Bankruptcy Procedure

Car Loan Vehicle Shouldn't Have Been Listed
My husband filed chapter 11 a year and a half ago. One of the items he did NOT want listed on the bankruptcy was the leased vehicle. He paid the lease until it's end, then received an odd letter t...read more

Debt Settlement Garnish A Joint Bank Account?
Im in the state of Maryland. My mother has me on an account of hers with approx. 50k in it. She put me on this account so if she would pass we would have easy access to have the money to pay for the...read more

Divorce Attorney Wrongful Judgment
I had a few judgments placed against me while on Active Duty. I have copies of both affidavits of service from the two judgments. I would have liked the opportunity to dispute the amounts by both ju...read more

Mortgage Home Owners Ins And Taxes?
Hopefully a couple of quick questions? 1. Should I pay the propority taxes prior to filing for BK? 2. Should I continue to pay home owner insurance? Thanks in advance,...read more

Credit Check Should I File?
I was just notified that my checking account has been garnished. The judgment was for $1400 and some change, and I didn't even know I was being sued. I also have other credit card debt that I've b...read more

Credit Counseling Bankruptcy & Married Couples
I need help in trying to understand what happens to my credit report if my wife files for bankruptcy. We have been married over 10 years and have children. We do not have (and never had) any joint b...read more

Credit Card Questions From Newbie/ Discover Card/ MN Or NY Better To File In
First, I have heard that Discover Card will not allow you to include them in bankruptsy, that when you signed the CC form for them it included a statement to that effect. That just doesn't seem righ...read more

Bank Checking Account Question
I had a few too many checks bounce with my former bank and recently had my account closed.. I tried to get an account at another bank but they refused due to my past history (though I paid my bank a...read more

Credit Renting With Poor Credit. Any Tips?
I realize there are landlords who may not check credit. However, I am looking for any tips, suggestions etc. for overcoming objections of landlords who do check credit reports. Most of the landlo...read more

Credit Card MBNA Etal
This has probably been asked and answered so I apologize. My friends at MBNA have decided they shouldn't report an account as included in bankruptcy because they sold it to a collection agency. I ca...read more

Attorneys Not Sure
I am an independent contractor who lost his contract.However I will be starting a new job on monday and I will be paid hourly.I spoke with a BK attorney about filing he told me I should wait until I...read more

Discharge Why Do They Keep Tempting Me?
I filed for bankruptsy 3 years ago, yet I keep receiving solicitations from major credit card companies for cards at least twice a week. Every so often, I think, maybe it's ok now to get a card, bu...read more

Car Loan Stuck With A Car
I have ended up with a car and no title. A guy brought the car to me to to rebuild the motor for him. OK I have rebuilt the engine in the car and have $1500 invested in this car and the guy says he ...read more

Car Insurance Upside Down On Vehicle Loan
Can anyone offer any suggestions regarding disposing of a vehicle? I have a vehicle with a fair market value of about $14,000 and a loan in the amount of about 21,000 at a very high rate of interest...read more

Bankruptcy Excluded Vehicle
When we filed I had one vehicle put down as excluded. We never signed a reaffirmation, and as far as I can tell, all has been discharged. Can just stop paying on this car and let it go? I asked t...read more

Car Insurance Fico Score In The Gutter. Pay Bills Or File Bankruptcy?
I'm doing some research for my mother. Her fico score is a laughable 478. She has a collection for something like $80 (in her view it was "only" $80, hah), and a few late marks, one over 90 days I...read more

Credit Report Credit Report Post Bk Question
One of the creditors listed in my bankruptcy had never put anything on my credit report until 5 months after my discharge. Can a discharged creditor suddenly put a notice on my credit *after* the d...read more

Debt Collection Chapter 7 After Judgement
I am in the process of consulting an attorney and filling out the paperwork for my bankruptcy proceedings. I am told by a collection agency that they are filing a judgement against me (they said th...read more

Bill Of Sale Creditors & UCC Filing Securing A Car
My brother is going to lend me some money, but he wants to file a UCC-1 securing my car as collateral. If he does this, and I later want to sell my car, will he have to file a form releasing the car...read more

How To Write A Letter Payday Loan Question
I believe i may have walked into a trap. the payday loan that i just initiated online appears to be set up so that it keeps getting "refinanced" unless I notify them in writing and fax them my inte...read more

Spark Notes Question
i filled chpt 7 and had my 341 meeting and everything went fine. i have not got my discharge yet. my mother has sold her house and the title company need some kind of order. i am a only child an...read more

Real Estate Stipulation....
My lawyer prepared the stipulation and faxed to the trustee, the lawyer also called the trustee and the trustee is prepared to sign it this week. What does that mean exactly...what's stipulation ...read more

District Court Citation To Discover Assets
On Monday the 21st I have to go to court to answer to a citation to discover assets.On Thursday the 17th I paid a retainer to an attorney to file bankruptcy. My question is this: On Monday can I...read more

Bad Credit Mortgage Deciding On BK, CHAPTER 7 Or 13, Advise??
My wife and I are concidering filing for Bankruptcy. We have explored the options of debt management and companies that will "settle" your debt for about $.40 on the dollar, which seemed like a fair...read more

Bank Account Checking Account Question- PLEASE HELP
I'm a full time student that used to work full time but now find myself in a very difficult situation. After losing my job with absolutely no warning, I've been struggling for the past year.. My ba...read more

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