I need help, Please.

I lived in PA my whole life, own a home there. I lost my job 1.5 years ago, and I had to file bankruptcy in april of 2007. For the past 8 months I have been staying with a friend and working in Missouri. But my home is in PA, but been using my friends address for local employment.

My question is:

Do I file my federal and state taxes for Pennsylvania like I always have? If I do that, and on my PA forms, put down taxes that were paid to MO, or do I have to file MO only, and if I do that, PA will be looking for me for taxes? Or if I do the PA income tax, will MO be after me for a tax return?

Also, does my bankruptcy and chapter 13 payment plan affect my tax return at all?

I am in need of help. I always do my taxes myself cause I cannot afford to pay an accountant right now.

Please help.

So, I joined this site because I don’t go out drinking. I spend my time studying, working as a freelance artist, and weight lifting. I have the jock appearance, but I lack their traditional intellectual bankruptcy. My physique is generally superior to the other males on the site, resulting in frequent responses from women. We strike up discourse online, and end up meeting.

I have been consistently disappointed in the women after I get to know them. They display many symptoms of narcissistic personality disorder to an extreme degree (drug addicts/ex-addicts, lack of empathy etc), they tend to be exploitative as well.

Not only that, but the person they describe themselves to be is in direct contrast with their behavior. Many times they are condescending because of some bizarre preconceived notion that the entire reason I joined the site was out of sexual desperation. I could go to a bar and have sex every weekend if I chose (though it would be at the expense of my physique and my work). I don’t want to just have sex though, so I don’t spend time telling them what they want to hear if I think its in contradiction to reality. They seem to have trouble agreeing to disagree.

My question is, what the fuck are you women doing? When I used to hit up the bars I would see similar behavior, just not to an extreme degree. I’m sure there are psychologically balanced, moderately intelligent women out there, but what are the locations can I find them?

I have an Outstanding Auto Loan that is ,000 and 4-5 Credit Cards that went to Collections and the Amount is about 6-9 Thousand between each other.. Please Help I’m Trying to File the Right one But I’m Not Sure what one to do -Thank you very Much

Sacramento, CA

When I filed for Chapter 13, it was to be for 36 months, and the plan called for repayment of X amount of dollars and am starting my 35th month. I have now surpassed that amount (by several thousand dollars). I was told early on by my attorney that if I paid more money on my plan than called for (through income tax or inheritance), that the case could be discharged earlier than the 36 months. My question is: Does the trustee ever discharge it early, and will I receive any or all of the overpayment back?

I filed Chapter 7, it was discharged in March. I want to purchase a home, but I want to know what can I do to ensure a good rate.

My parents have been together 17 for years. I am the oldest, i’m 17 and then i have a brother who is going to be 16 and a brother who is going to be 12.

My dad trusts my mom, i guess they share an account. My dad works at his car dealer but as we all know the car business isnt very good right now… my mom works in collections… well anyways a few weeks ago my dad told my mom to put 10 thousand dollars in the bank that he had saved up just for whatever and so my mom puts it in there bank…. about a week later the money is gone… 10 thousand just GONE. My mom claims that she had debts to pay to other businesses like credit unions or whatever… she keeps lying…

Last August my mom was caught cheating on my dad with her old high school sweetheart… my dad took her back because he didnt want his kids to grow up without a mom and stuff. So anywyas, since shes chaeted on him things have been bad. Money has been missing and everything. The 10 thousand was going to be used for the rent and now it is all gone. My dad is gonna have to file bankruptcy for a 2nd time. The last time he filed was a year after they had me. it was about 16 years ago.

My dad says ok fine you had debts to pay… where are the receipts? and she just says, i paid online we dont get them… i honestly think my mom has a gameling problem… I am so stressed and am having trouble focusing on school. I honestly want to drop out and get a full time job just so my brothers dont have to worry about anything and so that my dad doesnt have to worry about feeding us. I feel like i dont have a mom anymore and I just want to die…

I am so depressed and stressed out and feel like I have no one to talk to about this… My boyfriend lives really far away and has kids and stuff and hes busy a lot and i completely understand that he cant always be there for me to call on him when i need him… But i just feel so stressed. Plus its really hard to find a job… ive been looking for about 4 months now. I dont know what to do though.

How could my mom do this to us?

sigh***

whatever…

-vanitybreanne

Right now the interest is at ~8% with a balance of about k and I am worried that if I file the interest will skyrocket. I’ve heard of people paying 20% or something outrageous… I’m not sure I could swing that.

Also, I know that I can’t have the private student loans discharged in chapter 7, though I was told that there is something referred to as "chapter 20" where you combine chapters 7 and 13. Would it be possible to file chapter 13 on the student loans? What would happen at the end of the repayment term (5 years or so) and how does the court decide what your payments would be?

