bankruptcy discharge
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After Bankruptcy
Asked by C.S. from New York
on August 21, 2011
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So, I posted on here a while back about pros and cons of filing for Bankruptcy. We ended up filing, and we just rec'vd our discharge. For us, it was a great choice. A...
Answers
- I would not take out a loan for a car, bankruptcy or not. Go to the library and get Dave Ramsey's book "Total Money Makeover" and learn how to avoid financing a c...
- You would probably have better luck securing a loan if you have a pretty hefty down payment available.
- I've not filed bankruptcy. My best friend did - and as soon as it was discharged it seems like they were getting credit card offers in the mail left and right...thank ...
Bankruptcy
Asked by T.C. from Hickory
on December 30, 2011
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I really dont wanna get into the reasons why i am asking this, so please dont ask.
Has anyone ever filed for bankruptcy?? If so, what happened? did you loose your h...
Answers
- I think you should contact your local legal aide office and get a referral for a consultation with a bankruptcy attorney. Often, it only costs $25 for a half hour cons...
- Others have given you great advice. I'll just add my personal story. After my daughter's long illness, we were over 250K in debt. Most of it medical bills, but a go...
- Yep. Best choice, period. There are 2 types; Ch7 & Ch13 If you're even THINKING of consolidating, don't. CH13 is exactly like consolidating but better. Because i...
After Filing Bankruptcy
Asked by L.C. from San Francisco
on June 10, 2011
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It's been a little over a year now since I had filed for Bankruptcy 7. I was just wondering if anyone has been in this situation before.
How do you rebuild credit ...
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- That happened to a good friend of mine about 15 years ago. When filing was really unheard of in the general population. He went on to building his credit by opening ...
- Seven years hun! No I have never done bankruptcy but seven years no one, who doesn't want your soul, will touch you with a ten foot pole. Interesting side note I l...
- Ouch! Although I understand why you did what you did-divorce usually does cause a bankruptsy and especially on the mom's-seems like the courts would take that into con...
Getting Home After Bankruptcy
Asked by K.C. from St. Louis
on February 7, 2012
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Hi!
Does anyone have any experience buying/renting a home (particularly a mobile home) after a bankruptcy discharge? Ours was discharged just this past Sept. It's a ...
Answers
- Two years to the day after your discharge you can sign papers on an fha loan to get a new home. Not one day sooner! Make sure though that in the next two years you do ...
- We have a foreclosure on our record, and per the FHA guidelines, we are ineligible to qualify for a mortgage with FHA financing for 4 years after the date of the forec...
- You could face some challenges. Especially after a recent bankruptcy discharge. I believe Chapter 7 stays with you for seven years. Landlords may shy away becau...
Simple Bankruptcy Help
Asked by A.M. from Phoenix
on January 2, 2010
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I am a disabled single mother and need to file bankruptcy. I am filing on six credit cards and that is it. It is pretty straight forward. I spoke with an attorney i...
Answers
- I'm not sure about this but it seems like there is another option besides bankruptcy with your situation. I'd talk to another attorney. Good luck to you!
- A., As much as it seems that filing your own bankruptcy would save some money, it really is worth it to hire an attorney. I filed in 2007, so I've been there. I hav...
- Try going to Consumer Credit Counseling Services. Their website is: http://www.cccs.org/
Help...need Advice on Filing Bankruptcy!
Asked by C.W. from Philadelphia
on September 15, 2009
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Ladies,
I am at my wits right now recieving collection calls day and night. My situation is after quiting my "I hate this Company" job and going back to school for...
Answers
- I would suggest you contact a local credit couseling agency and get some advice from them. They are there to help people in your situation and may be able to help you...
- Sammy is right, the first thing you do is schedule an appt with a bankruptcy lawyer. To make the appt much easier take a statement for all credit cards, loans, etc. a...
- There is a very good company that helps people who are in pre-forclosure called Secure Property Solutions. You can google it and find out more info. and their phone n...
Bankruptcy Sp? RUDE
Asked by M.B. from Nashville
on January 17, 2008
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Some People are just so rude and mean... if you cant say something nice dont say anything at all..i have NEVER once left a mean responce to someone on here
hi i am ...
Answers
- You cannot file bankruptcy on student loans. When Clinton was President there was a law passed saying that you couldn't. Believe me, we've looked into it. Now you c...
- First and foremost go to community counseling. They charge on the amount of money that you have. You are depressed (rightfully so) and you are going through a huge g...
- Ashley, I am 49 Mom and grandmother,recovering Alcholic of 18 1/2 yrs and you must, must go on!! Be happy and grateful you have a daughter, God has given you a ch...
Update on Bankruptcy RUDE PEOPLE
Asked by M.B. from Nashville
on January 18, 2008
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Some People are just so rude and mean... if you cant say something nice dont say anything at all..i have NEVER once left a mean responce to someone on here
Answers
- my father is a bankruptcy attorney and he said that you are NOT able to file bankruptcy on student loans because of a law. you will get into serious trouble. sorry for...
- Are these government student loans? They are usually very fair and easy to work with, and will lower your payments when you call them. Also, I think you can halt the...
- Hi Ashley, I am not an expert, but I am pretty positive you cannot go bankrupt on student loans. My husband and I lost our 4 month old, very healthy little girl to ...
I Should Know the Right Answer.. But...
Asked by R.B. from La Crosse
on December 27, 2011
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I guess I do know the right answer, just don't know what way would be the best to handle it. We have to give them both back but
I don't know if its best to just han...
Answers
- What is your income? What other debt do you have? Can you sell some stuff to raise the money to fix the van so you CAN sell it for what you owe? That eliminates t...
- You will have to determine the future cost of both consequences. Getting rid of both may seem the option but how much will that decision cost you in the future. A fore...
- Talk to a bankruptcy attorney about your options. A friend of mine was somehow able to file for bankruptcy, get rid of $100,000 worth of debt and keep their home (a $...
My Debt Was Sent to a Collections Lawyer
Asked by A.W. from Sumter
on March 11, 2009
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I got out of the Air Force early and owed back part of my bonus. We did not have the money to pay it back and I asked for a 6 month extension on payments so that for t...
Answers
- Collect all of your financial information about this debt and all others you have. Make an appointment with a bankruptcy attorney in your community to explain your op...
- I thought the rules about how premarital debt effected your spouse varied from state to state. Maybe it's different because it is a government debt. In SC we are a non...
- Go talk to JAG. And they can ask for his information cause when you get married your debt becomes his debt. And if you apply for any kind of loan jointly it will b...
