My parents declared Chapter 13 bankruptcy. They had a business in land development and thanks to the housing bubble it collapsed. My dad unfortunately personally gauranteed some of the corporate paperwork.

Now the problem is they are starting to make more money, but the settlement keeps taking the money. Is there any way to try to make more money? Or are the doomed to their current lifestyle for the next 5 years? Any thoughts? Perhaps a bank in the Caymans?

Technorati Tags: caymans, chapter 13 bankruptcy, dad, housing bubble, lifestyle, money, paperwork, parents

So, I recently (a couple days ago) was served with court papers, I am being sued by a hospital for ,000. I have about k-100k in medical bills alone, so to avoid paying the ,000 I know I should just file bankruptcy. Today I had a consultation with an attorney, and I am SO confused still. It was a free 30 minute one, so maybe that’s why I felt really rushed and lost…but anyway. It’s going to cost about ,500 to file. I am a 25 year old BROKE college student who works part time at a retail store, this is a lot of money =/ ….I know it’d be easier and for sure would get the papers done RIGHT, if I had an attorney, but I don’t know if I can afford it. I know you can file yourself. Has anyone done this? My sister got a paralegal about 5 years ago, and filed herself. She said it was about 0, but she said the paralegal was helpful in helping her with the paperwork, BUT she did miss a few things. I feel like I’d be paying the lawyer to basically just go to the court and turn in the papers, and come with me to court. I still have to do all the dirty work of course…gathering my bills, filling out all the paperwork, etc…but I’m not sure if ,500 is worth having an attorney. Also, I am confused on this court paper I got. I know that they will eventually file a judgement against me (within 14 days) and start garnishing my checks, I understand bankruptcy can stop this. But is it only after your papers are completely filed and done? Or is it when you START the process? I am so lost! The attorney told me to try and get all this paper work gathered and figured out before 10 days so we can start it before the creditor starts coming after my money through the judgement. Does anyone have any advice? Thank you!

Technorati Tags: 100k, bankruptcy, checks, consultation, couple days, court papers, creditor, dirty work, judgement, lawyer, medical bills, money, paper work, paperwork, paralegal, part time, retail store

I made some bad choices in the past regarding my use of credit cards and have spent the last few years making it better. This includes settling my outstanding balances on the credit cards that I had defaulted on (it’s only fair to pay back what I owe, in some capacity, right?).

Today I received a very pushy call from Creditors Interchange telling me I owed several hundred dollars for a credit card that I payed off through settlement last year. I was calm and checked my paperwork while on the phone and sure enough, I have records of the settlement.

The unpleasant man on the phone informed me that I owed monetary payment on the interest rate (and threw out a 20% rate) that had accrued on the debt. I informed him that I had already settled the debt, but he seemed adamant about what I owe and threatened me on the possibilities of ruining my credit score and kept insisting on bank account/credit card payment information. I refused.

Thoughts?

My impression is that settling a debt effectively closes the door on future amounts that I may owe in the future for the card? In a sense, double jeopardy?

Technorati Tags: choices, credit card payment, credit cards, credit score, creditors interchange, double jeopardy, interest rate, jeopardy, monetary payment, paperwork, possibilities, unpleasant man

I filed in january and had court at the end of March. My attorney says i will receive my discharge papers within 6months. Now my company has offered me a transfer to arizona which i had applied for before the whole bankruptcy issue. Do i wait till i have my paperwork and miss the chance of a lifetime or can i go without the official discharge?

Technorati Tags: bankruptcy, chance of a lifetime, discharge papers, paperwork

I need to file chap. 7 bankruptcy and I’m in Utah. I’m going to try it on my own because I have no income and can’t afford a lawyer. Where do I go to get the paperwork?

Technorati Tags: bankruptcy, chap, lawyer, paperwork

My wife is filing for bankruptcy and one of our creditor’s is Kay Jewelers. We bought our wedding rings through them back in 2008. We received a letter in the mail today saying that they may have a non-dischargeability cause of action against us if we don’t turn our rings over, which we really don’t want to have to do. I know that it seems like the sensible thing to do and we can’t really afford to pay off the debt. Is there any alternative to giving the rings back or paying the debt?
Thank you all for answering so quickly. First, I am not on any of her loans/ debts so it wasn’t really advisable that I file as well. The only thing I have in my name is my student loans and our car (which the person who helped us file our paperwork said we wouldn’t need to worry about since the title is in my name). With that said, while we were filling out our paperwork, there is a section that you get to put items that you would like to have exempt from the bankruptcy i.e. jewelry, clothes, electonics… and you’re allowed up to a certain value for each item. Our rings fell way below the limit so we were told that we could keep them. Lastly, and unfortunately, it was a secured loan so they are saying that the rings are collateral and they have the right to either take them back or have us pay it back.

