Bankruptcy Forms
Car Loan I've Made A Financial Mess And Could Use Some Advice..
I haven't posted here before. I think I've made a pretty good financial mess and I'm not sure where to look for advice. There seem to be some knowlegeable people here, so maybe you guys can point ...read more
I haven't posted here before. I think I've made a pretty good financial mess and I'm not sure where to look for advice. There seem to be some knowlegeable people here, so maybe you guys can point ...read more
Debt Settlement Am I A Secured, Unsecured Priority, Or Unsecured ...
I sold a customer 72k in goods (unsecured). The customer was not paying their invoices so I took legal action against the customer. I won a summary judgment for 85k on March 21. Money was found i...read more
I sold a customer 72k in goods (unsecured). The customer was not paying their invoices so I took legal action against the customer. I won a summary judgment for 85k on March 21. Money was found i...read more
Mom Son Being A Creditor
My mom got papers that a company which owes her 170K filed bk. She personally provided the loan when my stepdad bought an interest in the company. They were running it. It was a machine shop. ...read more
My mom got papers that a company which owes her 170K filed bk. She personally provided the loan when my stepdad bought an interest in the company. They were running it. It was a machine shop. ...read more
Car Motor Question On Car
I'm posting anon obviously because creditors may be watching this group. But I'm not a newbie here. I'm afraid creditors could take my car in a judgement cause its worth more than 3k. I just paid th...read more
I'm posting anon obviously because creditors may be watching this group. But I'm not a newbie here. I'm afraid creditors could take my car in a judgement cause its worth more than 3k. I just paid th...read more
Credit Statements In Credit Report
What kind of statements does one put in their credit report to explain their bankruptcy. In my case, it was largely due to unexpected unemployment. Others may be hit with an unexpected illness....read more
What kind of statements does one put in their credit report to explain their bankruptcy. In my case, it was largely due to unexpected unemployment. Others may be hit with an unexpected illness....read more
Bankruptcy Terrified As A College Student..
I am in serious debt. Capital One just sent me a summons, and I had been considering filing bankruptcy before that. I really can't afford a lawyer, and I need to file in 20 days, otherwise I wil...read more
I am in serious debt. Capital One just sent me a summons, and I had been considering filing bankruptcy before that. I really can't afford a lawyer, and I need to file in 20 days, otherwise I wil...read more
Mortgage Washington State
I believe I will be filing Chapter7 - hospital bills (heart by-pass one year ago and 6 months ago gall bladder removal)- collectors are circling up, my wife passed on in April and we didn't live tog...read more
I believe I will be filing Chapter7 - hospital bills (heart by-pass one year ago and 6 months ago gall bladder removal)- collectors are circling up, my wife passed on in April and we didn't live tog...read more
Mortgage House And Bankruptcy
I have been given a letter from banks solicitors to quit my unit immediately. 1. I am not behind in mortgage repayments 2. I owe the bank for a business overdraft which they secured against my uni...read more
I have been given a letter from banks solicitors to quit my unit immediately. 1. I am not behind in mortgage repayments 2. I owe the bank for a business overdraft which they secured against my uni...read more
Land For Sale Question: Chap.7 Liquidation
I'm filing a chapter 7, petition in Los Angeles and i'd like to get an idea of how much of my property a trustee is likely to take in his attempt to get some money out of it. most of my property is ...read more
I'm filing a chapter 7, petition in Los Angeles and i'd like to get an idea of how much of my property a trustee is likely to take in his attempt to get some money out of it. most of my property is ...read more
Employment Agency FDCA Question
First of all, a collection agency called me at home, and when someone else answered the phone, they informed them they were a collection agency and were "going to sue". Now, as I understand it,...read more
First of all, a collection agency called me at home, and when someone else answered the phone, they informed them they were a collection agency and were "going to sue". Now, as I understand it,...read more
Income Tax Excuse The Double Post.. What Is The Criteria Of Chapter 7 Changeing To Chapter 13
My laywer never mentioned it until it was time to sign. Then he had me sign paper work acknowledging that he notified me that 'My case could be converted to a chapter 13' .. I assume this has to do...read more
My laywer never mentioned it until it was time to sign. Then he had me sign paper work acknowledging that he notified me that 'My case could be converted to a chapter 13' .. I assume this has to do...read more
How Does Work Should I Expect Conversion To Chapter 13 From 7
My laywer never mentioned it until it was time to sign. Then he had me sign paper work acknowledging that he notified me that 'My case could be converted to a chapter 13' .. I assume this has to do ...read more
My laywer never mentioned it until it was time to sign. Then he had me sign paper work acknowledging that he notified me that 'My case could be converted to a chapter 13' .. I assume this has to do ...read more
Business Business And Personal Bankruptcy Long..
