Bankruptcy Chapter 7
Start Business Considering Bankruptcy: Some Questions Re Florida, Spouse, Circuit City, And "means Test"
we're considering bankruptcy and i had a few questions if anyone could give me some advice. 1. we're in florida, is there anything i should be concerned about with florida? 2. all the debt is...read more
we're considering bankruptcy and i had a few questions if anyone could give me some advice. 1. we're in florida, is there anything i should be concerned about with florida? 2. all the debt is...read more
Credit Card Debt Listing Creditors For BK
This may become a hard task to list the creditors. Some of the problems we are having is it seems some of the original creditor have sold our account to several different collection agencies for th...read more
This may become a hard task to list the creditors. Some of the problems we are having is it seems some of the original creditor have sold our account to several different collection agencies for th...read more
Debit Card Gift Card
After studying the differences between Ch 7 and 13 I have come the the "brilliant" conclusion that Ch 13 stinks. It really squeezing everything out of you it can. You basically live very, very fru...read more
After studying the differences between Ch 7 and 13 I have come the the "brilliant" conclusion that Ch 13 stinks. It really squeezing everything out of you it can. You basically live very, very fru...read more
New Homes Bankruptcy Chapter 7 And 13
I own a townhouse valued at 78k and curretnly owe around 65k on it and have bills in excess of 95k and one vehicle 1993 sports car and no other assets in a chapter 7/13 situation will I be able to k...read more
I own a townhouse valued at 78k and curretnly owe around 65k on it and have bills in excess of 95k and one vehicle 1993 sports car and no other assets in a chapter 7/13 situation will I be able to k...read more
Chapter Bankruptcy Buying A House, All Cash, While Avoiding Creditors
Hi, I have $200,000.00 in cash, and they say I owe $70,000.00 in consumer debt. I would like to purchase a house in Florida, paying cash, no mortgage. I do not want to pay this so-called debt. My q...read more
Hi, I have $200,000.00 in cash, and they say I owe $70,000.00 in consumer debt. I would like to purchase a house in Florida, paying cash, no mortgage. I do not want to pay this so-called debt. My q...read more
Law Rules BARF
I don't know if this has been posted yet. I've looked through the information about BARF. Does anyone know when it will be made law and how long after that does it go into effect. As a professi...read more
I don't know if this has been posted yet. I've looked through the information about BARF. Does anyone know when it will be made law and how long after that does it go into effect. As a professi...read more
Debt Collection Judgement.......validation Attempt?
In a court with a judgement can you ask the creditor to validate? Will that buy you some time or do they come equipped ready with validation? Reason is, my husbands card is past due $23,000 + ...read more
In a court with a judgement can you ask the creditor to validate? Will that buy you some time or do they come equipped ready with validation? Reason is, my husbands card is past due $23,000 + ...read more
Bankruptcy Advice...Convert To Chapter 7
We are planning on filing for bankruptcy. In our financial state now we would start off in Chapter 13. We know our finances are going to change in the future. We know that I am going to be quitting...read more
We are planning on filing for bankruptcy. In our financial state now we would start off in Chapter 13. We know our finances are going to change in the future. We know that I am going to be quitting...read more
Homestead Exemption Will BARF Affect State-specific Exemptions?
In my state the exemptions are (partially): Homestead -Real or personal property used as residence to $25,000; unused portion of homestead may be applied to any property Personal Property -An...read more
In my state the exemptions are (partially): Homestead -Real or personal property used as residence to $25,000; unused portion of homestead may be applied to any property Personal Property -An...read more
Debt Settlement Arbitration? What Is It?
We got a notice from one of my husbands creditors saying they were going to verify home, work, bank accounts etc. For possible arbitration. (Citibank) What does this mean? It sounds scary but I...read more
We got a notice from one of my husbands creditors saying they were going to verify home, work, bank accounts etc. For possible arbitration. (Citibank) What does this mean? It sounds scary but I...read more
Girlfriend Bankruptcy Advice
I'm not american, I liive in Italy thus I'm not familiar witth your laws and your terminnology but I've been reading the NG and the PDF file that Brett posted few days ago and I think I have an over...read more
I'm not american, I liive in Italy thus I'm not familiar witth your laws and your terminnology but I've been reading the NG and the PDF file that Brett posted few days ago and I think I have an over...read more
Tax Income Disposable Income- What Does This Mean?
Can anyone explain this to me? Does this mean my expenses to run my small home business are not allowed? California- Chapter 13 or 7? Disposable income is defined as income not reasonably neces...read more
Can anyone explain this to me? Does this mean my expenses to run my small home business are not allowed? California- Chapter 13 or 7? Disposable income is defined as income not reasonably neces...read more
Mortgage Calculator Chapter 13? Will It Effectively Lower My Principal On My Mortgage?
