Can we file pro bono on payday loans?

If what you are asking is about bankruptcy, yes you can file bankruptcy on payday loans. Payday loans are an unsecured debt. You can only file bankruptcy only every 7 years I believe. You should try to think of alternative avenues as bankruptcy stays on your credit for 10 years.

You need to check into the new bankruptcy laws as they have changed the way things are done. I believe now you are required to go to a credit counselor.

You should post any questions in regards to bankruptcy on the bankruptcy thread.

ladybug

You can file pro bono, I would not
recommend it.
Don't waste your money on debt
settlement and be left with law suits
pending on you and out 5500.00 to a
debt settlement company like we are!
I was lucky, I had 900.00 in my reserve
account that they gave back to me, so I
only had to save two months to hire our
BK lawyer.

BK stays on your credit for 10 years,
but most creditors don't look at it so
much post three years BK. They look
at your current credit, payment history
and most important: JOB HISTORY and
INCOME.
You can even clean up your credit
reports post bankruptcy YOURSELF and
chances are your scores will be better
than they were before with all the
charge offs!

Good luck.

Do you really mean to say, file "pro se" (ie., yourself)? I wouldn't recommend that in bankruptcy. There's a large amount of items to cover, and I wouldn't want to risk showing up for the meeting of creditors and have it thrown out, or worse yet, be accused of fraud because something is not right. Filing bankruptcy in this way (I don't know if it's even allowed) would be just too much for most people.

In my opinion if someone has decided to file for bankruptcy the he or she should hire a professional attorney.Bankruptcy is not an easy word to comprehend. From all the documentation to the actual filing of the case, there are many steps that common people are not aware of.
Filing bankruptcy alone is not only an extremely tough task but it also means a long wait. If you are filing for bankruptcy and you are represented by an attorney then under the law your creditors can not call you anymore, they have to speak to your attorney.

Take care
Nelly

Quote:

Yes, many charge (for chapter 13) only about $450-500 initially, and get the remainder from the monthly BK payments (for a total of about $2000-3000). It would be well worth paying a few hundrew dollars to make sue everything is in order.

I know a friend of mine who filed bankruptcy on his own.It was a nerve wracking experience for him. He was already tensed with the fact that he was declaring himself bankrupt but what raised his anxiousness was the legal proceedings. Bankruptcy is a long procedure with many complications. So it is always advisable to consult a professional bankruptcy attorney. All you have to do is just provide the lawyer your personal information so that he or she can put together and file your voluntary petition in the bankruptcy court.

Frankly, if you are smart and have an easy case, ie no assets and all unsecured debt, it is not that hard to file a chapter 7 pro se. If you have any assets or secured debt I would not recommend filing pro se, it's better to have a lawyer in that case. But you can file pro se, there is no law saying you must retain counsel for bankruptcy. And as long as you are under the median income for your state and can pass the means test, there really isn't that much more paperwork to fill out.

I had no assets and filed pro se, my bankruptcy was a result of living off of credit cards when my student loan wasn't enough and then after not finishing my thesis coming home and working at a sandwich shop.

But I filed pro se with a "do-it-yourself" company, which helped with the paper work and it only cost me $100 or so. I had to sign papers indicating that I knew he wasn't a lawyer and such, but he helped get the rest of the paper work filed out, and Goudah is right, it wasn't that much. All I had to do was take the paper work to the offices, pay those fees (which was more than what I paid the guy to do my paperwork) and then go to the proceedings, and say "yes" a few times and that was it for me.

But like goudah said, I had an easy case, any further complications would have made it more difficult.

Oh yeah, and you will have to take a class that will teach you to stay out of debt. Lot of good that did me :) I'm on here now for PDLs, and I think I'm learning more out of this experience and this website then I did from that expensive class (had to pay for that too!).