This subreddit has been so helpful since I have been considering filing and BK for about eight months. I stopped paying credit cards about six months ago, on the advice of a lawyer.
I had an 800+ credit score for over 40 years and wound up in this situation when I became disabled with long COVID and a stress related autoimmune condition. The Fortune100 company for which I worked was crooked and managed to gyp me out of the long term disability insurance for which I paid almost 20 years.
Back to waiting too long to file, I waited until I was almost out of money and then a young family member was tragically hit by a car by an uninsured driver and I paid what I had to help with her surgical bills.
Now, I really need to file but can’t seem to save up the attorney fee with all these additional expenses.
I think my only option is to file through Upsolve by I am very nervous about not using an attorney.
Yikes!
submitted by /u/FitLoan1687
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