Bankruptcy Alternative
Debt Collection Secured Claims?
On our petition, we listed all of our creditors such as Sears as unsecured creditors. Sears has since sent us a letter saying they are a secured creditor. We have not met with the trustee yet...sh...read more
On our petition, we listed all of our creditors such as Sears as unsecured creditors. Sears has since sent us a letter saying they are a secured creditor. We have not met with the trustee yet...sh...read more
Judgement When Exactly Does A Judgement Go Away For Good?
I live in texas and had a $5K judgement against me for a car that was repoed in 1984. Long story short, I lost my job and couldn't pay it off so there was a judgement. The judgement was sold 6-7 ...read more
I live in texas and had a $5K judgement against me for a car that was repoed in 1984. Long story short, I lost my job and couldn't pay it off so there was a judgement. The judgement was sold 6-7 ...read more
Used Cars Question About How To Proceed (chapter 7)
I am not going to trouble you all with all the details of my story, but the jist of it is we have 35k of unsecured debt plus student loan, 2 car notes and a house note. We are just in over our head...read more
I am not going to trouble you all with all the details of my story, but the jist of it is we have 35k of unsecured debt plus student loan, 2 car notes and a house note. We are just in over our head...read more
Tell I Move Before Or After Ch7
I am filing CH 7 soon. I plan to move from renting an apartment to renting a room in a house soon. (right down the road)..My question is should I file then move or move first and get my new address...read more
I am filing CH 7 soon. I plan to move from renting an apartment to renting a room in a house soon. (right down the road)..My question is should I file then move or move first and get my new address...read more
Debt Collection Question About Loans
Can someone explain some bankruptcy options for us? We are NEVER late, we never have collectors calling but we live pay check to pay check. We made a bad mistake (in our opinion) and took out a...read more
Can someone explain some bankruptcy options for us? We are NEVER late, we never have collectors calling but we live pay check to pay check. We made a bad mistake (in our opinion) and took out a...read more
Loans Personal Secured Debt
i'm searching for some informations for a very good friend who filed chapter 13 about 9 months ago and who is facing soon difficulties making the monthly payments (she is under a special payment pla...read more
i'm searching for some informations for a very good friend who filed chapter 13 about 9 months ago and who is facing soon difficulties making the monthly payments (she is under a special payment pla...read more
Credit Cards What Percentage To Credit Cards?
Just out of curiosity, what is the MINIMUM percentage that must be paid to unsecured creditors (credit cards)in a Chapter 13 Bankruptcy in various areas? I've tried to GOOGLE some sort of data base,...read more
Just out of curiosity, what is the MINIMUM percentage that must be paid to unsecured creditors (credit cards)in a Chapter 13 Bankruptcy in various areas? I've tried to GOOGLE some sort of data base,...read more
Attorneys Computer Bankruptcys
I am pretty sure that bk would be the best route for me with my current situation. The biggest problem is being able to pay the attournys fees to get it done (the three lawyers I have talked to all ...read more
I am pretty sure that bk would be the best route for me with my current situation. The biggest problem is being able to pay the attournys fees to get it done (the three lawyers I have talked to all ...read more
Credit Card Ch. 7: Pre-Discharge Unsecured Creditor Reaffirmation Offer
My Chapter 7 discharge is set for mid-October. My attorney recently received an offer from Capital One to reduce my debt from $1.3K to $500, set up a credit card with 14.9% interest and a $600 limi...read more
My Chapter 7 discharge is set for mid-October. My attorney recently received an offer from Capital One to reduce my debt from $1.3K to $500, set up a credit card with 14.9% interest and a $600 limi...read more
Debt Settlement I Need Some Support....
