We have spent the past few days filling out the 44+ pages worth of paperwork, all in preparation for our third visit to the Bankruptcy Attorney's office.
06/19/09: The first visit was just informative - we basically got verbal confirmation that we indeed qualify for bankruptcy consideration. We walked away with several questions that we needed to research further, but were able to make a decision within a week, at which point I called to set up the second appointment.
06/26/09: At the second visit we paid a retainer fee of $75 and signed a bunch of paperwork. We also got a lot more paperwork to bring home and fill out before our next appointment, which is tomorrow (at this hour, it's technically later this morning). It has been a challenge trying to find time to sit down with Mr. America and get everything down on paper. I thought we were broke before thinking about filing for bankruptcy, but laying out all the income and expenses on paper, even without all the credit card debt, we're projected to still be spending almost as much as we make.
Hmmmmm. Perhaps the mandatory credit counseling will do us some good after all?
Being that we're still in the beginning stages of this bankruptcy process, I really don't have any specific questions aside from, "How does this whole thing work?"
That's why we've started this blog. After tomorrow's (today's) appointment, the ball ought to be rolling fairly quickly (at least quicker than it's been moving so far), and we should have more to update about, especially more specifics about the whole process - I'd love for this to be a learning experience for anyone else that might need the insight or information.
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