Bancruptcy
Card Credit Looking For Feedback After Filing For Ch. 13
Looking for positive or negative feedback regarding your experience after filing for chapter 13. Was it a good decision or a bad decision? Any regrets after filing? My spouse and I are consider...read more
Looking for positive or negative feedback regarding your experience after filing for chapter 13. Was it a good decision or a bad decision? Any regrets after filing? My spouse and I are consider...read more
Credit Start Debt Worth Him Posting For A Friend..long
I know this guy Joe. Joe has $170,000 in credit card debt. Owes $174,000 on his home, which is worth according to a recent appriasial about $240,000. He is also into Ford Motor Credit to the tune ...read more
I know this guy Joe. Joe has $170,000 in credit card debt. Owes $174,000 on his home, which is worth according to a recent appriasial about $240,000. He is also into Ford Motor Credit to the tune ...read more
Credit Drowning In Debt, NEED HELP!!!!
I have close to $20,000.00 in debt on two separate unsecured credit cards(Capital One $18,000 and AT&T Universal $2,000.00). I have not paid a dime on these cards in the past 6 years. I have not r...read more
I have close to $20,000.00 in debt on two separate unsecured credit cards(Capital One $18,000 and AT&T Universal $2,000.00). I have not paid a dime on these cards in the past 6 years. I have not r...read more
Credit Card Can A Creditor Claim Fraud On A False Credit Application Which Blocks Discharge?
In the event of a credit card applicant mistating (lying about) income or assets (home ownership when there was none), can a creditor claim fraud to the bankruptcy court that blocks discharge in a C...read more
In the event of a credit card applicant mistating (lying about) income or assets (home ownership when there was none), can a creditor claim fraud to the bankruptcy court that blocks discharge in a C...read more
Bankruptcy Attorneys Any Advice For A Neophyte Would Be Appreciated..
My situation: 37 yo, married, no dependents, approx. $35-40K in cc and revolving charge account debts. Household income for this year will probably be around $40K. Renter, living paycheck to paych...read more
My situation: 37 yo, married, no dependents, approx. $35-40K in cc and revolving charge account debts. Household income for this year will probably be around $40K. Renter, living paycheck to paych...read more
Bankruptcy Question On Chapter 7
I recently filed a Chapter 7 bankruptcy. It was successfully discharged. Lately I have been receiving bills from a hospital that was included in the discharge. I suspect that they are creating new ...read more
I recently filed a Chapter 7 bankruptcy. It was successfully discharged. Lately I have been receiving bills from a hospital that was included in the discharge. I suspect that they are creating new ...read more
Bad Credit Mortgage Confused About Forclosure After Ch.7
I filed for Ch. 7 and gave up my home in the bankruptcy - I've recieved a letter stating that my debts have been discharged. Since then, the mortgage holder is forclosing on the property and in th...read more
I filed for Ch. 7 and gave up my home in the bankruptcy - I've recieved a letter stating that my debts have been discharged. Since then, the mortgage holder is forclosing on the property and in th...read more
Bankruptcy UK Bankruptcy And Purchase Of Interest In Property
I am just coming to the end of my 3 years UK bankruptcy. At the start of the bankruptcy the administration was handed over to a trustee who put a caution (or a 2nd charge) on my deeds. My father ...read more
I am just coming to the end of my 3 years UK bankruptcy. At the start of the bankruptcy the administration was handed over to a trustee who put a caution (or a 2nd charge) on my deeds. My father ...read more
My How Can We Convert From Chap. 13 To Chap. 7-Please Help
We are in month 11 of paying on our Chapter 13. Everything looks so good on paper, but in reality it is horrible. My husband's income looks fantastic but it is unreliable. I need at least one sur...read more
We are in month 11 of paying on our Chapter 13. Everything looks so good on paper, but in reality it is horrible. My husband's income looks fantastic but it is unreliable. I need at least one sur...read more
Attorneys Chapter 7 Questions
What is worse on a credit report. Several collection agencies taking you to court or a chapter 7 bankruptcy? I currently owe about 350k in medical bills and because of the nature of the injury tha...read more
What is worse on a credit report. Several collection agencies taking you to court or a chapter 7 bankruptcy? I currently owe about 350k in medical bills and because of the nature of the injury tha...read more
Attorneys Chapter 7 Filing Question
7 years ago, i had $10K in medical bills due to cancer and a divorce to pay for. i spoke to a lawyer and signed chapter 7 papers but called her back before it went to court and told her i'd find a ...read more
7 years ago, i had $10K in medical bills due to cancer and a divorce to pay for. i spoke to a lawyer and signed chapter 7 papers but called her back before it went to court and told her i'd find a ...read more
Car Loan Dragnet Clauses
I have vehicles that are financed with dragnet clauses where I have other loans that will be discharged in a chapter 7. The vehicles have zero equity (or negative equity). Is it possible to reaff...read more
I have vehicles that are financed with dragnet clauses where I have other loans that will be discharged in a chapter 7. The vehicles have zero equity (or negative equity). Is it possible to reaff...read more
Audio Receiver Buying The House Off The Receiver
help, has anyone experienced buying your share off the receiver, a spouse or relative needs to buy it to safeguard your home, my problem is we have no money to buy it, but the receiver insists that ...read more
help, has anyone experienced buying your share off the receiver, a spouse or relative needs to buy it to safeguard your home, my problem is we have no money to buy it, but the receiver insists that ...read more
Real Estate After Chapter 7
In my chapter 7 I will be giving up my home (through foreclosure I assume) because I have negative equity due to my 2nd mortgage and can't afford to keep that 2nd mortgage. I can get a home loan ...read more
In my chapter 7 I will be giving up my home (through foreclosure I assume) because I have negative equity due to my 2nd mortgage and can't afford to keep that 2nd mortgage. I can get a home loan ...read more
Windows File Maintaining Unused CC After BK
I am considering to file BK and going through the paperwork provided by my attorney. My question: I have a cc that has a 0 balance on it. Can I keep this card after I file BK? Can the bank that iss...read more
I am considering to file BK and going through the paperwork provided by my attorney. My question: I have a cc that has a 0 balance on it. Can I keep this card after I file BK? Can the bank that iss...read more
Debt Consolidation "Any BK Vets Used Nolo Press' Chapter 7 Book?"