And maybe lots of help. To make a looooong story short,, I am 30K$ in CC & department store card debt. I am married but I am sure will be divorced soon when my spouse learns of all this. I am in ...read more
And maybe lots of help. To make a looooong story short,, I am 30K$ in CC & department store card debt. I am married but I am sure will be divorced soon when my spouse learns of all this. I am in ...read more
Debt Collection Notice Of Intent To Sue
We paid a local attorney's office to represent us (my wife and I)in filing Chapter 7. The attorney was paid in full for the service in late July and we were told at the time to stop making payments...read more
We paid a local attorney's office to represent us (my wife and I)in filing Chapter 7. The attorney was paid in full for the service in late July and we were told at the time to stop making payments...read more
Debt Settlement Bankruptcy And Other Legal Questions
I recently received notice that I have been sued by a creditor (defaulted car loan in which the vehicle was repossessed). I also defaulted on another car loan (not the same creditor.the car was tot...read more
I recently received notice that I have been sued by a creditor (defaulted car loan in which the vehicle was repossessed). I also defaulted on another car loan (not the same creditor.the car was tot...read more
What Means 2 Questions
Background. Because I don't have enough money, neither assets, even to pay attorneys fees I just stopped payments. --------------- 1.- What does this part of this letter mean? "... Upon rec...read more
Background. Because I don't have enough money, neither assets, even to pay attorneys fees I just stopped payments. --------------- 1.- What does this part of this letter mean? "... Upon rec...read more
Debt Collection After Discharge Offers And Credit
I had my 341 in March and received my discharge Ch. 7 in early July and decided to wait until I really needed to purchase another vehicle. My current vehicle has too many miles on it now to make me ...read more
I had my 341 in March and received my discharge Ch. 7 in early July and decided to wait until I really needed to purchase another vehicle. My current vehicle has too many miles on it now to make me ...read more
Tax Sales About Short Sales On Foreclosures
A little history...filed Ch 7 4/03, discharged 8/03, included home (owe 1st mtg $160,000 2nd mtg $40,000), 5 credit cards and 3 automobiles (voluntary repos). Have been contacted by individual (r...read more
A little history...filed Ch 7 4/03, discharged 8/03, included home (owe 1st mtg $160,000 2nd mtg $40,000), 5 credit cards and 3 automobiles (voluntary repos). Have been contacted by individual (r...read more
Auto Refinance Finance A Car Or Pay Mostly Cash To Rebuild Credit?
I went through bankruptcy about a year ago. I have some money now to buy a car in cash. Would it be better to finance a new car for a few months, then pay it off in order to build up my credit, or a...read more
I went through bankruptcy about a year ago. I have some money now to buy a car in cash. Would it be better to finance a new car for a few months, then pay it off in order to build up my credit, or a...read more
Debt Settlement Anyone Knowledgable...
Is there any distinction between how unpaid taxes(principle) are handled vs. unpaid tax penalties when filing a chapter 13? Also, when filing a 13, what do they do if your income cannot reasonably...read more
Is there any distinction between how unpaid taxes(principle) are handled vs. unpaid tax penalties when filing a chapter 13? Also, when filing a 13, what do they do if your income cannot reasonably...read more
Debit Card Will I Be Nailed At The Border If I Return To The US?
I've not worked or made a payment on my debts for 4 years. With interest and late fees I owe at least $300,000 all of which is unsecured credit card debt. I don't know the exact amount because the ...read more
I've not worked or made a payment on my debts for 4 years. With interest and late fees I owe at least $300,000 all of which is unsecured credit card debt. I don't know the exact amount because the ...read more
Real Estate $ Amount
Do you put the exact amount owed or round it off to the nearest dollar? When listing the value of tv, computer, etc. Do you put the price when it was new or somehow find out what the depreciation wo...read more
Do you put the exact amount owed or round it off to the nearest dollar? When listing the value of tv, computer, etc. Do you put the price when it was new or somehow find out what the depreciation wo...read more
Debt Collection Anyone Knows
I am in the final months of a 37 month CH13 and I wonder if there can be creditors to be paid who did not file when I started the CH13. Let me explain. #1 When I filed I listed ALL of my credit...read more
I am in the final months of a 37 month CH13 and I wonder if there can be creditors to be paid who did not file when I started the CH13. Let me explain. #1 When I filed I listed ALL of my credit...read more
Attorneys Summary Judgement After Ch. 7 Filing
My attorney filed my chapter 7 bankruptcy one day before a creditor's summary judgment hearing, but somehow the hearing still went through and was granted. I did not show up for the hearing because...read more
My attorney filed my chapter 7 bankruptcy one day before a creditor's summary judgment hearing, but somehow the hearing still went through and was granted. I did not show up for the hearing because...read more
Lawyer Say What?
I filed back in Feburary (this year) and my hearing was in May. I got my discharge last month. The only thing that I discharged were some very old taxes. I just got a letter today stating that I ove...read more
I filed back in Feburary (this year) and my hearing was in May. I got my discharge last month. The only thing that I discharged were some very old taxes. I just got a letter today stating that I ove...read more
Credit Card Debt After Filing
My attorney filed last Friday. I have a few questions: When can I expect creditors' calls to stop? I kept a credit card with 0 balance that I obviously didn't include in the bankruptcy, when c...read more
My attorney filed last Friday. I have a few questions: When can I expect creditors' calls to stop? I kept a credit card with 0 balance that I obviously didn't include in the bankruptcy, when c...read more
Small Business Anyone W/ Similar Exp
I have just about decided that BK is the only solution to my situation. However, I started a home based business about 2 yrs ago (which is mostly the cause of the situation)and I am concerned what ...read more
I have just about decided that BK is the only solution to my situation. However, I started a home based business about 2 yrs ago (which is mostly the cause of the situation)and I am concerned what ...read more
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