Bankruptcy Types

Capital Gains Offer In Compromise And Chapter 7 Possible?
I intend to file Chapter 7 personal bankruptcy very soon. In addition, I owe over $13k in Federal taxes for 2002 (personal return, not business). It is my understanding that chapter 7 will not di...read more

Chapter Summaries Chapter 7 Between Two Parties
I am getting divorced and it will be difficult to keep paying large credit debt and I think ex-wife will not be able to pay for her half, and I will not be able to carry the whole amount. Can Ban...read more

Credit Cards Downward Spriral
Don't know how many people on here give good advice but i'll try anything at this point. I have two credit cards, one maxed at $3000 and the other maxed at $3800. I have a 1998 financed vehicle fo...read more

Debt Collection Judgement
Have a judgement for 17,000 on a mobile home that was repoed over 6 years ago. Finance compay never gave any credit for the sale of the repo and judgement was filed with local court. Judgement...read more

Attorneys HOw Often Do You Loose You Home In Ch 7?
My home may not be totally exempt. We're finally on all unsecured notes, teh equity could range from 300 to 4000-- depends on how the attorney classifies one bill, the debt is 19k, all medical, wha...read more

Credit Getting My Credit Report Straight!
I sure hope someone can help me ! I owe mont wards around 500.00 dollars. Well as some of you know they went bankrupt I need to get this paid or ? but the last thing I want to do is pay a collection...read more

Debt Collection My Attorney
When I had my first meeting with my bankruptcy attorney, my main concern, at the time, was the deluge of phone calls from creditors. My attorney suggested that I wait for a couple months before fili...read more

Frequent Flyer 2 Cars With Same Bank - Can I Redeem ONE During Ch7?
I have two vehicle loans through the same bank. They are "cross-collateral" secured loans or something like that the bank says. They say I cannot redeem one vehicle, I must redeem BOTH or lose BOTH....read more

Foreclosures Foreclosure After Bankruptcy - Impact On Future?
I have gone through a Ch7 which was recently discharged, and I was planning to give up my home to foreclosure due to the fact that I owe roughly $30,000 more than the home is worth on a large second...read more

Mortgage Loans Foreclosure After Bankruptcy
I recently received my Ch7 discharge in Washington state. We are giving up our home, ie we have not paid the last 3 mortgage (and 2nd mortgage) payments. So far I don't know of any notice to remove ...read more

Credit Report Help...Divorcing...Bankruptcy Now Or Later
Wife and I have a 58K credit debt. We no longer have credit cards as we started a repayment program through a credit counseling company about a year ago. Payments did not go down, but the promised...read more

Bank Two Leases With US Bank Chpt 7
I have two leases with US Bank. I am going to file CHPT 7 this month. One of the leases is very far behind and i intend to let them have the car back. The second lease is current and I would li...read more

Attorneys Brett,should I File 7 Or 13?
to make a long story short: Laid off in 10/2001 and retrained into IT(I know that was a huge mistake)obtained a low paying tech support position(17000 yr) and the wife was working. Everything was m...read more

Debt Settlement Credit Card Debt
I have found myself in a jam. I am overwehelmed by credit card debt. I am now over five months in the rear,and just cannot see how I would ever be able to pay such a large debt (Around 60,000) in cr...read more

When Start Sheriffs Letter Certified
I just got a letter from the Sheriffs Dept stating I have to pay 10% of my salary until my debt is paid off. -First they already put a restraining order on my checking account so how am I suppose...read more

Bankruptcy Court Medical Bankruptcy
I had a post march 23 saying Blue Cross recalled money of $111,000.00. Now not knowing any other way April 1 I signed papers to file bankruptcy. Today I leaned that that my employer has sent a lette...read more

Attorneys Filing Ch. 7 In Florida Without Lawyer, Need Advice On Process
I am filing chapter 7 in Florida without a lawyer, can someone give me an idea of what forms (i have downloaded all the forms) i need to submit, and at what time.....I just need some advice on doing...read more

Pregnancy Test 341 And Assorted Questions...
Hi all, my 341 meeting has finally been scheduled for May 7th. after reading many of the accounts on this board I'm not too worried (jitters definately, though) but I do have a question.... our atto...read more

Loan Bad Credit Student Loan Questions
I've got some questions. I've read that student loans are not dischargable on a bankruptcy. I've also read that if one can prove hardship, or if the loan(s) are over 7 years old, that they can be di...read more

Credit Report One Spouse Filing Bankruptcy - Would A Joint Car Be An Asset?
I had two credit card bills that were charged off as R9s 3 years ago in a divorce - 18k total. I tried the "maybe they will give up and go away tactic" since my credit was already shot, but they hav...read more

Home Mortgage CH 7 - Automobile - Brett Any Comments???
I received my discharge papers about 6 months ago now and must say it was one of the best decisions I could have made. For once I feel like I'm getting ahead of the game. That said, part of the ...read more

Attorneys Lien Release
I know I have asked this question before. What form do I have to file and in what court to get a lien released on a car that was discharged in C-7 a year ago. The car is still sitting in my drivewa...read more

Real Estate Giving Up House With 2nd Mortgage - How To Do It?
We have recently received our Ch7 discharge and want to give up our house because it is worth less than the first & second mortgages combined. How is this process supposed to work? Our attorney s...read more

Green Card Withdraw Ch. 7 And Refile When?
I'm considering withdrawing ch 7 filing that my lawyer filed last Monday... the reason is conflict with the house... I gave up the house few months ago verbally not legally on paper to my mother... ...read more

Tax Property Can Someone Translate This To Layman (sic) Terms For Me, Please
Got my appointment set with the attorney, he said to go check out the TN state site for exemptions and start doing my math and he'll double check it. I hit one of those phrases I just don't understa...read more

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