Lately I have been overcome with feelings of severe depression and have gotten to a point where I just don’t care about life anymore.

Where should I start? I am in my mid 40’s. I am divorced. I lost my job when the company I worked for filed bankruptcy. After being out of work for almost 1 full year, I finally did get a job. The money is terrible. I am making the same as I was back in 1997! Financially, I am short each month by about 0-0 on basic living expenses. My credit card balances keep going up cause yea, I am basically living on my credit cards.
The job I have sucks. I work in a call center and basically am cursed out, yelled at and screamed out all day.
I am totally alone. I have no girlfriend and have been single for 4 Years now. I haven’t even gone on a date in 2 1/2 years because I don’t have the money and cant afford it. As I mentioned, I am 0-0 per month short NOW–How can I add the expense of dating to that? My idea of a big night is picking up a couple of burgers at Jack in the Box on a Friday and watching a movie at home. (That will surely drive the ladies wild!) I don’t have the money to go out and meet someone, or even join an online dating service.

The things I used to enjoy doing I no longer have any interest in. I love Baseball, but have lost interest in that. I love to read and write–but cant focus on that. I have 2 small dogs that I love, but I don’t even bother playing with them anymore. I don’t even care about my appearance. We have a casual dress code at my job and I show up in torn jeans, old t-shirts and a 3 day beard.

I did spend 3 days in a ‘hospital’ for observation last year. I was determined to get help and get my life in order. But my insurance does not cover appointments to speak with a mental health professional and I don’t have the money to do that. I’ve checked for low costs clinics in my area but none can be found cause I work unusual hours at my job. I do take an anti-depressant (Xanax) and asked my DR if she could increase the dosage. She refused. I don’t have any brothers or sisters. I really don’t have any close friends anymore. The reason for that is my depression and negativity–and I don’t blame them. Who wants to around someone who is down and depressed and quiet all the time. My relationship with my parents is decent–at best.

Will I attempt suicide? No. I don’t have the nerve to do it and knowing my luck, I’d only fail at that, too, and wind up arrested. Or as a vegetable. I do take prescriptions meds for high BP and cholesterol but have begun to cut down/cut them out altogether. A couple months back I stopped taking my cholesterol pills. After about a week, I started getting dizzy and not feeling right. Stupidly, I got scared and resumed taking them. Call it a ‘reverse’ suicide if you will. I have once again stopped as I continue to push my health. I am smoking more. driving faster and more recklessly.

Suggestions? Oh–and please dont say something like ‘talk a walk’ or ‘pray.’ I am not religious at all

I am recently divorced and the reason for my divorce was due to my wife obtaining numerous credit cards on line im my name, she then maxed them out and didn’t make payments on them. When I found out the cards existed the interest rates had went out of sight and late fees had became enormous. Due to the divorce and the credit card debt I turned the credit cards and one personal loan over to Consumer Credit Counseling Service. This is still a strain on my budget. I bring home 3,700 dollars a month and my total debt that I turned over to the credit counselors is now 18,700 dollars. After I pay my rent, child support (which is the mortgage on the house my x wife lives in), car payment, a home equity line payment, and other monthly bills I only have approximately 360 dollars left for groceries and gas, and other emergency expenses. Would I be a good candidate for bankruptcy, or does anyone know a better option?

I issued a check and my husband was having gambling problem that I have to close my account and affected one of checks that I issued. Now Bad Check Diversion Restitution Program came in the mail saying that I should comply, I am filling bankruptcy and I thought that I can include this so I simply set it aside, I just read today that this is a criminal case. But the deadline was 11-23, which was last week. Now I cannot pay online, and actually I cannot pay the whole amount. So I was wondering what will happen, will this be a criminal case if I didn’t get to respond at the program before their due date? I will call them tomorrow, but I’m just afraid that I might not be able to join in the program or any payment plan. Will this go straight to court hearing?

Do they take away your vehicles when they are not yet paid off when you file? What are the negative outcomes? Is this the right route or is Chapter 13?

Here’s my situation. I went bankrupt in 2008. I got this job in mid March 2008. I was getting bonuses for my good performance. At the time I knew nothing about this, but apparently I was being paid the bonus pay as an independent contractor. I’m a full time, salary employee, thus I also received a W2. Come tax time, when I try and do my taxes online, I was told my bonus should have been included with my W2 and properly taxed. Also, to fill out an SS8 form. I spoke with my boss about this and he said that the law changed in 2008 to where my bonus pay had to be taxed and included in my W2 but not before I received the amount in my 1099. If I declare my bonus pay as an independent contractor, would this affect my bankruptcy? Would the IRS come back and ask me why didn’t I report this when I went bankrupt? Should my employer fix this? Any input is appreciated.

