Thanks for the info and the recommendations.
Oddly i tried that link holland and brainswell listed and his name didn't come up.
My first concern almost from the start was that he showed little interest to listen to me, rarely giving me a chance to talk, and most of the time talking over me with pre-canned responses that lead to long often repeating information. But figured he's the lawyer I don't care as long as I get the paperwork done and do my part I don't need to be friends.
When I went back for another meeting, turned out there was some problems. Not sure what exactly went down but whoever was really doing my paperwork wasn't there, and he literally told me "I'm just a monkey in a a suit" so and so is the one who handles the bankruptcy XYZ. But she wasn't there so he had another assistant. At this point it looked like I was going to be forced into a Chapter 13. Guess they twiddled some number and things turned out ok, but still what the heck?
This was reinforced more by the over-talking, and when I went to my creditors meeting he didn't have an important piece of paperwork, and blamed or questioned the magistrate (?) asking if they changed things because he didn't get the email or snail mail.
Plus I like honesty. Despite issues, I keep getting the "don't worry it'll all be discharged". I really don't want to hear canned feel-better responses, I'd rather get honest answers if there is something I need to be concerned about.
Then last week I get a letter from another Lawyer I think from the Department of Justice (?) guessing it's who watches over bankruptcy cases, letting me know that My claim has determined to be an abuse of the bankruptcy court or something. The only thing I got out of my lawyer was that I was making too much with too little going out.
My big problem in that regard, is that I live for free with almost free utilities, free internet, basically 1/2 my salary that I would normally be paying out I'm not. But where I work has to use this place so I'll be moving to an apartment in Jan/Feb. So my debt to income ratio is really skewed.
**** incoming student loan rant ****
To top it off, while it might be my fault I really don't know. But I was under the impression that once I had a case ID all of my debt (special emphasis on ALL) was supposed to be frozen and was told to stop making payments.
Well fast forward a couple months, and I start calling my student loan holders to get a feel for how things are going to be and what I need to do to prep for the post-Bankruptcy when I start making payments again. I know student loans aren't bankrupt-able, but I was under the impression being a debt it was part of the don't make any payments.
So every last one of my student loans are now in default. So I spent 3 days trying to sort it out. Ironically by the time I found out my loans had just defaulted within a week. So I rustle to make a payment to catch them up. But as it turns out it doesn't matter if I made payments or not, just by filing bankrupcy is automatically a forced in default whether I wanted to or not. So now I have 76k being sent off to another company that is expecting a 1 time payment of 76 in January.
Sorry for the rant, that last part about the Student loans isn't his fault since in the end it didn't matter as the bankruptcy is a forced default, but if that wasn't the case I'd still be screwed since I was mislead (misunderstood?).
Tl;dr would be interested in talking to someone as this just doesn't seem right and not sure if what I'm experiencing is normal or what I need to do.