Can I file bankruptcy for someone else?
My mom is out of the country and I am looking to file chapter 7 bankruptcy for her. Is there anyway that I can do this?
Posts Tagged ‘mom’
Im scared and worried,my family has just gone bankrupt.?
So i live in a 9 people family, BUT we live in one of the fancy places. We live in a 6 bedroom home. My mom has JUST gone bankrupt! so my aunt and her 2 kids are moving away to a different house today ); and my mom is planning out where to go…..Idkk, but im really scared…we will be living in one of those (two houses stuck together places) and idkk.i been there with my friends before and the mexicans kept hitting on us…im 12 and they are like 49! ): my mom is divorced so theres no guy in the family…our car will be taken away too.my mom cant drive after the accident that scared her for life. so we would usually tell our maid to drive us….Sorry if i sound spoiled,trust me IM NOT. MY mom doesnt give me everything i want. But now we are moving to this home soon, im really scared cuz its only me and my 2 sister and my mom,and my mom cant drive ): And i have this fear that the people living near me will harm us……….This is a dramatic change in my life! ): wat should i do??Or how can i overcome this depression??I been so depressed.i havent eaten anything in 3 days.):
PLEASE READ! THE PEOPLE ARENT THE THINGS IM WORRIED ABOUT,IM WORRIED ABOUT TRANSPORTATION!
How do you file for bankruptcy?
I’m 25 and owe more than I make on credit cards and now that I had an accident at work, my hours had been cut and my mom is left to pay some of my credit card bills but I pay some of the bills yo help out.
Is it hard to file for bankruptcy? Expensive? How long does it take?
I’m from California
Should i file bankruptcy? im only 20…?
I’m a 20 yr old single mother almost homeless without a job with up to 30k in debts that at this pace will never get paid and become higher every month should i file bankruptcy? what should i do? i’m desperate!
Yes i admit i was young and ignorant but whats done its done and i need a remedy so no need for rude comments plz 
did i forget to mention that i have no family and only my mom but she lives in MA and i live in MD and i have failed her lots of times so i cant go back to her…
debts are credit cards + 2 loans (car and other) i do not have a spending problem i had a nice job in the past so i got an apartment and furnished it completely and bought a car but the job wasn’t so steady and i ended up with all this debts piling up
Should I file for bankruptcy?
Ok I have around ,000 in credit card debt. I also co-signed with my mom to buy a house 4yrs back and it is due to go in foreclosure soon due to the fact that her husband lost his job (construction) and I couldn’t make the payments by myself which is why I defaulted on my mortgage and credit cards.
I also suffered a broken ankle in December and upon returning to work in May I lost my Supervisor position which was nearly a / per hour pay cut. To top it all off they decreased our work-week to 32 Hrs.
So my question is can I get away without filing for bankruptcy and just wait til everything clears up in 7 years or do I have to file?
Unfortunately my injury happened at home so I was receiving Disability insurance which was about %60 percent of what I made normally.
My mom or her spouse haven’t been able to find a job and their unemployment ran out 2 months ago.
I don’t have anything of value that I see the court selling off to pay back some of my debt. I am really broke and don’t have much in the way of assets. I only have about ,000 in my 401k other than that I am broke
What could this dream mean?
Now this may look long, But when you acually read it, it’s not that long.
