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Consumer Bankruptcy Project

Cases & Credits

A woman living paycheck to paycheck until forced to file for bankruptcy

Ms. B. is an elderly client who was on Social Security and paying her creditors on a monthly basis the money that she needed for her basic household living and medical expenses. She eventually decided she had to file for bankruptcy, and since she could not afford an attorney, she went to a non-attorney preparer for assistance. Ms. B. ended up paying $300 for the non-attorney to prepare the petition and schedules, which ended up being incorrect. She then came to the Consumer Bankruptcy Project where staff reviewed her papers, advised her on her rights and options and prepared amended schedules. They also assisted her in obtaining the required credit counseling and debtor education courses, prepared her for her hearing and helped her avoid dismissal of her case. In the end, Ms. B. received a discharge of her debts of $19,100.