I’m declaring chapter 13, to include a mortgage foreclosure, reposession of a car and 13 credit cards. I want to buy at some point in the future. How long before I can get a mortgage again?

I found it on the website. It says it brings instant credit restoration and only costs ,800.00.

Curious, how long will it take from start to finish for a bankruptcy in California?
Can it be done without an attorney (So done just by ones self) ?
And what is the first step to getting a bankruptcy, very interested thanks.

I was shunned by my family and friends for filing bankruptcy, even though I had a job, but took a pay cut. They could not understand this and think I am a criminal for stealing from credit card companies, and should be in debtors prison for life. I am left with no one but myself. What should I do? Will I ever work again or will companies shun me forever also?

I’m in a real mess with my bank acc being frozen and now overdrawn . my total debts are less than ,000 so most lawyers wont touch it for me, but the monthly payments to the credit cards are too much right now . anyone have any sugestions for me that would be great

Is your tax return "frozen" if you are in a Chapter 13 bankruptcy? Does the IRS just hold the money? Or, do they send it to you? (we do not have anything signed with our trustee stating it would go to them)

I want to start a business, obviously i will need a business loan

I filed last year October 15th and I have almost 10,000.00 left to pay off, with 0 a month payments…and I just need to know when I would be able to buy a home and when will it be off my credit. I have an attorney but I feel he is not helpful enough. Hopefully my question is not to hard.

I need to get my counseling certificate to file for bankruptcy, do you know of any good online companies?

i want to file for chapter 13 bankruptcy. i currently am financing a car. if i put my car in my bankruptcy, will i lose it?
i want to file for chapter 13 bankruptcy. i currently am financing a car. if i put my car in my bankruptcy filing, will i lose it? i want to include it because i simply can’t afford to pay it.

I hear the term a lot, but what does it really mean? Is it really that bad? what are some common misconceptions about bankruptcy? Can they take everything? What’s an alternative to bankruptcy? (besides obviously paying your bills on time)

This isn’t the place for negative comments, thinking people are lazy and worthless just because they claim bankruptcy, so please be respectful in your answers.

Thanks so much everyone!
I probably should have added that I’m in Ontario, Canada, not the U.S..so I think laws would be extremely different.

Has anyone filed a chapter 7 bankruptcy? What’s life like after that? Also – what do you know about bankruptcy? EVERYTHING (except one card) is in my soon-to-be-ex husband’s name…so I’m not even sure I can FILE bankruptcy until I divorce and have some of the debt in my name. I’m divorcing due to domestic violence – does the reason for bankruptcy make any difference? Thanks!

I had to file Chapter 7 in 2007. Most of the percentage of what I filed was penalties on credit cards, therefore what I actually owed, was significantly less than what I filed on. On my income tax return this year, do I have to claim the chapter 7 bankruptcy total as income for 2007? I hope not! Thanks for any help with this!

Can’t access my mortgage or car loan. Both are current and will not be effected by the bankruptcy.

I own a car that was initially part of the bankruptcy (100% repayment plan chapter 13) that has already been paid off and we were just mailed the title. are there any limitations now on me selling this car?

before filing, the lawyer has to submit my debt and income to the trustee, so they can figure out my payments. but what if after filing i get a second job or work extra days at my current job; would the trustee take that out later too? or will he only take out what he figured when i filed. thanks!

like legal aid or payment plans

I have three charge offs on credit report, and several collection items I would like to take care of. Would bankruptcy be a better alternative?

I need one if you can help me find one i appreciate it.

i couldn’t find it.

I had a chapter 13 bankruptcy dismiss for missing a deadline, I have prepared a motion to reconsider dismissal but I am unsure of the deadline in federal court – is it 30 days from the day the case was dismissed?