I filed chapter 13 2 and half years ago. My mortgage is on the program. I am to be on ch13 for 5 years,after which time i am to continue paying my mortgage on my on. At the time i filed ch13 the pa...read more
I filed chapter 13 2 and half years ago. My mortgage is on the program. I am to be on ch13 for 5 years,after which time i am to continue paying my mortgage on my on. At the time i filed ch13 the pa...read more
Student Loans STudent Loans In The Bank
I just recieved my student loan from the school, and rather coincidentally had a proccess server come sniffing around. Now, here's the question-- next week I was going to school to speak to the ...read more
I just recieved my student loan from the school, and rather coincidentally had a proccess server come sniffing around. Now, here's the question-- next week I was going to school to speak to the ...read more
Credit Repair Question About Valuing Property.
I am considering bankruptcy (had a process server drop by ) and am starting collecting info on my assets. First of all, I have a two year old computer, paid for. A bunch of science fiction books--...read more
I am considering bankruptcy (had a process server drop by ) and am starting collecting info on my assets. First of all, I have a two year old computer, paid for. A bunch of science fiction books--...read more
Car Alarm My Car Is Worth Too Much
I have a real problem. I'm $35,000 in credit card debt and need to file chapter 7 before the new law comes into effect. The problem is I live in AZ and the car allowance is only $1500, $4000 if you ...read more
I have a real problem. I'm $35,000 in credit card debt and need to file chapter 7 before the new law comes into effect. The problem is I live in AZ and the car allowance is only $1500, $4000 if you ...read more
Of Court How To Get Around Having To File Bancruptcy
My sister is doing her best to raise three kids after her ex ran off with some 20 y.o. She was doing pretty good till this bottomfeeder of a judgement collector came around and is harassing my siste...read more
My sister is doing her best to raise three kids after her ex ran off with some 20 y.o. She was doing pretty good till this bottomfeeder of a judgement collector came around and is harassing my siste...read more
Visa Card Question About CC's And Bankruptcy
My wife and I are having financial troubles. Call it what you will.....bad planning, sporadic spending, not making enough money, unexpected baby, unexpected expenses in regards to her stepkids; I c...read more
My wife and I are having financial troubles. Call it what you will.....bad planning, sporadic spending, not making enough money, unexpected baby, unexpected expenses in regards to her stepkids; I c...read more
Credit Fraud What Happens After Discharge
So I've had my 341 meeting (Chapter 7) and everything went OK. I'm keeping my house and car and have a good payment record on both of the accounts. 1. Will the Mortgage Company and GMAC ever start...read more
So I've had my 341 meeting (Chapter 7) and everything went OK. I'm keeping my house and car and have a good payment record on both of the accounts. 1. Will the Mortgage Company and GMAC ever start...read more
Job Interview Questions Affects Of BK On Your CR?
I also had a second question... While I am weighing the options of debt negotiation vs BK, they thing I am most afraid of is the affect of BK on my CR in regards to obtaining employment in the futu...read more
I also had a second question... While I am weighing the options of debt negotiation vs BK, they thing I am most afraid of is the affect of BK on my CR in regards to obtaining employment in the futu...read more
Debt Settlement Cancelled Checks Vs Electronic/phone Payment Receipts
If I have to provide proof of payment(say several years from now) will computer statements from a bank showing transfers to a company be accepted as proof. How about payments charged to my CC to a ...read more
If I have to provide proof of payment(say several years from now) will computer statements from a bank showing transfers to a company be accepted as proof. How about payments charged to my CC to a ...read more
Collect Judgment What Is Stipulated Judgement?
Instead of having to go through all this court junk and have them get a judgment anyway we decided to make a payment arrangement. In return they would file a stipulated judgment? The payments are...read more
Instead of having to go through all this court junk and have them get a judgment anyway we decided to make a payment arrangement. In return they would file a stipulated judgment? The payments are...read more
State Law BARF Questions Again
Since the law has not been passed yet when and if its passed will it go retro? It seems even if it passes this Sept and has 6 mos to become law that wouldnt be until March 04. Is that correct? So ...read more
Since the law has not been passed yet when and if its passed will it go retro? It seems even if it passes this Sept and has 6 mos to become law that wouldnt be until March 04. Is that correct? So ...read more
Homeowners Association Bankruptcy 7 And13
I own a townhome estimated value 85k and owe about 95k in bills the home has a current loan of 55k on it also the hoa is a little predijucted against homeowners the hoa thrives on suits against the ...read more
I own a townhome estimated value 85k and owe about 95k in bills the home has a current loan of 55k on it also the hoa is a little predijucted against homeowners the hoa thrives on suits against the ...read more
Attorneys I'm Being Sued By Discover
So, here's the question-- I recieved my summons, ahead of when I was going to file with the court for a chapter 7 (might was well get it over...). Now, the suit is in Riverside (CA) superior co...read more
So, here's the question-- I recieved my summons, ahead of when I was going to file with the court for a chapter 7 (might was well get it over...). Now, the suit is in Riverside (CA) superior co...read more
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