Personal Bankruptcy
Bank Debit/Checkcards After Bankruptcy
Just curious... If I file Chapter 7, can my bank take away my existing debit/checkcard (not a credit card)? Can they close my checking account? How would they find out I have filed? Tha...read more
Just curious... If I file Chapter 7, can my bank take away my existing debit/checkcard (not a credit card)? Can they close my checking account? How would they find out I have filed? Tha...read more
When Start Credit Card Question
I spoke to a bankruptcy lawyer earlier this month and I have not yet paid the initial fee to retain him. I know that until I pay the initial fee, I'll have to contend with the calls from the credit ...read more
I spoke to a bankruptcy lawyer earlier this month and I have not yet paid the initial fee to retain him. I know that until I pay the initial fee, I'll have to contend with the calls from the credit ...read more
Sparknotes Chapter 13 Question
If a debt beomes part of a Chapter 13 BK, is the payback based solely on principal with interest eliminated? For example, if some files Chapter 13 and opts for a 100% payback, 60-month plan, woul...read more
If a debt beomes part of a Chapter 13 BK, is the payback based solely on principal with interest eliminated? For example, if some files Chapter 13 and opts for a 100% payback, 60-month plan, woul...read more
Bankruptcy Minimum Income Requirement?
I was wondering is there a minimum income requirement for filing bankruptcy? Also, can I use a PO Box for filing? I don't want my landlord to find out about this. I don't have any problem with my re...read more
I was wondering is there a minimum income requirement for filing bankruptcy? Also, can I use a PO Box for filing? I don't want my landlord to find out about this. I don't have any problem with my re...read more
Attorneys What Would Happen If....
If I were to pass away while a bankruptcy is in progress, what would happen to my husband? In other words, if I have surgery or whatever and don't pull through, how would my spouse be affected? I'...read more
If I were to pass away while a bankruptcy is in progress, what would happen to my husband? In other words, if I have surgery or whatever and don't pull through, how would my spouse be affected? I'...read more
Attorneys Another Question.
At this point in time, I yet haven't paid the retaining fee to the lawyer I'm going to hire. My question is this: Since I haven't retained my lawyer yet, one of my credit card has a limit of $300...read more
At this point in time, I yet haven't paid the retaining fee to the lawyer I'm going to hire. My question is this: Since I haven't retained my lawyer yet, one of my credit card has a limit of $300...read more
Credit Debt Reduction/Management
I am considering filing for bankruptcy because of my credit card debt. I looked at the credit counseling option, but the payment they requested was much more than I could afford. I have seen the ...read more
I am considering filing for bankruptcy because of my credit card debt. I looked at the credit counseling option, but the payment they requested was much more than I could afford. I have seen the ...read more
Bankruptcy Back Wages
If, for example, an employer owes back wages and expense reimbursement (say $26,000) and finally pays the employee months later (less than 180 days) after a chapter 7, will the employee get to keep ...read more
If, for example, an employer owes back wages and expense reimbursement (say $26,000) and finally pays the employee months later (less than 180 days) after a chapter 7, will the employee get to keep ...read more
Attorneys Charge Off On Credit Report
There is a post on another board I read saying that if it is noted as a charge off on your credit report instead of as included in bankruptcy, that you can expect to get a 1099 from the creditor. ...read more
There is a post on another board I read saying that if it is noted as a charge off on your credit report instead of as included in bankruptcy, that you can expect to get a 1099 from the creditor. ...read more
Debt Collection New Assets Before 180 Days
was reading something tonight in a book about being required to notify a trustee if you aquire new assets within 180 days of the bankruptcy being finalized. Does this apply to all purchases? F...read more
was reading something tonight in a book about being required to notify a trustee if you aquire new assets within 180 days of the bankruptcy being finalized. Does this apply to all purchases? F...read more
Income Tax Question About Vehicle Redemption
I'm getting ready to file for Chapter 7 in Virginia and I'm thinking about doing a redemption on my vehicle. It's a Mitsubishi Galant with almost 130,000 miles on it. The Blue Book retail value i...read more
I'm getting ready to file for Chapter 7 in Virginia and I'm thinking about doing a redemption on my vehicle. It's a Mitsubishi Galant with almost 130,000 miles on it. The Blue Book retail value i...read more
Bankruptcy Chapter 13 Question
This statement scares me has ANYONE been thru or going thru a ch 13 in the Southern IND district or Indiana? " In other areas, courts rarely approve Chapter 13 plans unless unsecured creditors rece...read more
This statement scares me has ANYONE been thru or going thru a ch 13 in the Southern IND district or Indiana? " In other areas, courts rarely approve Chapter 13 plans unless unsecured creditors rece...read more
Attorneys About To Do This... What Do You Think
Hi I was wondering.. my wife and I are in a ton of debt (obviously) we both got married very young @22, and loaded up on credit card debt about $12,000 the creditors refuse to work with me and are t...read more
Hi I was wondering.. my wife and I are in a ton of debt (obviously) we both got married very young @22, and loaded up on credit card debt about $12,000 the creditors refuse to work with me and are t...read more
Keywords How Soon Can We Move?
