my chapter 13 is 100% pay can the trustee go into my bank account if i leave money in there every week to live on can he take it out. the I.R.S. is included in my payment

thanks
mary

Hi im asking this question on behalf of my mother in law who is currently in jail. She just recently told my husband, who has power of attorney for her to look into filing bankruptcy. At this point, her only valuable asset is her home, which is what we are trying to save, so if we file chp 7 will that really do any good?

"I am currently in a chapter 13 bankruptcy and need to find a place to rent. I am not a bad person but have had some really bad things happen and had to get on a repayment plan through the courts. Now I need a place to live. Will I be able to rent from someone in my situation? I am a single parent and I need a home for myself and my child. I’ve been on my job for a long time now but need to find a place that rents for less than what I was paying to make ends meet. I moved with my parents but can’t stay here for long because of the space. Will I get turned down if I try to find someplace to live? I am willing to pay extra deposit or rent if reasonable. Does anyone know a website that address this situation.

I got into a car accident, it was a total loss, and the place where I got it from didn’t offer gap insurance. My insurance company paid about 00, and I owe about 00 on it. I haven’t been able to pay since March 2011. I am possibly eligible for Chapter 7 with all of the other debt that I have. I am unfortunately seeking bankruptcy. Can I claim this loan in bankruptcy? What will happen to it if not? I’m making my first payment very soon either way. I bought a car with cash, but it is old, 14 years old.

Just ended Cht 13 after 42 months!! As of July 1st we were done but, that’s when GMAC quit accepting our mortgage payments. Truth be told I missed a payment back in November of 2010, and another in March 2011, So July 1st I’m out on chpt 13 and try to make my on line payment, like I have been and I was met with a "stop on account" I tried several times and failed, sent emails and asked why? A return Email said to contact the Bankruptcy Dept. I did, and was told there was issues on the account do to the changing of hands of the attorneys for GMAC, well at the end of the conversation the Bankruptcy Dept said they would look into why there was a "stop" on the account and I agreed to call back on the 29th (July ,29th 2012) willing to make a double payment to cover the beginning of Aug. I called and was told that they could not accept my payment, and was told to have my attorney contact theirs. Can anyone one out there tell me what I’m up against? And why this happened at the end of Chpt 13? Best of all what can I do? I have enough money to make two payment but as of now, not enough for four payments.
Thank you in advance.

My grandmother and grandfather have accumulated lots of credit card debt mostly because of my mother (she stole their credit cards in the past and ran em up). I believe the debt is over ,000

Grandpas retired. Grandma still works but will be retiring soon. My mom can’t pay their debt all the people in my family work low wage jobs. They simply don’t care about credit anymore. They pretty much don’t need it. They have a place in their home country that they want to retire to.

I guess I’m the problem. The house, they want to leave to me. They almost did the reverse mortgage thing but realized that as soon as they leave it gets taken away. They also are uninterested in bankruptcy since it costs money. Theyve stopped paying a lot of the cards because they just can’t afford it. What should be done?
By the way, we live in Texas. No liens on property & no wage garnishment. More to add to their indifference haha.
They plan on retiring to a different country. No need for American credit there
@the kid: When did I say I would lose money? I’m concerned because they have worked hard all their lives and have helped me a lot, and deserve a break and to finally go back to their true homes outside the US

I worry because they’re my family and I have watched them suffer because of debt all my life. I want to free them of that burden.

I have to prepare a Motion for Relief from Automatic Stay along with the proper Certificate of Service, Notice, and proposed Order for my bankruptcy class. Where can I find out what these need to look like or what to included in them. This would be filed in a court in Southern Illinios. I have all of the facts and everything. There is no example in my text book.

After 8 long and utterly painful years, the nightmare of divorce continues and has led to my complete financial ruin, irreparable harm to my career and most important, I’ve been deprived of any semblance of a relationship with my children. I readily admit I contributed to the demise of the marriage however my ex-wife has used every tool at her disposal to squeeze every drop of blood from the stone and that includes her own children. Over and over again, she would manufacture a crisis accusing me of everything untrue from abuse to drug addiction and then move the kids in the middle because she knew my love for them was enough that I would capitulate to her to save the kids. Most notable was her coercing my then 14 year old twin sons to aide her in burglarizing my apartment and stealing the last ,000 of assets I owned. Six months later, charged with 5 felonies I thought finally she would be held accountable for her terrible deeds however the prosecutor informed me that my children were prepared to overturn their previous testimony and state that they acted alone. The prosecutor asked if I’d take a deal to save my children from lying in court. I asked for only my property to be returned. My ex-wife refused ANY deal and once again I rolled over to protect my boys.

