ACTUALLY WITH A CHAPTER 7 IT'S EIGHT YEARS NOW WITH THE NEW LAWS...AND SOMETIMES IT'S THE ONLY WAY TO GET CREDITORS OFF YOUR CASE EVEN IF YOU'RE "JUDGEMENT PROOF" AND YOUR INCOME IS EXEMPT - I HAD TO BECAUSE THEY JUST WON'T STOP TRYING TO COLLECT, WHAT A RELIEF!!!

I HAVE ALWAYS HANDLED MY OWN LEGAL PAPERWORK, AND WILL BE DOING MY OWN BANKRUPTCY FILING IN JANUARY...  THE BIGGEST THING IS TO GET ALL YOUR CREDIT REPORTS FROM ALL THREE AGENCIES, MAKE SURE THERE'S NO CREDITOR ON THERE YOU MAY NOT HAVE DOWN AND SINCE THE DEBTOR HAS TO PROVIDE ALL THE INFO TO THE ATTORNEY ANYWAYS, ALL ...more

This will be nice, a great meeting place for people, if you're making a deal off craigslist, or just to hang out at a different location, homework, research, etc...  Too bad it took them so long to get this done though...  I never pay for this stuff if I don't have to.