Just started my way down the Chapter 7 road. Probably will hang onto the side of the cliff for a few more months before I file. Unless there's some revision by congress to the laws this Fall. H...read more
Just started my way down the Chapter 7 road. Probably will hang onto the side of the cliff for a few more months before I file. Unless there's some revision by congress to the laws this Fall. H...read more
Weight Loose Car Lease And Ch. 7
I may be in the situation that I will have to file a Ch 7 very soon. It is my understanding that if we have a car worth over $5000 and it's been paid off, I will loose it. We definitely need to keep...read more
I may be in the situation that I will have to file a Ch 7 very soon. It is my understanding that if we have a car worth over $5000 and it's been paid off, I will loose it. We definitely need to keep...read more
State Law A Couple Of Missouri Chapter 13 Questions
I understand that under chapter 13 I can keep things I own that are paid for, but what about a luxury item (motorcycle) that I am making payments on (I owe what it is worth). Will I be forced to get...read more
I understand that under chapter 13 I can keep things I own that are paid for, but what about a luxury item (motorcycle) that I am making payments on (I owe what it is worth). Will I be forced to get...read more
Credit Card Balance Transfers, New Lines Of Credit - Still Viable? Timing?
My question this time is about moving credit around. In the process of (mis-)managing my debts, I've moved credit around through the past 5 years to try and get the best interest rates. Well, as of ...read more
My question this time is about moving credit around. In the process of (mis-)managing my debts, I've moved credit around through the past 5 years to try and get the best interest rates. Well, as of ...read more
Resume Serious Question .. Need Replies
I am currently unemployed from a fairly good job that I had for 25 years. I am $122k in credit-card debt and a car upside down about $11k. A house that I owe what it is worth. I owe abot $4k in taxe...read more
I am currently unemployed from a fairly good job that I had for 25 years. I am $122k in credit-card debt and a car upside down about $11k. A house that I owe what it is worth. I owe abot $4k in taxe...read more
Attorneys Chapter 7 - Keeping Your Car?
I'm curious to hear your take on this, I've already asked my lawyer and I'd feel more comfortable hearing your take too. I owe the bank $28K on a car that's only worth $13K. I asked my lawyer if t...read more
I'm curious to hear your take on this, I've already asked my lawyer and I'd feel more comfortable hearing your take too. I owe the bank $28K on a car that's only worth $13K. I asked my lawyer if t...read more
Loans Chapter 7 Creditor Side Question
About six months ago a loaned a n'er-do-well former friend of mine a considerable chunk of change to buy a used car so she would be able to keep her job and her house. She signed a formal note o...read more
About six months ago a loaned a n'er-do-well former friend of mine a considerable chunk of change to buy a used car so she would be able to keep her job and her house. She signed a formal note o...read more
Bankruptcy Information Chapter 7 Or 13?
Is there a rule of thumb that would help me understand if I can file a chapter 7 versus a chapter 13? I have a good income but these debts are very large. I'm pretty sure chapter 7 is the only way t...read more
Is there a rule of thumb that would help me understand if I can file a chapter 7 versus a chapter 13? I have a good income but these debts are very large. I'm pretty sure chapter 7 is the only way t...read more
Social Security Ch 7 Or 13? Problems With Both
Here's my situation: Live in Illinois Single Unemployed for the last 11 of 14 months. Still drawing unemployment of $326 for the next 4 months. $35,000 in unsecured credit card dept Sold a house...read more
Here's my situation: Live in Illinois Single Unemployed for the last 11 of 14 months. Still drawing unemployment of $326 for the next 4 months. $35,000 in unsecured credit card dept Sold a house...read more
Bank Orchard Secured ?? Loan
Pre Chapter 7 question: I took out a loan about 18 months ago with Household Finace. I got a signature loan for $7,000. The balance is now about $5,500. I remember the loan guy asking me if a had a ...read more
Pre Chapter 7 question: I took out a loan about 18 months ago with Household Finace. I got a signature loan for $7,000. The balance is now about $5,500. I remember the loan guy asking me if a had a ...read more
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