Divorced the same month in December of 2006, I lost my job as senior technologist for the business. My divorce required me to pay 40/mo in combined support. My ex-wife declared I was voluntarily unemployed and a labor lawyer said that it would be difficult and costly to fight. I was unemployed and the terms of divorce left me nothing therefore I was in desperate financial shape. I then learned that the VA Dept. of Child Support Enforcement can modify support. I called many times. I wrote letters. I received no response. Soon my bank accounts were seized for back support forcing me to be evicted. I was forced to move in with my parents. 49 years old and living with mommy and daddy. Humiliating.

Finally I got a good job in CA but it too lasted on 6 months since the economy caused the company to shutdown the division I was hired into. The day I was let go, I again called the VA DCSE and after several tries finally spoke with the case worker who told me what to do to modify support. I complied and I waited as I again lived with my parents to try to recover my life. After 9 months (last December) in the eleventh hour of the process when I fully expected to have my support finally modified by the court, I was informed by the case worker that she transferred my case to PA (current state of residence) and therefore my review process was terminated. Incredible! Unbelievable! Since had the support been modified properly it would have been retroactive to the date my ex-wife was served (March) therefore the transfer cost me 40/mo for every month since March of last year. In February I marched into the DCSE office and demanded I speak with a manager which I did. He was shocked at what happened and I felt I finally had a sympathetic ear. He told me what to do in court since I can’t afford an attorney. I have been trying hard to navigate the legal system that is hopelessly biased against me.

This week I went to a hearing to temporarily modify support in advance of the hearing on the entire petition scheduled for September. I was shocked when the DCSE lawyer requested a trial and clearly was gearing up to fight me. The DCSE’s abject failure to process my reviews and requests for support, first in 2007 when they simply ignored me, and then in 2009 when they transferred my case. The DCSE has done everything to PREVENT me from supporting my children.

Today my credit is impugned with a Child Support Lien of over ,000 as well as bankruptcy that occurred finally in 2008. Since credit scores are used today as a filter on new applications I can’t get a job at the gas station (I tried!). Maybe bagging groceries or other parolee oriented positions.

The damage to me is almost incalculable. I am a former executive office of public companies and today i can’t get a job at a gas station due to abysmal credit. I’ve been unemployed 2.5 of the last 3 years and will never aspire to the same level where I was a 6-figure wage earner since 1989 and former gazillionaire with stock prior to the 2002 crash. I have a new wife who remains in Europe waiting for me to solve the problems so we could be reunited. My ex-wife continues to withhold my court ordered custody. And she gets away with everything because the entire system is so bloody biased against me. I paid and paid and paid for the sake of my children and now the system is a willing accomplice to her campaign of destruction.

Our constitution guarantees us the fundamental rights of life liberty and the pursuit of happiness and that these rights cannot be deprived without due process. Where was my due process?!? My life is in shambles and pursuit of happiness impossible.

Th

I am looking at buying my girlfriends home, she had done a chapter 13 and has a few years before it is discharged. She is paying a high interest rate and that along with the high trustee payment she cannot make the payments. We are not getting married for a year so I was going to try and buy her out. The problem I run into is showing my income along with hers. she will be living with me when I buy the house but how can I show her income on the mortgage application. With both incomes there will be no problem getting loan, but with just my income it will be close if I get the loan. We will be living together until we get married so I want to be able to show both incomes on the mortgage application.

I was having over 70000 dollar credit card debt and about 32000 dollars in bank loans. i filed chapter 7 protection and my 102,000 dollar debt was eliminated. What other benefits exist beside elimination of debt?

I’m 38, husband 41. We’ve been married for 11 years and have a ten y.o daughter. After he lost his business due to a irreconcilable dispute with his partner (this is not the first, losing and disputing I mean) and fell into a terrible bankruptcy, we had to move back to my father’s house early this year. I had to let go of my own business, but thank God my old workplace is willing to take me back, but my husband is still jobless. He only stays at home, but claims to be looking for work/business through the internet and his network (by phone/text-messaging). He spends most of his time in front of TV and computer, and gets angry when I ask about his plans. He said he had been the breadwinner for ten years, so I should give him a break now. I don’t think this is true because I had my own business, and my father gave him a lot of money so he could start his business.

I just can’t communicate with him cos he just walks away or says something nasty if he doesn’t like the topic. He only helps with our kid and the chores when he is in the mood, which is rare. I wish we could see and talk to someone about this, but I don’t think there are any marriage counselors in my area – I live in a small town in Indonesia – but if there were any, my husband wouldn’t go. I asked him once to come with me to see our pastor, but he only told me to take a look at myself in the mirror before judging others, and not to hang our dirty laundry in public.

