Kconn

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About Kconn

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    Georgia
  1. Thank you for your help there isn't really anything they've done incorrectly to catch them on. I'll go see the atty and file my letter and see what happens!
  2. Thank you so much des. I finished it and it states that I do qualify for chap 7 so I'm going to talk to an atty. It was intense and I'm absolutely sure I messed it up somehow. I am also drafting my letter to the summons I received but am unsure of wether to deny or not. I could disagree with the amount based solely on the fact that what I owe and what they are asking is different based on interest and fees they have charged, but I am afraid anything else I deny is going to be asked to be backed up with reasons I just don't have. Can I honestly deny this summons in my answer and not cause myself more damage? Is the reason to deny just so I can settle? And is not denying admitting that I will pay everything asked of me? I read that I have basically 3 answers, agree, deny, or that I am unknowledgeable, (which doesn't really apply in my case.) So if I can't claim chap7 and I deny, will that be defaulted to an automatic loss by the judge because os dishonesty? Thanks again
  3. So started the means test and first question! It is asking for past 6 mo income. It also asks how I am filing taxes, but doesnt state last year taxes or this years. It will be different this year because of my debt. Last year was married filing jointly. This year will be married filing seperately. Which one should I use? Thank you everyone for your input.
  4. I see what you are saying. I dont believe Georgia is a community property state. That being said I was employed with direct deposit into own bank acct, which cc payments were made from. I guess what i'm hearing from everyone is try the means test and that should determine it.
  5. Thank you, no I never heard of a means test before looking into it myself. My husband makes more than a median income so i'll look into the means trst first.
  6. Yes the cards were acquired during marriage and one of the cards paid for daycare fees, so yes. But thats assuming that, "for the marital community" includes that. But that was just a small part of the 30 grand. How is it determined what "for the marital community" charges are.
  7. Yes the cards were acquired during marriage and one of the cards paid for daycare fees, so yes. But thats assuming that, "for the marital community" includes that. But that was just a small part of the 30 grand. How is it determined what "for the marital community" charges are.
  8. I was told during a free consult with a debt atty that even though only MY name is on the credit cards (x3) and am currently being sued by Amex. That I cannot claim bankruptcy because my husband makes too much. I have no job, credit cards are in my name only, car is in my name and he never used any of the cards. I am currently responding to my summons, but in all honesty the debt is mine, I just have no way to pay it back, so I was hoping bankruptcy would be my answer. Is this Georgia atty correct?