Technorati Tags: clothes, collateral, creditor, debts, electonics, filing for bankruptcy, jewelry, kay jewelers, letter in the mail, paperwork, secured loan, student loans, wedding rings

I’ve decieded to file Chapter 7 bankruptcy without a lawyer. I’ve heard that hiring a parallegal to help fill out the paperwork would be cheaper and a good idea. Does anyone know how to access the paperwork needed to file?

Technorati Tags: chapter 7 bankruptcy, lawyer, paperwork, parallegal

After credit counseling filing chapter 7 has been recommended since I am on disability and working only part time. Problem is attorneys I’ve contacted want 00, 500 upfront before they’ll even submit the paperwork. Obviously I do not have this. Legal aid is not available in my county or city for bankruptcy. Can I just get the paperwork from the clerk of courts and do it myself?

Technorati Tags: attorneys, bankruptcy, clerk of courts, credit counseling, disability, filing chapter 7, legal aid, paperwork, part time, time problem, upfront

may be facing the situation of going thru personal bankruptcy. i am married and both myself and spouse work and file jointly on taxes. everything that has to do w/ the bankruptcy is in my name alone; spouse is not listed on anything. my question is this; since i alone will be filing bankruptcy do i have to include my spouses income on the paperwork? if so, i may not qualify for the chapter 7 and would have to go thru the "means test" to see if i qualify and our combined income may be to high. state we live is GA. any help or suggestions would be greatly appreciated. thx

Technorati Tags: chapter 7, filing bankruptcy, paperwork, personal bankruptcy, quot, spouse work

may be facing the situation of going thru personal bankruptcy. i am married and both myself and spouse work and file jointly on taxes. everything that has to do w/ the bankruptcy is in my name alone; spouse is not listed on anything. my question is this; since i alone will be filing bankruptcy do i have to include my spouses income on the paperwork? if so, i may not qualify for the chapter 7 and would have to go thru the "means test" to see if i qualify and our combined income may be to high. state we live is GA. any help or suggestions would be greatly appreciated. thx

Technorati Tags: chapter 7, filing bankruptcy, paperwork, personal bankruptcy, quot, spouse work

I live in Arizona and I know that there are some special considerations for filing bankruptcy in the state. I have no idea how to navigate all of the paperwork and I don’t want to mess something up – does anyone have any advice on where to start?

Technorati Tags: filing bankruptcy, paperwork

I had my 341 meeting today and Im so glad that this is over with. My trustee was a local bankruptcy attorney that advertises WAY too much and my neighboorhood, and he kida looks like skeletor.

Anyways he was particullary found of me since I filed bankruptcy ProSe(By Myself) I had a few tiny problems and he wouldnt be specific on how to fix these problems and am hoping someone can help me and tell me what I have to do

#1 I had lost my wallet a few months ago it had my social security card and everything in it. I went to the SSA builing and filed a replacement card application. I had told the lady at the counter I have a meeting coming up where I need to show proof of my social. She told me " This reciept is all you need to show" I did and the trustee rejected it. I have to get him something with my social

#2 I was told before the 341 meeting that I needed to drop off paperwork to his office. I needed to drop off my bank statements, Paystubs, Income Tax Returns. (SEE MORE BELOW)
And a copy of my Petition. I had a copy of my petition saved on a CD and I had thought that the State Bankruptcy office would have given him a copy. But just to be safe I had printed out a copy of the original petition and handed to his office. He cocked an attitude on me again saying," How am I suppose to verify your signature" i had told all my signatures was on the original and this was a duplicate. I dont remeber him saying anything else needed on this end. But just to be safe

#3 On My list of assets he said I have to amend my return to say the details of my car which Im claiming an exemption on. I wrote "debtors Personal Vehicle" but he wqants I think the make year model etc. And also I claimed my checking account as an assett which only had a hundred and he says I need to put an exemption on that. He wants me to amend schedule C i think it was

He ended it by saying quote"DO NOT CALL MY OFFICE FOR ADVICE ON HOW TO FIX THIS" (SEE MORE)
I remember him saying I had till the 28th two weeks from now. Do I just have to get all my paperwork together and can I mail it to his office or something else? I’m really in the dark and wish I had hired an attorney. PLEASE no smart ass remarks about ohhh you should have gotten an attorney. If I could have afforded the fees I would have. Thanks

Technorati Tags: 341 meeting, assett, bank statements, bankruptcy attorney, bankruptcy office, card application, checking account, debtors, income tax returns, neighboorhood, paperwork, personal vehicle, petition, prose, reciept, schedule c, social security card, state bankruptcy, trustee, wallet

I just turned in my paperwork this week. They told me up to two weeks to verify my information and my lawyer will file. My question pertains to the fact that I was advised to resign at my part time job prior to filing, which reduced my income to a normal 9-5 income…..