Thank you.

Were thinking about filing bankruptcy and doing a Chapter 13. Only because our 2nd mortgage sent us to collections for the full amount. Right now we pay 0 a month in credit card fees. Someone told me yesterday that my repayment plan would be much higher that that. Is that true? I thought I would only have to pay up to 15% back in the unsecured debt. Do any of you have the answer? What is the point in filing Chapter13 with a higher payment? I can barely make it right now, in fact we can’t make it.

I have a large amount of money that I owe from investments gone bad. I am looking to file for chapter 7 but I am not sure what the limit is for the amount of money an individual can claim.

I have been under tremendous stress for an extended period. I survived a bout of homelessness & malnourishment. I had to file bankruptcy, I got a job but was underemployed. I was not making enough to pay my bills, just fuel and a weekly lodge.

After the homelessness, I stayed with a friend who lived so far from my daily routine that I had to literally spend hours traveling daily to continue to survive. I somehow contracted a viral infection amd had to make an emergency room visit. This infection hit me pretty hard affecting lungs and bronchial passages. My immune system is so weak that I had to stop working my low paying job just to recupperate. I need to work. I have worked my entire life, still but my head spins constantly, I have a bad headache, & my chest and heart literally ache. I just don’t feel quite well yet.

1.Given my conditions & needs what are my options for medical care with no money?
2.Do doctors do pro bono work?
3.Are there free clinics, I can visit?

She doesnt have very good credit. She has hardly any at all but has a score close to 600 but under it (we did a free report online) she has some charge offs but less then 5 neg. things on her credit report. The only reason that she has this is because her ex-husband now filed bankruptcy when they were in the process of waiting on their divorce. He didnt have bad credit either but filed cause he co-signed for a vehicle for his sister and she didnt pay so he was being sued so . . . she is worried now that she wont get the house. They arent giving any kind of an option to have a co-signor but she does make about 4 times the amount of the rent in the income. Do you think that this will matter? She is scared to death because they called her today and told her that they were doing the credit check. They did it about 3pm and havent called her yet so now she is her freaking out thinking that because they didnt call her back today that she isnt going to get it. Also some more info is that the people live out of state and they need to rent it to make the house payment still owed on it and so far she is the only one interested . . . please no smart remarks!
Yeah I know Twitter I tried to tell her that and she said that when she went and did the app that it looked like a basic one that you would fill out anywhere and they didnt tell her that they were gonna do the check on her she said she didnt think that they would but they also ask her for credit references and she does have other stuff people she pays car lots she owes to thats still not on there and she said she told them that none of it was on her credit yet but that they would all give her a good reference so maybe that will help. Thanks for backing me up on this maybe she will listen and call them.
maybe I should have added a lil info, my gf has 2 kids and currently rents a house which she has for 4 years now, she is just looking for a bigger one, she is responsible for all the bills and always has been. So I think that she knows how to pay her bills as I said she was messed up because she was married to someone that was. I think I also mentioned that she pays a car payment monthly and is never late, she has other things that she pays they just arent showing on her credit report yet. She isnt a low life with no money trying to get something that she doesnt deserve. Like I said 2 kids needs another bedroom, very responsible has had the same job for many years, pays all her bills, I was just asking an opinion, like do you think that if the people want to rent it bad enough that they will ask her to do some explaining before they turn her down and would you rent to someone in her situation. Thats all we are asking not how that she can get help w her money cause she can afford it.

I can’t help but feel sorry for people who are going into debt for a fake education. The job market is horrible, and you can’t file for bankruptcy on student loans…not to mention half the degrees are for jobs that don’t even exist.

I can do loans in seven states, and I can even get someone a house in bankruptcy (chapter 13). 500 scores aren’t usually a problem. I can do jumbo loans up to 3 million dollars. I can even do no documentation loans. My coverage areas are:
Alabama, Florida, Georgia, Illinois, North Carolina, Pennsylvania, and Texas.

Any suggestions. I have teamed up with a brokerage firm as well, and just looking for fresh ideas.

I was reading that any potion of the plan payments that you sent to the trustee that was not distributed to the creditors by the trustee would be returned to you after the discharge under Chapter 7. Is this correct? Remember, this is a conversion from chapter 13 to ch 7.

When I go to my account overview…..out of 00, only 1000 has been distributed to one of my creditors…the other monies have not been distributed in the past 6months, anyone know why? If I am converting to chapter 7 if the money still has not been distributed to the last creditor, does this money get returned to me?