Comments on: How do you know what type of bankruptcy to file.? http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm Mon, 06 Feb 2012 00:00:45 -0500 http://wordpress.org/?v=2.8.6 hourly 1 By: CLB http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm/comment-page-1#comment-5347 CLB Thu, 04 Feb 2010 05:21:37 +0000 http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm#comment-5347 Speaking from experience.....with a ch 13 you can keep your house and car but include all the rest of your debt. If you have any type of past due taxes like state, federal or property you will have to do the ch 13 because you can not include those in a ch 7. The best thing is to talk to an attorney so they can help you determine what to file. We filed a ch 13 in the summer of 2006. Have been making payments on it every month since Oct of 2006, we pay until Oct 2010. Our credit is getting better each month and we are currently in the process of buying a home. It sucks right at first, had to rent a house for the last 3 years but it has slowly gotten better. We got a fresh start. We included our previous house in the ch 13 but we kept our car. I don't care what people say....you can get financing after a bankruptcy! Hope this helps! Speaking from experience…..with a ch 13 you can keep your house and car but include all the rest of your debt. If you have any type of past due taxes like state, federal or property you will have to do the ch 13 because you can not include those in a ch 7. The best thing is to talk to an attorney so they can help you determine what to file. We filed a ch 13 in the summer of 2006. Have been making payments on it every month since Oct of 2006, we pay until Oct 2010. Our credit is getting better each month and we are currently in the process of buying a home. It sucks right at first, had to rent a house for the last 3 years but it has slowly gotten better. We got a fresh start. We included our previous house in the ch 13 but we kept our car. I don’t care what people say….you can get financing after a bankruptcy! Hope this helps!

]]> By: DebtSux http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm/comment-page-1#comment-5348 DebtSux Thu, 04 Feb 2010 05:21:37 +0000 http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm#comment-5348 you can ask for chapt 7 and see if you can get it. odd are you can't. with the new laws it's tougher to get that. the credit card companies basically got congress to change the laws by paying politicians off. the new laws benefit the credit card companies and do NOTHING to help the consumer. don't know how much debt you have, but you do have other options.... sell stuff, including the car and home if you must.... get on a budget... work extra jobs... Id use bankruptcy as a last resort after all else has failed. you can ask for chapt 7 and see if you can get it. odd are you can’t. with the new laws it’s tougher to get that. the credit card companies basically got congress to change the laws by paying politicians off. the new laws benefit the credit card companies and do NOTHING to help the consumer.

don’t know how much debt you have, but you do have other options…. sell stuff, including the car and home if you must…. get on a budget… work extra jobs… Id use bankruptcy as a last resort after all else has failed.

]]> By: kariba http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm/comment-page-1#comment-5349 kariba Thu, 04 Feb 2010 05:21:37 +0000 http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm#comment-5349 Your income and assets determine which chapter to file. If you make over a certain income or have assets over a certain value (varies by state). In many cases you can keep your house and cars. The following website will offer valuable info http://nolo.com/resource.cfm/catID/462A9501-9B21-4E09-A08C5A7B8AF51A79/213/161/ . Good luck to ya! Your income and assets determine which chapter to file. If you make over a certain income or have assets over a certain value (varies by state). In many cases you can keep your house and cars. The following website will offer valuable info http://nolo.com/resource.cfm/catID/462A9501-9B21-4E09-A08C5A7B8AF51A79/213/161/ . Good luck to ya!

]]> By: Cgse A http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm/comment-page-1#comment-5350 Cgse A Thu, 04 Feb 2010 05:21:37 +0000 http://howtogobankrupt.org/how-do-you-know-what-type-of-bankruptcy-to-file.htm#comment-5350 I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition. Check it out: http://CreditSolution.ez-mart.biz I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It’s legitimate.I came across this company on NBC News Special Edition. Check it out:
http://CreditSolution.ez-mart.biz

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