Do I have to wait for my BK to be discharged before I can get my part time job back? What if I took a new job which actually pays less but more hours? My income would stay the same really, but I would put myself in a better situation.

Thanks…

Technorati Tags: bk, lawyer, new job, paperwork, part time job

I am a business owner and I am having an issue with getting paid for my services that have been completed. My husband was a business owner (both of us in construction) and recently had to shut his company down to to an issue with the IRS. I have done work for one of the same companies that he has in the past. His company was issued a levy and the levy was also send to the General Contractor that I am doing the work for. The General Contractor is now holding my funds and refusing to pay until they hear from the IRS. Meanwhile there is no paperwork filed against my company for a lien or a levy by the IRS. This GC is just not paying me. I have hired a CPA to help us and he flat out told us that what this General Contractor is doing to us is ILLEGAL!! Because of this we have gone bankrupt. We are losing our house, our cars and have had to seek counseling becuse of the amount of stress that this is putting on our family. We do have a 20month old daughter and in less than a month we will have no place to live, no vechicles and be completely broke. I am in a situation where the only thing I can do is hire legal counsil to get our money. We are owed over 0,000 and we don’t think we will see a dime unless we get legal counsil. Can I sue them for withholding funds? Can I sue them for emotion distress? How much can I sue them for? I need some advice!! Please help me!!!

Technorati Tags: becuse, business owner, cars, counseling, cpa, emotion, gc, general contractor, irs, levy, money, paperwork, stress, withholding funds

First they broke the Heppa Law, showed me my parents accts, in a private office on a computer.2nd,I filed for perm disability,they were to stop my automatic transfer of funds to a savings(you cant have a savings going through filing)the bank did not took them 6 mo. I went without an income due to there error.3rd, this caused my credit card accts to fall behind, I could’nt get caught up4th I started a re-fi with Wells Fargo ( my house is with them)I had a 785 Fico at this time.Long story they backed out,after stating I had the re-fi no problem I have the paperwork to prove this.I now have a judgment from a credit card co,my income went from 65,000 to 12000 a yr.I now have to pay to go bankrupt so I do’nt loose my house which is paid off in 7 yrs.

Technorati Tags: card co, credit card, disability, fi, fico, heppa law, judgment, paperwork, parents, private office, wells fargo

I have an attorney who has been negotiating with another attorney who is attempting to get a judgment against me for CC debt originally in the amount of ,300. I had been served but do not yet have a court date. The judgment paperwork states the judgment at ,000. We have been negotiating for several months, I have offered a lump sum payment of K, which was refused and they asked for K. Payments on k with K down and 0/month (which is all that I can afford), they came back with .1K and 0 a month and 00 down. I just don’t have the cash to do this. It seems they are asking for an exorbitant amount. I’ve worked with many other creditors and they have settled, usually for less than the actual debt, but this guy is being a real knucklehead. At this point I either have to come up with the .5K or take my chances in court. Any suggestions? I’d like to settle this, but I think they are asking way too much. Just FYI…I ended up at this point because I broke my back 5 years ago and became disabled and ended up loosing my house, car and not paying many of my CCs. I’ve been trying to settle most of my past debts

Technorati Tags: ccs, creditors, debts, judgment against, knucklehead, lump sum payment, paperwork

I filed for bankruptcy about a month ago, and paid him in full last week for chapter 7. Well my bills for my loans and credit cards are due again and I’m wondering do I still have to pay them since i already paid my lawyer and filled out all the paperwork for the chapter 7. Or do I just let it ride until he does whatever it is he does?

Technorati Tags: bankruptcy, chapter 7, credit cards, lawyer, loans, paperwork

I have a company that wants’ to see my chapter 13 paperwork to cease and desist. What do I have to show them? I am not sure where my all my paper work is. I have a Status of Claims, but that is all.

Technorati Tags: chapter 13, paper work, paperwork

I’ve learned that it costs money to file for bankruptcy. I think a little less than 0 if I do it myself and ,300 if I go to an attorney and they take care of most of the paperwork for me.
Problem is, I don’t even have enough money to file for bankruptcy where’s I’d do it myself. One of the loan agencies that I’m paying back that’s part of my major debt won’t let me borrow if it’s for bankruptcy. What do I do? Who do I turn to for this? At this point in time, wiping away my debt is the only answer. I know my credit will be shot for the next 5 to possibly 7 years, but it’s the only real option I have right now because I can’t afford to back back my creditors at this point in time.

