it's all time consuming but at the end if everything it's filled correctly then you will be fine. The best part of doing it yourself is that the moment to file the first motion for bankruptcy you can stop all the mail and phone calls from debt collectors.
let's cut the crap --for those of you filing bankruptcy; wtf was her name?
don't let her back in once you're back to making millions. Good luck.
or just don’t file for bankruptcy 😂😂😂
Get a lawyer. Don’t risk it
Upslove doesn’t help people with property even if they have low income