Okay so I live in a small Island, Newfoundland, One of Canada’s provinces. And In newfoundland all the old houses are called Saltbox houses, They were very popular in the 19th century. And lot’s of people still live in them today. One thing I don’t understand what people can do, Is live in them. Because they are old, and people died in them for sure. One of my friends lives in one, And 3 people died in it. So I would really hate to LIVE in one. My house is bran new, so No one died in it. I am terrified of ghosts. You will understand why I gave you these details when I tell you my dream. So anyways, In my dream I woke up in a strange bedroom I have never seen befour. It was dark, A candle was lit. So I got out of the bed and walked down the hallway. I heard strange noises thorughout the house, and I seen my dad, So I came up to him and asked him where the fuc/k we were, And he told me this was our new house cause we went bankrupt. So I was like, this house is so creepy I hear noises everywhere. So then I went to me mom’s room, And I seen laying on the bed, talking on the phone with a cigartte in her mouth, and I’m like, Why did this you move into this creepy old house? And she was just like, How is it creepy? It’s fine go back to bed, So I walked back down the hallway and walked past the bathroom, and there was blood pouring out of the shower head. So I ran to my dad yelling " THIS HOUSE IS HAUNTED, WE HAVE TO GET OUT!!!’ But he told me I was being foolish, And once again, Told me to go back to bed. So at that moment, I felt cold arms wrapping arround me, and then I ran into my room. The house was a basement appartment, And no one lived upstairs. But when I went in my room, There was blood leaking from the ceiling and covering my bed, and the floor. So I ran into my mom’s room and told her, and she didn’t believe me and told me to go back to bed. So I argued with her saying I refused to live in the house. So when morning came, wich was right after that, I saw my friend outside and I ran out to see her. I told her what was going on and she said I could sleep in her neighbors camper because she knew them. So when I looked up at the house, It was an old saltbox house. It had broken windows, all the yellow paint was chipped off, Only a few parts were still yellow, Old wooden shutters. It looked horrible. And when I looked in one of the top windows, I see blood splat against it, Followed by somone face hitting it. So me and my friend ran inside and we tried to convince my parents that the house wasn’t safe, And they told me to go away.So that night my sister had her firend over and my sister also didn’t want to be in the house, And I told her about the blood, and the arms wrapping around me, and she got more scared then, Her and her friend slept in my bed. And I when night came I was standing in the kitchen with my mom, and I looked in her room, And blood was leaking through the roof, I yelled at her telling her to look in her room and she did. And she started screaming and told my dad and when He came the blood was gone. He told us we were crazy. I went to sleep in the camper that night and on my way there, I was too scared to look at the house and see what I might see in the windows. So In the morning my mom said she did some research on the house, and appearantly Old families lived there, But one family, would rent out the downstairs to other families, and stay upstairs, and go down and take the familie they rented out too, And skin them and cut them up and torcher them and eat them. And we lived in the downstairs, and there was always blood leakiong through the ceiling, wich would be their floor. So me and my mom tired to convince my dad that we needed to leave, and when I went in the living room, I saw old fashioned faded figures of people sitting on my couch. So we called a preist and he said that we needed to get the spirits out beucase the killers upstairs were evil spirits of the devil, and they were going to kill us and have some other family be left with our blood leaking through their ceiling. So the preist came and got the bad spirits out. But the old newfoundland family spirits were still there, We got the house done up nice and it looked pretty. But the thought of still having ghosts in my house scared the shi/t out of me, So I wouldn’t use the bathroom. So my friend pushed me in the bathroom and locked the door and told me i would befine. Then a tiny mini beaver crawled out of the toilet. And then I picked up the beaver and put it on a shelf. Then I woke up.
And It is acually an interesting dream. Think of it, As reading a horror story.
IF YOU ARE NOT GOING TO READ IT, DON’T FUCKIN/G BOTHER ANSWERING.
Is it in my right to tell my mom to NOT make the decision to go bankrupt?
PLEASE READ THIS DETAIL! I really need advice…
Just today while my mom and I were in the car, we just came from the grocery store and were talking. We talked about how the people on section aid and government aid were able to get SO MUCH food, dress better than us, and even sometimes live better than us. We live in a nice city bungalow home in a nice neighborhood next door to a University, but I’ve noticed that getting groceries every month is a struggle with all the bills that needed to be paid and any other additional thing I might need for school, etc.