Any help would be greatly appreciated.

Technorati Tags: bankruptcy, creditors, enough money, loan agencies, paperwork, point in time, real option

I am considering filing for bankruptcy due to extensive medical bills. I have a car that was totalled, but I owe ,000. I had a co-signer sign for the car. Does anyone know what happends to that person after i file?

Do I get to keep the car? The car has no value and barely drives.

Also does anyone know of inexpensive alternatives to using a bankruptcy lawyer. In california we had a legal document service called "We the People" I am residing in TX.
Can i do the paperwork myself?

Technorati Tags: bankruptcy lawyer, co signer, document service, filing for bankruptcy, inexpensive alternatives, legal document, medical bills, paperwork

I agreed to use a certain company over the phone but now regret that decision. They are sending paperwork so I haven’t signed anything yet. I would rather settle the debts on my own. Does anyone know if I can back out of this situation? Thanks!!!

Technorati Tags: debts, paperwork

Here’s the story. We have been tricked before. In the past we had a broker that said our loan to buy a house was approved, showed us a phony letter from I don’t know who and after 2 months she mentioned that bank that approved us went into bankrupt. Yes, sounds like BS. Now, I came to realize I was missing a year of 1099 for me to get really approved so I guess she didn’t want to lose a client and lied about it. Finally I filed my second year of 1099 and around 2 weeks I sent all my info for me to get the loan process started. The same broker is working on my stuff but, I figured since I got all my paperwork now why not give it a second chance? Until today all I know is that I have been approved for 0K. I found a few houses but, I won’t have peace of mind until I physically get a loan approval document which I still haven’t seen/received. How do you truly know you have been approved? where and how do I request this? How would I know the letter/document is not fake? I’m tired of people that play dirty in the real state market. PLEASE HELP!

Technorati Tags: approval document, bankrupt, bs, loan approval, loan process, paperwork, peace of mind, second chance

So if i buy a Corvette, and GM goes bust in a few months, and my car is financed by GMAC, does that mean I get the car for free?
If they go bankrupt, they went out of business, therefore have no business in having a creditor come after me, when they themselves are gone, and already have filed the paperwork saying they can’t afford to pay anyone back

Technorati Tags: bust, corvette, creditor, gm, gmac, paperwork

Where do I get the paperwork and documents to file on my own? How much does it cost? Any good links to figure out how to do it yourself? What steps, etc. etc.

Technorati Tags: paperwork

My mother is bed ridden and unable to go to a lawyer’s office to file bankruptcy papers for herself. I am wondering I am with my rights to do so on her behalf as her legal power of attorney?
How does someone who is bed ridden and infirmed to the point that they cannot travel file for bankruptcy? She is not able to go do an office visit and needs someone to come to her residence to sign the paperwork. I am asking this question because I thought I could do so as her representative and legal power of attorney.

Technorati Tags: asking this question, bankruptcy papers, lawyer, paperwork, power of attorney

My husband has put me in huge debt and I can’t seem to get out of it with what I make and need some help. Is there a way to file for bankruptcy without an attorney? I don’t have the money to have an attorney file for me, is there a way to get the paperwork and do it yourself??

Technorati Tags: bankruptcy, money, paperwork

I want to file bankruptcy but can’t afford an attorney & the only legal aid office around has a waiting list. I have been researching and it looks pretty difficult to do it by yourself. I do have a house & almost every site I go to says that if any of the paperwork is filled out incorrectly I could lose my house. I live in Arizona, have you or anyone you know filed for bankruptcy without a lawyer? Is it really that difficult?

Technorati Tags: amp, bankruptcy, lawyer, legal aid office, paperwork, waiting list

Who out there has actually did all your paperwork and filed your own bankruptcy without an attorney??And what were the results?Where did you find the Info. to do this and what were the actual cost?Would you reconmend this ?

Technorati Tags: bankruptcy, paperwork

I just had my car repo’d last night, and I am in the process of filing bankruptcy. I have the paperwork, but it hasn’t been turned in yet. Can I still file on it even though it has been repossessed? I live in Indiana.
Thanks in advance for answers.

Technorati Tags: car repo, filing bankruptcy, paperwork, thanks in advance

I want to file for bankruptcy on my own without a lawyer. Besides filling out paperwork, do I need to appear in court? I see no other way than filing bankruptcy to get out of debt. Credit counseling is not helping and I want to start fresh. I have learned my lesson.

Technorati Tags: credit counseling, debt credit, filing bankruptcy, lawyer, paperwork