Bankruptcy Debts
Bankruptcy Filing CREDIT REPORT
My bankruptcy has been discharged for a year now. I received a credit report the other day. Not all of the account listed are showing included in bankruptcy. Where can i get a list of what accounts ...read more
My bankruptcy has been discharged for a year now. I received a credit report the other day. Not all of the account listed are showing included in bankruptcy. Where can i get a list of what accounts ...read more
Collection Bankruptcy And Collection Agency
My ch7 was discharged in August but my credit reports are showing a credit card account (sold to a collection agency) with a past due balance. I know the credit card was included in the bankruptcy ...read more
My ch7 was discharged in August but my credit reports are showing a credit card account (sold to a collection agency) with a past due balance. I know the credit card was included in the bankruptcy ...read more
Interest Rates Questions About Bank Account Garnishments And Student Loan Default
A friend (really, a friend) defaulted on several student loans but was never contacted directly by the collection agencies or loan authorities; his family and friends received various threatening l...read more
A friend (really, a friend) defaulted on several student loans but was never contacted directly by the collection agencies or loan authorities; his family and friends received various threatening l...read more
Bankruptcy Information Need Advice- How To Deal W/ Creditors
My husband and I are fully prepared to file bankruptcy chapter 13. Our lawyer has everything prepared. They figure our monthly payment including our cars will be 2500 for 556 months. We can't affor...read more
My husband and I are fully prepared to file bankruptcy chapter 13. Our lawyer has everything prepared. They figure our monthly payment including our cars will be 2500 for 556 months. We can't affor...read more
Debt Free What The %^&*(* Is "Mesne Profits"?
Hi, our BK 7 was discharged in 4/03 and mortgage holder #2 (actually their rep) has sent us a summons. We had made it patently clear that we had abandoned the property. There is mention of the Pla...read more
Hi, our BK 7 was discharged in 4/03 and mortgage holder #2 (actually their rep) has sent us a summons. We had made it patently clear that we had abandoned the property. There is mention of the Pla...read more
Credit Fraud Credit Card
Should receive our Chap. 7 discharge in a few weeks and am concerned about not having single credit card in a society that functions on credit cards. My question is.....how can I get 1 credit car...read more
Should receive our Chap. 7 discharge in a few weeks and am concerned about not having single credit card in a society that functions on credit cards. My question is.....how can I get 1 credit car...read more
Attorneys Paying Your Attorney In A Ch. 7
Can someone tell me why it is necessary to have the money up front to pay your attorney for Ch. 7 representation; is it because you would otherwise have to list your attorney as a creditor? If this...read more
Can someone tell me why it is necessary to have the money up front to pay your attorney for Ch. 7 representation; is it because you would otherwise have to list your attorney as a creditor? If this...read more
Balance Sheet Budget In Ch. 7
My attorney has asked for my monthly budget. Could someone please tell me what this is used for. I know the trustee will want to see if any debts could be repaid out of the monthly budget, but is ...read more
My attorney has asked for my monthly budget. Could someone please tell me what this is used for. I know the trustee will want to see if any debts could be repaid out of the monthly budget, but is ...read more
Attorneys What To Do Next?
Here's the deal...I retained a lawyer a year ago to file a chapter 7, in that time my financial situation has changed. I no longer qualify for chapter 7, but will for a chapter 13. Lawyer wants doub...read more
Here's the deal...I retained a lawyer a year ago to file a chapter 7, in that time my financial situation has changed. I no longer qualify for chapter 7, but will for a chapter 13. Lawyer wants doub...read more
Debt Collection Taxes Paid With Credit Card
Fifteen month ago I paid our city, county and school property taxes with our Sears Mastercard using those handy, dandy checks they sent to us. IF we file Chapter 7, will we need to come up with the...read more
Fifteen month ago I paid our city, county and school property taxes with our Sears Mastercard using those handy, dandy checks they sent to us. IF we file Chapter 7, will we need to come up with the...read more
Debt Collection Residence Address
When you fill out the chatper 7 appplication, do you have to give your real residence address, or is a mailing address OK. I have a creditor who I think could try to harrass me at home if I gave ...read more
When you fill out the chatper 7 appplication, do you have to give your real residence address, or is a mailing address OK. I have a creditor who I think could try to harrass me at home if I gave ...read more
Credit Card Debt What Do We Do Now?
I was wondering if you all would be so kind as to help me figure this mess out...A little background... on May 8th of this year My wife and I had our 341 meeting for a chapter 7. Everything went fin...read more
I was wondering if you all would be so kind as to help me figure this mess out...A little background... on May 8th of this year My wife and I had our 341 meeting for a chapter 7. Everything went fin...read more
If Can Transferred Home
One year ago, I put my house in my daughter name. The house is payed for and I am named as a lifetime resident. Now I owe $50,000 in credit cards and I'm on SSI and have no assets. I want to file a ...read more
One year ago, I put my house in my daughter name. The house is payed for and I am named as a lifetime resident. Now I owe $50,000 in credit cards and I'm on SSI and have no assets. I want to file a ...read more
Business Starting A Business Before Filing?