My mom has a job that pays quite well per hour, but they tax her A LOT. She is taxed for senior citizens (because in the past her job took out money from the previous employees pension check so now the current workers HAVE to take out money for their wrong doing), taxed for city, state, pension, and the optional dental and doctor insurance (but who wants to live without those necessary things!?). So by the time she receives her first check, it ALL goes to the mortgage bill for the house. Her second check goes to house hold bills (light, gas, water, telephone, cellphone, car, etc.) Leaving us with very little money to live off on. She has tried receiving some kind of government aid to help pay for the gas and light bill, but they said she was making too much money…which isn’t true AT ALL. They’re not looking at how much she’s being taxed and how much she has to pay for bills.
Anyway, my mom got upset and told me, "Once the job lets me go (they are firing her on my birthday because of the ‘financial crisis’) I will blow up my credit card and pay off the house, the car, and some of your college tuition for 2 years. After that, I will file for bankruptcy because I’m tired of doing the right thing, but get nothing for it. I’m always getting screwed over. We have to work REALLY hard to get just what we need when people on section aid and government aid don’t have to work as hard to get what they need or WANT." I explained to her that her credit score was PHENOMENAL and she shouldn’t make that decision because she worked YEARS to have such a great score. But she said she didn’t care. She was tired of it. She said it wasn’t going to affect me in any kind of way so why should I care? …I got really sad and wanted to cry to think that she wanted to give up like that and even think negatively like that, but could you blame her? My mom has always made the right decisions financially. She bought her first house when she was 18 and has NEVER missed a payment on it. We lived there until I turned 12 and moved to another house with a better neighborhood so…i don’t know what’s gotten into her.
What should I do? Is it in my right to tell her to make a better decision? I’m a senior in high school so what can i do?! I don’t want my mom to stoop so low….please, help me. Serious answers, plz. :’(
should i file bankruptcy or pay off the debt?
married couple. both are 38. we have a child due in June.
We live in Vegas and want to move and get an affordable home. We do not own real estate. She has k and I have k in debt, both accounts are in collections. The only asset we have is 55,000 in a retirement account.
I filed Chapter 7 in 99. My current income as insurance and financial advisor is too high for 7 here in Vegas. Right now it is around k but can get much higher.
A chapter 13 concerns me because of the 3 years of payments, its effect on my credit and potential to get another good job should we move, and we may not be able to get a house should we move.
I could liquidate the retirement and pay off the debt and have about k left after taxes and early withdrawl penalties. This would also include the tax liability for the k I took from my account last year.
As a financial advisor, I know that the withdrawl we took last year was stupid.
MOM is giving me 50K for home purchase.
BK or pay?
Can I file chapter 7 bankruptcy for my HELOC?
I’m in California, I bought the house in July 2005, REFINANCED in July 2006 then stop paying in February 2007 because my mom passed away and I couldn’t afford the payment, insurance and taxes all by myself. My house is now foreclosed. The bank took possession on October 2006. Countrywide continues to send me statement on the HELOC. Does this means that I still have to pay for the HELOC?? I didn’t even take any money from it. It was used to pay for the rest of my original loan when I refinanced. Can I file bankruptcy particulary chapter 7 for the HELOC??
NO! My mother is not on the mortgage. She helped me with it because I bought it for her… she couldn’t qualify.
I meant to say "NO! My mother WAS not on the mortgage. She helped me with it because I bought it for her… she didn’t qualify."
how long after i file for bankruptcy, can i opend up and/or start a new business?
i am filing bankruptcy, but my mom, wants to open a business, give me the money and i will open it and run it for her. does the goverment is going to investigate me if few months after i file chapter 7, i will open a business?
How do I file bankruptcy in Southern California and what type should I file?
Hi.
