有關破產問題,煩請解答!

Base on your information.Bankkrupt is the last thing you want to do,if you do have any other option.When you file bankkrupt,creditors will look at all the dept you have,your situation and how much you can afford to pay month by month.Please remember the creditors do not have the right withdraw all the basic expense from your household.Basic expense is your food,rental for your home,your younger sister school supplies etc.However after all the basic expense,whatever amount you've left over,you would have to pay to the creditor(s).My advise for you before you file bankkrupt,please list all the expenses you have in your household and is there anything you can cut.Like if you have cable tv at home,cancel it,don't spend anything you don't need to spend.Than call the bank,I assume your dad credit card(s)is issue by hsbc.Call them first and schedule an appointment with them and let them know you would like to talk to them about the credit card debt.Bring all the necessary paper works with you,such you proof of income,household expense.Don't be affraid,be honest with them and let them know what's your difficulities?Most of the creditors willing discuss with you,bottom line is they want you to pay them with the best of your abiliities.I believe if you file the bankkrupt,you need to go to the court or wait for the court order for your bankkrupt.In your case you can also look for help with the lawyer from gov with no cost or very low cost for more information regrading how to file the bankkrupt,so you can have more infomration and more professional advise for your case.

I hope your situation will be better soon.

2007-09-18 06:45:06 補充：
I spell it wrong.It's debt,not dept.Sorry my fault.

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