chapter 13 attorney
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My Boyfriend Is Filing Chapter 13
Asked by A.L. from Dallas
on June 17, 2011
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is that the right thing to do or should he file chapter 7 which one is better to do right now he is doin chapter 13 but he can change his mine someone please help us p...
Answers
- If he files ch 13 he will still be paying monthly payments. It is kinda like a consolidation. If he does 7 he pays a one time fee and don't have to worry as much! I fi...
- If he hasn't already done this, he should talk to one of the FREE, non-profit organizations that do credit counseling. They will know what the options are and what his...
- You keep asking the same question over and over. It is going to be an attorney that can answer this. He has to have an attorney do the filing anyway, he may as well...
Talking About Filing Chapter 7 or Chapter 13
Asked by A.L. from Dallas
on June 17, 2011
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so he will not be able to keep his house if he file chapter 7
Answers
- I just did all this and the man told me that if a person owes more on the house then it is worth and the house is not in foreclosure then they can keep it.
- It used to be that one could keep ONE house when filing for chapter7, because of a tiny minority of people scamming the system (less than 1%), it was used as an excuse...
- When we filed we were able to keep our home and cars. All other debt was gone. They told us we would be able to get anything for 7 years, but the credit card companie...
Thinking of Filing Chapter 13 Bankruptcy- Need Advice!!
Asked by K.R. from Youngstown
on February 2, 2008
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Hello ladies-
My husband and I sat last night going over our finances and we are considering filing chapter 13. We had a business that failed and also made som...
Answers
- With something this serious you need to consult with a lawyer. The laws have recently changed and they can give you the correct information. Usually you can get a fr...
- Well, the best person to talk to is a lawyer because every state has its own laws. Most attornies will give a free consult. Talk to more than one to get the best fit...
- Before filing bankruptcy, check into Dave Ramsey's "Total Money Makeover" www.daveramsey.com it's worth a try. My husband and I are in the process of working through ...
I Have to Ask a Question
Asked by A.L. from Dallas
on June 17, 2011
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which one should he file to keep his house chapter 7 or chapter 13 because he own a house if he file chapter 7 will he be able to get things in his name ? if he file c...
Answers
- It depends on whether he is paying his mortgage payments or not.
- Chapter 13. He will keep his house and it will stay in his name. After he files it will be between2-5 years. It just depends. I started with a small loan at a bank $50...
- Need to ask an attorney that does both kinds of bankruptcy. Each state has different regulations and laws pertaining to this. Only an attorney can correctly answer t...
Bankruptcy
Asked by G.A. from Lakeland
on April 28, 2012
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Hi my husband and I have pretty much decided to file bankruptcy, im very sad about it but with him loosing is god paying job, we just cant afford all our bills now, ca...
Answers
- A good attorney will be worth every last penny (literally) and it can change your life. It's amazing to wake up and not have to worry about collections phone calls etc...
- G.: I'm sorry you are going through this. I would strongly recommend that you go to your local library and borrow books from Dave Ramsey or Suze Orman. You need ...
- They are all going to charge about the same amount, $1500. I suggest you stick with lawyers that specialize in it. Good luck, and I hope things improve for you soon.
Bankruptcy -- Your Experiences
Asked by L.L. from Los Angeles
on February 2, 2012
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Hi,
My husband's employment industry has tanked over the last four years and we've drained our savings in order to make our mortgage, home equity loan and credit card...
Answers
- don't beat yourself up over this. i would look into dave ramsey's website. he has a lot of tips. also success stories :) all your details are a bit over my head (w...
- I know it is hard and I know there are lots of negative feeling that you have about yourself. I went through bankruptcy this summer and I still have a rough time with...
- Sorry I don't have bankruptcy or attorney advice but I just can't bear how hard you are on yourself : ( I know I would be too but it sounds like you have tried to eve...
Bankruptcy
Asked by A.S. from Dallas
on January 21, 2009
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Hi there,
have any of you moms ever filed chapter 7 bankruptcy? If so do the trustee's or any creditors get to come into your home and take what they want to repay ...
Answers
- My husband & I filed for bankruptcy chapter 7 in 2002. No they don't come and get anything. We used Waage & Waage. They were wonderful explained everything. Today we d...
- I work for an attorney. No they don't come in your house. It mainly has to do with what kind of debts you have and the money you make to see what you type of bankrup...
- Hi A., We file ch. 13 and went thru Rubin & Associates. Their website answers a lot of questions regarding 7 & 13. Hope this helps and good luck. L.
Filing for Bankruptcy
Asked by E.B. from Seattle
on August 12, 2011
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We are having to do this.
We are also very confused and scared because everyone one wants huge sums of money up front to help us. We dont have huge sums of money. ...
Answers
- Another vote to be cautious and say NO to bankruptcy here. You want to pay your debt. You can only pay what you can pay. Look into Dave Ramsay and the debt snowba...
- I would get a lawyer because they know what their doing. Some offer payment plans. I picked a bankruptcy lawyer out of the phone book.
- You need to call and consult with a few attorneys that handle medical bankruptcies. I see filing on your own like going to the doctor without insurance. (Just someth...
Effects of Bankruptcy on Custody Case?
Asked by D.K. from Washington DC
on July 2, 2010
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Hi Mamas, I hoping for some insight from anyone that's been through anything similar to this on either side. I'll make it as brief as I can.
In 2004 I got divorced ...
Answers
- i have not myself been through this, but worked for years as a researcher in court cases. he has a very weak case, and yes, the courts would take this into considerati...
- first off, since you are one of his creditors, you need to file in with his other creditors, and dont forget anything..child support owed, moneys not repaid, credit ca...
- As far as getting paid back from your ex's bankruptcy, Starr said it perfectly. About the custody situation, why is he fighting for custody? Is this out of the blu...
Debt Advice?
Asked by K.M. from Chicago
on January 17, 2010
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Another question...Here is the situation.
My husband and I....well, mostly me, actually...are in a terrible amount of debt. We have a meager savings, but otherwis...
Answers
- Look at your budget very carefully. I know you said you don't spend frivilously, but now is the time to look at EACH little expense. Do you go out to eat? Stop. Ar...
- Call up the folks in charge of your college debt and relay this information and ask them for a break of some sort. Your great-grandparents would put your claims of ...
- I also recommend the Dave Ramsey books--from the library (free!). We were in a similar situation a few years ago and from his advice (very easy to follow) have paid of...
