I am from San Francisco, California and I had to leave the country for an undetermined length of time because of family health issues. It might be up to a few years. I had to stop paying my credit card bills because I couldn’t afford paying them. I had to rent my house there, and it makes income that is just enough to pay mortgage and property taxes. Now the credit card company left summons at the doorstep of the house. How should I handle this? I intended to file for bankruptcy before I left, but I had to immediately leave due to an emergency, that’s why I wasn’t able to. Can I file for bankruptcy without going there? I have friends who could represent me at court hearing. Answered May 11, 2013
If you are determined to file for bankruptcy and would qualify, it is possible to do it from abroad. However, you would still need to fill up and sign the appropriate forms yourself. Forms for that are downloadable from the website of the bankruptcy court of the state. After filing, there is a need to ask the permission of the court to allow a non-appearance of the debtor. This is where a competent representative is needed, preferably a bankruptcy lawyer who knows the ins and outs of bankruptcy procedures.
The first step before actually filing for bankruptcy is to consult with an experienced bankruptcy lawyer for proper guidance and advice for options that are available.