wootom asked:


I’m in Utah and am going to be filing for chapter 7 bankruptcy soon. Obviously, I’m filing for a reason and I don’t have much money for a lawyer. So, I’m just wondering about how much I’d be spending for a lawyer to take care of it, or if I should just learn & do it without one. Thanks for the help!

Maryland G asked:


How can I apply for car while in bankruptcy?

I filed for bankruptcy (chapter 13) to keep my home. I have a car that was not included in the bankruptcy that I would like to sell and buy a new one. Do I need to have authorization from the court or the trustee for this transaction?
I am not abusing the system. The reason I want to get buy I new car is because the one I have is a truck and I am spending too much in gas…I want to get an economic car.

Christian asked:


I am on limited income (Social Security Disability) and am in debt due to the actions of a former “friend” of mine. I am considering filing for bankruptcy to get the creditors off my back, and to start over fresh after a certain period of time has gone by (not sure how long that is; I’ve heard 7 years.) I am a responsible person when it comes to paying my bills on time, and the only reason why I’m in debt right now, is because I had trust in the wrong person.
Can you please tell me what process is involved in filing for bankruptcy, if there are any costs (are people who are on limited income, exempt from any fees), and what some pros and cons there are in filing for bankruptcy. Please be as specific as you can. Thank you.