I have a very good credit score. I have never made a late payment on anything in my life. However, I am foreseeing disaster and see no way out of it. My debt is about 17K in credit cards and student loans of about 10K so a total of 27K. I am not worried about the student loans, since I am in school and so they are currently "on hold" till I finish and when I am expected to pay them its only like 0 per month for ten years. However my credit cards are getting worse and worse and the only way I can make myself stop relying on them is to wipe them out. Unfortunately I have practically zero income (about 0 per month) and I am in college and live with mom. I am 24 years old. This is pretty sad, I know, but I think I have to file soon. Its a shame because my credit score is about 720. I just leased a new car, which is under my name, but again, family is supporting me. So… I feel that I should just file bankruptcy (chapter 7 is what I am thinking) and just live off what I earn for thew next ten years. I own nothing of value, and am on my mom’s lease, and also want to know if they will take away my car when and if I file.
Please, I know everyone says its a "last resort". I am viewing it as such. So if it comes to this, what is the best way to go about filing and hoe much will it cost me financially and also how long does it take? Will my debts be wiped clean? I heard that student loans don’t go away, which is fine by me. Its the credit cards that are about to crush me. I need real advice, not just empty worthless criticism. So please ONLY ANSWER IF YOU HAVE RELIABLE EDUCATED ADVICE.
Thanks guys. Happy holidays.
should she file bankruptcy?
my mom has over ,000 in debt. she’s maxed out in ALL of her credit cards. she just today got fired from a job she’s had for over 27 years and she is 47 years of age. I was wondering if she should file for bankruptcy since we don’t know when she will have a job. she has a mortgage in her name …but my dad is the one who pays ALL of it and that is taken care of…….. they separated but are not divorced. she rents a room with my sister. we cannot help her with the payments on her credit cards and why should we?! because we are having difficulties ourselves with unemploymen, but I’m pretty sure having a place for her to stay at will be NO problem ..it’s just that we cannot help her with credit card payments. what will be the smartest move? and what kind of bankruptcy can she file without it affecting my dad or the mortgage
my mom has 10 siblings that can take care of her from now on, including myself. we’re young and we can give her a roof , and also, since my dad is taking care of the mortgage, there will be no problem. i just don’t want her to worry about making those damn payments on credit cards
I’m sorry not siblings, I mean relatives, including kids, brothers, etc
old bitty, why shouldn’t she file bankruptcy? will that hurt the house my dad is paying for, which is under both their names. will that hurt her chances of retiring?
even with those funds, she couldn’t possibly pay the minimum on ALL her cards
If my parents go bankrupt, how will it affect my college loans?
Well basically my parents are small business owners, and apparently on the brink of bankruptcy. I’m a senior in college, and my mom has co-signed on a few of my loans, not to mention I’ll need her to co-sign this coming semester (my last as an undergrad)… how will that affect me? Thanks! 
Is there a minimum of debt I have to have to file bankruptcy in Pennsylvania?
Also do you know of any bankruptcy lawyers in the Western PA area?
Basically I went into debt consolidation through a non profit organization. I paid them one monthly payment and they dispersed it to all 3 of my creditors.
They have had problems with American Express accepting a proposal, or accepting a proposal then a month later saying no they wanted more than that. So basically they defaulted my account 2 times for this proposal problems and now they want immediate payment of ,300. I do not have that kind of money. I go to school full time, live it at home, drive a car owned by my mom, and work a part time job.
I have tried compromising with them, but they won’t budge. And my mom won’t bail me out because she feels I need to fix this myself. I know bankruptcy is a major step but I am just trying to look at all of my options.
Also if you know of anyone who has gone through a similar situation with American Express let me know. I would love someone to talk to about this.
Can an ex file bankruptcy and have a debt to my mom dismissed?
In the divorce he signed an agreement that this would not be dismissed in a bankruptcy filing. If this gets dismissed I will be responsible for paying my mom back. The debt was a joint loan between him/myself and my mom.
What’s the best action for a credit card debt settlement letter?