My wife and I are in deep debt. We have been trying to keep our small business alive in an extremely competitive market. We just can't afford to compete with the "big boys" and have had to use up mo...read more
My wife and I are in deep debt. We have been trying to keep our small business alive in an extremely competitive market. We just can't afford to compete with the "big boys" and have had to use up mo...read more
Bad Credit Loan School Loans
I am sure someone has already asked this question, but if you filed for Chapter 13 can lending institutions deny/cancel federal loans until the bankruptcy has been completed? Wells Fargo won't disb...read more
I am sure someone has already asked this question, but if you filed for Chapter 13 can lending institutions deny/cancel federal loans until the bankruptcy has been completed? Wells Fargo won't disb...read more
Debt Collection Debt Elimination A Scam?
Before I file for chapter 7 (I have $85,000 in debt and only earn $90,000/year) due to busness failure, I have seen sites ont eh web that offer to ELIMINATE debt - not reduction but elimination thr...read more
Before I file for chapter 7 (I have $85,000 in debt and only earn $90,000/year) due to busness failure, I have seen sites ont eh web that offer to ELIMINATE debt - not reduction but elimination thr...read more
Attorneys Continue With BK Or Stop
A year ago my wife and I decided to file Chapt. 7. We retaied a lawyer and are continuing to mkae payments to him and have not proceeded furter. In that time my wife and I have separated. (not legal...read more
A year ago my wife and I decided to file Chapt. 7. We retaied a lawyer and are continuing to mkae payments to him and have not proceeded furter. In that time my wife and I have separated. (not legal...read more
Children Being Cosigner On A Mortage
Why is reaffirmation on a cosigned note such a deal? I cosigned for my parents, using my home as the colateral, the note isn't in default, I don't owe the mortage company anything, etc, etc...yet m...read more
Why is reaffirmation on a cosigned note such a deal? I cosigned for my parents, using my home as the colateral, the note isn't in default, I don't owe the mortage company anything, etc, etc...yet m...read more
Bankruptcy Parents Bankruptcy And Me
I have some questions regarding bankruptcy. My parents are needing to file bankruptcy. They have defaulted on their cc. They are on a limited fixed income and are living in a shack with no power, ...read more
I have some questions regarding bankruptcy. My parents are needing to file bankruptcy. They have defaulted on their cc. They are on a limited fixed income and are living in a shack with no power, ...read more
Someone You Calls After BK
I had my Bk discharged in February. I failed to put Cingular Wireless into the BK. The collection agency keeps calling my home and my place of employment. Do i have any recourse in this matter?. I h...read more
I had my Bk discharged in February. I failed to put Cingular Wireless into the BK. The collection agency keeps calling my home and my place of employment. Do i have any recourse in this matter?. I h...read more
Tax Calculator Salary May Change.......opinions Please
I am going to be refiling a Ch. 7 bankruptcy in August. There is a "chance" that my employer wants to give me a promotion, which means a salary increase. This increase would make my earnings a lit...read more
I am going to be refiling a Ch. 7 bankruptcy in August. There is a "chance" that my employer wants to give me a promotion, which means a salary increase. This increase would make my earnings a lit...read more
Employment Law Questions For Anyone
1. If I list my profession as student, am I able to exempt my computer? 2. Since I built the computer myself, should I just compare it to comparable systems for a price? 3. If I were to lis...read more
1. If I list my profession as student, am I able to exempt my computer? 2. Since I built the computer myself, should I just compare it to comparable systems for a price? 3. If I were to lis...read more
First Years Do People Lead Regular, Happy Lives After BK?
So, I may be nowhere near BK. Maybe. But's in the back of my mind as something that I could see happening someday. We're a middle-income couple (will make gross $75,000 to $80,000 combined) with bab...read more
So, I may be nowhere near BK. Maybe. But's in the back of my mind as something that I could see happening someday. We're a middle-income couple (will make gross $75,000 to $80,000 combined) with bab...read more
Jobs 341 And Employment
My husband and I owe about $50K. We live in NYC where the cost of living is the highest in North America. A cheap studio apartment runs about $800+. I have been out of work for 17 months in count...read more
My husband and I owe about $50K. We live in NYC where the cost of living is the highest in North America. A cheap studio apartment runs about $800+. I have been out of work for 17 months in count...read more
Mileage Rate Do These Expenses Look Reasonable?
I'm trying to figure out my expenses.. does this seem reasonable? rent = 400.00 electricity = 40.00 telephone = 60.00 (20 home and 40 cell) Other utilities = 105 (cable = 55, internet = 50) foo...read more
I'm trying to figure out my expenses.. does this seem reasonable? rent = 400.00 electricity = 40.00 telephone = 60.00 (20 home and 40 cell) Other utilities = 105 (cable = 55, internet = 50) foo...read more
Community College Can Tuition Count Towards Expenses?
I pay around $400 a month towards a monthly tuition plan. This is a monthly amount that is almost year round and will be for the next 3-4 years. By almost year round I mean that typically in Decembe...read more
I pay around $400 a month towards a monthly tuition plan. This is a monthly amount that is almost year round and will be for the next 3-4 years. By almost year round I mean that typically in Decembe...read more
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