I have a civil lawsuit against me for credit card company I filed one extension of time and it was granted but I need more time to figure this out can I file one more motion of extension of time or how can I really handle this
Do I need a lawyer to file bankruptcy
Depends upon how much time you received on your first extension, and which Court you are in. Just filing the motion will usually avoid a default. Insofar as filing bankruptcy, the Chief Judge Emeritus of the Bankruptcy Court of the Southern District of Florida has been known to say, "There is nothing keeping you from filing bankruptcy without an attorney, or performing brain surgery on yourself without a surgeon." Both are equally poor decisions. In that you have not figured out how to file an Answer to a Complaint, how do you propose to slog through the 50+ pages of bankruptcy papers, meet all the deadlines, get all required documents to the Trustee on time, appear and participate at the meeting of creditors, and successfully obtain your discharge, without an attorney?
Posting questions anonymously and receiving general answers do not substitute for consulting with an attorney licensed to practice in the jurisdiction in which you live. Answers posted here by Kevin C Gleason are only intended for general education of the public on legal matters. Please consult a qualified professional before deciding what to do about your situation.
You should obtain a free consultation with a local attorney to discuss whether a bankruptcy is advisable to file. You are permitted to file your own case but it is of course not advisable. Mistakes on whether you should file or what happens during the bankruptcy can have serious consequences.
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It depends on the procedural posture. However, you really should consult with a consumer protection attorney to go over your situation. There could be federal violations the credit card company (or their debt collector) committed where you could sue them in Federal Court. These cases are usually taken on contingency. Generally, the first phone consultation is free. Don’t attempt to do this yourself!
The amount of money that you'll pay a BK lawyer will pale in comparison to what you'll end up paying in the long run if this goes to judgment and you aren't judgment proof. Get some free consultations. If there is a lawsuit, you'll almost sure need an attorney to stop the suit in the state court case, unless you figure out what it is you need to file in that case and how you file it, even if you file the BK yourself.
The Bk lawyer will handle both.
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