As I've written before, we are about to convert our Chapter 13 to a Chapter 7 and surrender the house (good riddance!). We are to meet with our lawyer shortly to do this, but in the meantime I am f...read more
As I've written before, we are about to convert our Chapter 13 to a Chapter 7 and surrender the house (good riddance!). We are to meet with our lawyer shortly to do this, but in the meantime I am f...read more
Minimum Wage Help? Financial Nightmare
I hope someone can help me here. I'm not sure what to do. I'm sort of at the end of my rope. I have been working insane overtime these last few years to make ends meet. I have a good job, but my hus...read more
I hope someone can help me here. I'm not sure what to do. I'm sort of at the end of my rope. I have been working insane overtime these last few years to make ends meet. I have a good job, but my hus...read more
Debt Collection Checking Account
It's been over a year since I last paid my creditor, and I've been saving for my filing/lawyer fee. I was wondering is my checking account being monitored now by my creditor, or by someone else afte...read more
It's been over a year since I last paid my creditor, and I've been saving for my filing/lawyer fee. I was wondering is my checking account being monitored now by my creditor, or by someone else afte...read more
Loans Transfer Student Loans To Credit Cards?
I have a problem. I just graduated from college last year, and my parents put me through school with PLUS loans. I promised that I would pay for the loans once I graduated, even though the loans a...read more
I have a problem. I just graduated from college last year, and my parents put me through school with PLUS loans. I promised that I would pay for the loans once I graduated, even though the loans a...read more
Insurance Chapter 7 Questions
I am getting ready to file Chapter 7 and I have a couple of questions. I have a car that is titled in my name that was bought by my father for my daughter in which she is paying him for. How will ...read more
I am getting ready to file Chapter 7 and I have a couple of questions. I have a car that is titled in my name that was bought by my father for my daughter in which she is paying him for. How will ...read more
Mortgage Getting A Mortage Loan
How long after chapter 7 would you estimate it could take to get a loan for first time buyer? I want to buy and have about 30% to put down. My credit was good all the way up until I claimed BR abo...read more
How long after chapter 7 would you estimate it could take to get a loan for first time buyer? I want to buy and have about 30% to put down. My credit was good all the way up until I claimed BR abo...read more
Divorce What Is The Process Of Judgments
What is the process of judgments and how can you delay or petition them to review to make sure they are truthful and accurate with dates and amounts? Also are they allowed to put their lawyers fees ...read more
What is the process of judgments and how can you delay or petition them to review to make sure they are truthful and accurate with dates and amounts? Also are they allowed to put their lawyers fees ...read more
Bank Can A Creditor Come After Me After Filing Chapter 7?
Last November, Citibank had a garnishment ordered through the court. The garnishment froze my bank account. I filed chapter 7 in December and my bankruptcy was discharged in January. The money tha...read more
Last November, Citibank had a garnishment ordered through the court. The garnishment froze my bank account. I filed chapter 7 in December and my bankruptcy was discharged in January. The money tha...read more
Retirement Income Beneficiary Questions
I'm considering Ch. 7 bankruptcy and have what I think may be an unusual situtation. I have regular income from my job and am the income beneficiary of a testamentary trust set up by my Father. My ...read more
I'm considering Ch. 7 bankruptcy and have what I think may be an unusual situtation. I have regular income from my job and am the income beneficiary of a testamentary trust set up by my Father. My ...read more
Property Tax Please Advise
Hi, my wife and I declared bankruptcy in November, hearing is January 24th. Can any of you please tell me what the likelihood (or certainty) is that the trustee will take all of my tax refund? Those...read more
Hi, my wife and I declared bankruptcy in November, hearing is January 24th. Can any of you please tell me what the likelihood (or certainty) is that the trustee will take all of my tax refund? Those...read more
Credit Debt Chapter 7 Question, About To File Soon! Advice From Anybody!!
I need help. I lost my job last Sept due to a professional licensing suspension and in the process of reinstatement. I never expected the whole process to drag this long. All this time, I am living ...read more
I need help. I lost my job last Sept due to a professional licensing suspension and in the process of reinstatement. I never expected the whole process to drag this long. All this time, I am living ...read more
Debt Chapter 13 ?
For anyone who has been thru a 13 may I ask a few ? First on your UNSECURED debt what percent is being paid .as I have read anywhere from only 10 % percent of debt to 100% of it. Also did you lose ...read more
For anyone who has been thru a 13 may I ask a few ? First on your UNSECURED debt what percent is being paid .as I have read anywhere from only 10 % percent of debt to 100% of it. Also did you lose ...read more
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