Legal Question in Bankruptcy in California

I am 71, unemployed, living in orange county, calif. I own a mobile home that was inherited by me. It is worth approx. 160K free and clear. I drive a paid for car altho it is a 1992 Mercedes. I owned my own business for 30 years as an interior designer but lost my clients when I moved to another city and then I lost 2 homes I bought in this other city, one to short sale and the other "cash for keys" and the bank gave me $1000. and took over the house. This was all in 2009.

I owe 15K in cr card debt which I cannot afford to pay now and have not charged on these for over a year and made "deals" w/3 of them to pay 51.00, 35.00 and 15.00 BUT HERE IS THE PROBLEM. I have to live on SS at $852./mo. so really cannot afford to pay these cr cards at all.

My HOA and utilities, add up to about $550. and then there is food and gas so 852. doesn't go far enough to pay these cr cards.

I have no retirement, no IRA, no savings and about 200.00 in my checking account. I can't put my mobile up for sale as this is the only place I can live with the HOA, water, cable and gas adding up to only 250.!

MY QUESTION: CAN I FILE BANKRUPTCY MYSELF AS NOT ENOUGH FOR AN ATTORNEY FEE.

WILL I LOSE MY MOBILE HOME AND/OR MY CAR? SHOULD I HOMESTEAD MY MOBILE?

SHOULD I BE ABLE TO SCRAPE UP SOME $$ FOR A BANKRUPTCY ATTY HOW MUCH WOULD THAT BE AND DOES AN ATTY TAKE MONTHLY PAYMENTS FOR A CERTAIN AMT OF TIME?

HELP! Thanks.

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Asked on 8/17/10, 1:24 pm

2 Answers from Attorneys
Asaph Abrams Law Office of Asaph Abrams

It's recommended to seek legal counsel.

My office in San Diego accepts flexible installment plans, however you would need to contact a local attorney in the O.C.

Good luck, we hope it works out for you.

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Answered on 8/22/10, 2:17 pm
Vanmai Nguyen Robert T. Nguyen Law Office

Yes, you can file chapter 7 bankruptcy and more than likely still be able to keep your mobile home and other assets. I would not recommend you to do your case by yourself since your situation has many assets that need to be reported properly.

I am a Bankruptcy attorney in Orange County, CA. Our office accepts payment plan. Please contact us so we can help you.

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Answered on 8/23/10, 11:35 am


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