My husband and I recently purchased a house. Right before our purchase we found out about a delinquent credit card. To make a long story short, it was a credit card that was in my husband’s name that he was to use when he was in college that his mom was supposed to be paying for. My husband had no idea that there was a delinquency until we were notified by our lender. The account has been closed since 2002. It states on his credit report that the "account closed at consumers request, charged off account, bad debt; placed for collections; skip." We do not want to bother his Mom about this. After no communication with Discover, for 5 years, we have now received a letter from Northstar Location Services, a collection agency (not from Discover), for a settlement amount which is 40% of the debt. What should we do, contact Discover, deal with the collection agency, or something else? I realize everything needs to be in writing beforehand, but can anyone advise me on this at all?
I will check out your other posts, Studly, thanks…as far as my concern with it, it is mainly because of the recent contact with the collection agency now after so many years. We were still able to get the loan for our house, so I am not really concerned about that part of it. Since it "technically" wasn’t our debt, but my mother in law’s, the bank didn’t really care. Actually the amount was pretty significant, 00 with an offered settlement of 00, which is why I’m extremely surprised that we were not contacted before about this. I believe the statute of limitation on credit cards is 3 years in our state. I know they can still take us to court over it but its probably unlikely since the statute of limitations has run out. I just don’t want to settle on an amount and still have it show up on our credit history for another 7 years. I think this just may be a last ditch effort by the collection agency to get some money and I just want to make sure we make the right decision.
Can you file bankruptcy if you refinanced once already?
My mom is in risk of losing her home due to credit cards raising interest rates and their not being able to keep up with payments. Her wages are going to be garnished and is worried about not being able to make mortgage payments. She refinanced once. Can she file bankruptcy if she refinanced?
Bankruptcy?
My mom and my fiance need the cheapest way to file bankruptcy. They both qualify (done consults with lawyer who quoted them at almost ,000 to file). I can use all the help I can. Info on how to get what can be filed against, how to file (by lawyer CHEAP/FREE or doing it yourself), how to get the account info on everything that needs to be filed against (FREE PLEASE). My mom is without a job currently (looking for a new job) and my fiance and I struggle paycheck to paycheck with our baby girl. We need something that is going to get them out from underneath a WHOLE LOT of debt the quickest. We have no money.
THanks,
Belinda
My fiance (not sure on my mom) cannot do ANYTHING to pay back ANY of his debt! It is over ,000 (at least).
Also I see one answer say that "you WILL lose everything" well it is hard to lose everything if they have NOTHING! All he has in his name is a car (not worth anything according to Blue Book Kelly) and a bank account with NO MONEY in it anyway. His ex wife get 55% of his paycheck for current and back child support. I don’t know what is going on with my mom, I don’t ask anymore. But I know how it is with my fiance, we don’t make any money and we don’t have any money. He doesn’t own anything of value!
My mom has been in a financial downfall, should she file for bankruptcy?
Hi, my dad past away 3 years ago and my mom never worked, so when he died (he was 46) only had 100k for her and an annuity. She spent all the money on fixing the house, like my dad wanted, and paid off all the debt they had. The annuity brings in 0 and her bills are triple that! She’s financially dumb! She listens to nothing we say. She does have a job now, but only pays 5.50/hr.
She also has 2 vehicles, one leased and one on a loan, fully financed. She has come to the point of them sending the repo papers, but she pays them eventually, she asks for money from family.
Should she file for bankruptcy?
Thanks for all the advice so far….
To answer some of the questions…..
1. she has two vehicles because my sister is in the same situation (spending more than she makes), newlyweds and already having trouble, so my sister has one of the cars!
2. I have bought books for her, but she’ll read maybe 10 pages! She does not want to sit down and see the whole picture, she use to do that with my dad.
3. She owns the home, she paid off a HELOC after my dad died.
4. She has canceled her sat., cell, pest control and is on a basic land line service. All she has is her debt.
5. She’s living off of her CC’s because she uses her 0 to pay the car bills and maybe part of the care insurance. My grandmother gave her ,000 last month and paid maybe 4 bills, including the cars, and still ended up over drafting 0 because she ate out too.
6. I’ve told her to sell, i’ve even posted an ad in craigslist myself, but she says she can’t sell because she needs a car! So frustraiting.