I've delayed filing my chapter 7 till after I get my fed/state returns back? Would it be acceptable to use those funds (about $1000) to start a small business (Inc.)? I've been advised by by BK att...read more
I've delayed filing my chapter 7 till after I get my fed/state returns back? Would it be acceptable to use those funds (about $1000) to start a small business (Inc.)? I've been advised by by BK att...read more
Trust Exactly How Are Assets Verified?
The br code generally allows a certain number of personal possessions to be "exempt", the specifics varying from state to state. Does someone actually come to your place of residence and look over ...read more
The br code generally allows a certain number of personal possessions to be "exempt", the specifics varying from state to state. Does someone actually come to your place of residence and look over ...read more
Debt Settlement Not Filing Bankruptcy
I had posted earlier about needing advice on whether we should file bankruptcy or not. We have 70,000 in credit card debt. One balance of 23,000 on my husbands card. I negotiated a payment plan w...read more
I had posted earlier about needing advice on whether we should file bankruptcy or not. We have 70,000 in credit card debt. One balance of 23,000 on my husbands card. I negotiated a payment plan w...read more
Bankruptcy 341 Meeting
My 341 meeting is scheduled for this Wednesday. What kind of questions can I expect to be asked?...read more
My 341 meeting is scheduled for this Wednesday. What kind of questions can I expect to be asked?...read more
Spark Notes Chapter 13 And Discharging Secured Debts
I've read much about people attempting to preserve a secured home in Chapter 13 bankruptcy. I live in NY, and my question has to do with surrendering a property and having the secured mortgage disc...read more
I've read much about people attempting to preserve a secured home in Chapter 13 bankruptcy. I live in NY, and my question has to do with surrendering a property and having the secured mortgage disc...read more
Free Debt Bankruptcy In The Uk
i was wondering if anyone has any advice for me. basically i have not been paying my debts for the last 8 months - i have been to the citizens advice burea and they suggested i wait till one of...read more
i was wondering if anyone has any advice for me. basically i have not been paying my debts for the last 8 months - i have been to the citizens advice burea and they suggested i wait till one of...read more
Attorneys Transferring / Selling Assets Before Filing Ch7?
Our lawyer seemed to think it would be best if we transferred (to a relative) or sold a car and a boat (because they wouldn't be exempt) and then wait at least 90 days before we filed bankruptcy. W...read more
Our lawyer seemed to think it would be best if we transferred (to a relative) or sold a car and a boat (because they wouldn't be exempt) and then wait at least 90 days before we filed bankruptcy. W...read more
Credit Credit Report Questions
I have not obtained a credit report since my discharge nearly two years ago. I understand that there are three major credit bureaus: Equifax, TransUnion, and Experian. Should I obtain a credit re...read more
I have not obtained a credit report since my discharge nearly two years ago. I understand that there are three major credit bureaus: Equifax, TransUnion, and Experian. Should I obtain a credit re...read more
Debt Help Good Suggestions For Debt Consolidation?
We live in CA. $70,000 credit card debt only. I have heard some are scams. Like I mentioned in other posts, we definitely want to avoid bankrupcty Chapter 13. Any suggestions for reputable co...read more
We live in CA. $70,000 credit card debt only. I have heard some are scams. Like I mentioned in other posts, we definitely want to avoid bankrupcty Chapter 13. Any suggestions for reputable co...read more
Mortgage Negotiate Or Use Debt Consolidation?
We owe around 70,000 in credit debt. Should we try to negotiate our own terms or use a debt consolidation company. We have no assets. Is it true that using a consolidation company would take less ...read more
We owe around 70,000 in credit debt. Should we try to negotiate our own terms or use a debt consolidation company. We have no assets. Is it true that using a consolidation company would take less ...read more
Debt Consolidation To Little Debt To Discharge?
I got a call from a collector who told me that in California my chapter 7 petition would be dismissed because the total amount of my debt is only $5500. could this be true? My income is less than $...read more
I got a call from a collector who told me that in California my chapter 7 petition would be dismissed because the total amount of my debt is only $5500. could this be true? My income is less than $...read more
Credit Debt Need Help Here Please
I am just starting to look into filing chapter 7 bankruptcy...need some help here....what kinds of things can I list on my monthly living expense budget? do I list the minimum payments I make someti...read more
I am just starting to look into filing chapter 7 bankruptcy...need some help here....what kinds of things can I list on my monthly living expense budget? do I list the minimum payments I make someti...read more
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