Specific bankruptcy question?

Question

if i visited a bankruptcy lawyer, but never filed for bankruptcy, is this action reported anywhere on my record? if i decide later to dile, does the fact that i looked into it in the past show up? my concern is that i talked to one, then i used my credit cards alot for paying mortgages, bills, etc, then income changed and i cant pay again, so now i think i need to file, so will they know that i talked to one before if i didnt file?

Answer 1

nothing is one file - but if you DO decide to truly go forward with a BK, do not use any of your credit cards for 6-12 months before you officially file or they won;t allow you to include those debts. - they may prevent you from filing at all

Answer 2

No...a bankruptcy attorney doesn't report a meeting to the credit bureaus. They won't know you talked to one, per your last statement...but....the recent activity on your credit cards may have some bearing on your filing. The new laws are real strict on filing for bankruptcy. Mis use of credit cards, fraudulently using credit cards, etc can be a result of a dismissal of a bankruptcy. Charging things per the new laws are not like it used to be years ago when buying homes, auto, etc, then filing for a bankruptcy. The bankruptcy trustees look at everything now with the new laws.

You'll need to wait 6 months to a year before file....request more info from the attorney you consulted...They are the ones that can help you the most!  Good Luck!

Answer 3

When you talk to ANY attorney in the USA, you are under "Attorney Client Privilege."

Everything you tell an attorney stays confident, unless of course you tell an attorney that you plan to commit a crime.

http://en.wikipedia.org/wiki/Attorney/cl...

I am not an attorney, and you need to talk to a BK attorney on this, but my understanding is that you need to stop using the credit about 12 months before you file CH 7, or 13.

If you file before then, and used the CC's the CC companies can charge you with bankruptcy fraud and exempt recent card charges/ advances, etc from any bankruptcy - that means you would still have to pay the recently borrowed money.

Answer 4

no if you never filed that is like thinking of having an affair. It is all about doing the deed