Hi. I had a bad period with Bank of America, I owe them roughly 2k over 3 accounts. I have the money, went to the bank and they said they’d accept payment, but would not open a new account.
They have sold all 3 debts off, and I get calls from the agency they have sold the debt to. They want like 1,200 for all 2 thousand worth of debt! Do I get a benefit from paying BankAmerica directly? I pay less with the credit agency.

I know once you pay the bank, they are supposed to send something to Chex systems saying I’ve paid in full. My question is wont the debt agency send that same report? And if they do dosn’t it just make ALOT more sense to settle with the debt agency at a discount then pay BankofAmerica (who were VERY RUDE). The lady called me a deadbeat. I accept that I made mistakes, and I want to correct them.
Strategically does it make sense to give the Bank the money, despite the fact they’ve already sold the debt?? Effectively there making money of my mistakes!

Technorati Tags: bank of america, bankamerica, bankofamerica, benefit from, chex systems, deadbeat, debts, making money

I live in Indiana. Am I protected under a chapter 13?
Please don’t think I am a deadbeat becasue I’m not, I already know that I have to pay to live and I am/will. I would have filed chapter 7 if I wanted to just skate out on everything. I was just left holding the bag for everything, and unfortunately this is my only option.

Technorati Tags: chapter 13, chapter 7, deadbeat

I had a small business and in 2005 it failed and i had to go bankrupt on it and my home..everything , i lost it all.. I have since gotten back on my feet (i thought) ..got a good job with the state and even bought a new car since i had to drive so much for my job…Aug 1st of this year the governor cut the budget to my program and i lost my job. now I can’t make it…there are no jobs around here, there’s nothing…when is the earliest I can file for some sort of bankruptcy? I took the total wipe out the last time..this time I’m hoping I can do the one where I can restructure and keep my home, car and possessions. The economy is killing people like me. Please I hope someone out there knows if I can file for restructure sooner than 7 years and keep what I finally got built back up. Thank you
i wanted to add that i am NOT an idiot and really hate to be talked to like i am one. I am getting unemployment for now. I live in a very small town in Southern Ill and there are NO jobs…thanks to our goverment all our jobs are going to china or somewhere bedsides here. I ask my question to get a helpful answer NOT to get told I am lazy and need to find work…hate to wish bad on anyone but I just hope those of you who think I am so lazy goes thru this someday themselves..maybe then you will all be more understanding. I didn’t need made fun of ..i just ask for help in finding the right answer…thanks for nothing.
i really think THIS is partly whats wrong with the country anymore…people are heartless..always ready to put someone farther down than they already are…again thanks for nothing.
You know I am rather sorry I asked a question….I am NOT a deadbeat, I am an AMERICAN…if the economy has not hit you yet then I am happy for you…but in small town America it has it hard…I have worked all My life and will continue to work IF i can find a job.. unlike most of you I guess I just can’t afford to pull up stakes and move to ‘where the jobs are’…btw…according to the news they’d like to know where the jobs are too… I am totally ashamed to even read these answers…I hope each and every one of you who have told me ‘to get a job ‘ and not have a new car..or buy a ‘cheap ‘ house….well my answer to that is ..I bought a house..for ,000…cheap enough??? and i bought a chevy colbalt..cheap enough??? so you big knowlegable people get off your pedistal before you FALL off…your not better than me or any other American who is having problems now…I am a 56 year old woman and i live VERY modest life….so dont JUDGE me …all I wanted was some info on what choices.

Technorati Tags: bankruptcy, budget, china, deadbeat, economy, good job, goverment, home car, jobs, last time, new car, possessions, small business, southern ill, unemployment

like 4000 for 17000? cause im in the process of doing that now… however i feel kinda like a deadbeat doing that… also, will this somehow be public knowledge after the fact?

Technorati Tags: deadbeat, public knowledge