I want to make sure that this is only a stage that I have to go through, that I just have to brace myself till it’s over, that I’m not being weak and lame, and making myself everyone’s door mat. I feel so limited now and that makes me really angry. Maybe if there were just me and my daughter, life would be less complicated? Maybe we should plan to move away together, just me and my daughter? Or maybe my husband is just afraid of facing life after the loss? How can I make him want to get out there and start over? I hate having to support a healthy man all the time. And I don’t think he’s being a good role model for our daughter. What should I do?

There is a utility trailer and some lawn equipment that is needed to keep the business going, would that be liquidated in chapter 7 or is work equipment safe? Chapter 13 plan is no longer feasible and there is consideration to convert to 7 but the work equipment must be preserved. Please let me know specific to New York State, because NY is always "different".

Ok, my husband and I are in about ,000 in debt, He lost his job so he gets unemployment which the amount doesn’t even cover all the bills, I don’t have an education (I do take classes to get my G.E.D.,they take up my entire day; literally. I will be finished with it on May. 31,2012),so I am currently unable to work. We don’t go out to eat at all(strict diets and we hate people to serve us).We don’t have any extra expenses because our families pay for mine and my husbands cell phone,house phone, cable, and my husbands car insurance bills. His check is gone as soon as we get it so we had to get food stamps and medicaid just to help keep food in the house for our son and ourselves. I can’t get a loan for school to go to college when I finish, I have been told that if I file for bankruptcy then I won’t be able to get a grant,by a friend. I hate being in debt, having to rely on family to pay our bills , and not ever having any money,even though I am grateful to have a family who is willing to help us out when we need it. I
have done a lot of research on this matter and even went to 2 different financial planners who have both said to file for bankruptcy is our best option. We own an ugly old trailer(only worth 00 and 1 automobile worth 00, with a initial property value of 00 so every thing we have is safe from the property liquidation process). Oh yeah did I mention we are expecting another child? So I have advised a plan:

Plan:( we usually receive 00-00 in income taxes FED and 7 State, Husbands pay check 00 monthly even)
1) File for bankruptcy after I get my income taxes.(Filing for bankruptcy can cost in between 0-00per person if filing separate or 0-00 if filed together and we have someone who owes us money who is going to pay for out credit counseling courses and test, still no where close to what he owe us).We are filing it together.We would be filing for Chapter 7 Bankruptcy.
2)My husband and I would then open up a secure loan at the amount of 00 each that has a 6.9% interest rate and fees.
3)Now that all of the numbers have been ran, it is going to cost 04.11 per person to pay off the secured loan ( I figure we just open up a savings account, each, with the loan and put in 4.11 per person to cover the cost) and make automatic payments from said savings account for 1 full year. As I am sure every one knows the longer the on time payment history is the better credit rating you will receive. ( I figure we will need to do this for 5 years)
4)Take my husbands pay check and open 2 secured credit cards per person for 0 each with an interest rate at 1.5% .(only so low because it is secured, We both have terrible credit)
5)Turn around and pay our monthly bills with the card( bills and monthly hygiene products equal up to 2 monthly without paying off debt,we won’t have any more.)
6)Turn around again and pay off the cards with his pay check (our parents each said that they will give us 0 to pay for our 1st months bills free and clear as long as I finish school , so 00 cash total.)
7)Do this for 5 years while putting the released funds from the secured loan in a separate saving account at the end of each year for a house down payment(,000 plus interest)
8)Now 1 year after we set this up we will have 2 children, 1 will be 6 the other will be almost a 1.I will be finished with my G.E.D. education, Already started college( I found out the you can still get grants if you file for bankruptcy, they even have grants for people and student who have filed for bankruptcy,so my friend was wrong.)So now I can start saving for my children college,I chose the Gerber Life College Plan, I can pay 06.12 annually from my income taxes so that they will have a fair amount to get them started(I am only getting ,000 per child).
9)Still 1 year after plan started, use the some of the money form my taxes to open up a life insurance policy for the family, I chose 1 for 0,000 and is 2.09 a year(,000 per person).
10)Still 1 year after plan started, put the rest of our income taxes (about 07.68) every year for 4 year in our saving account for the house down payment(a total of 030.72 plus interest)

Ok so about 6 years into the plan we will have about ,000 in savings for a home, a credit score of at least 700 FISO (each), a good size life insurance policy for the family, a college graduate, A working college fund for our children, and an eye out for a modest home.

So my question is, Will my plan work if we stick to it? Oh yeah take in affect my hubby isn’t going to be unemployed forever and neither will I.

I’m a single mom with a six year old daughter. I have worked all my life and never depended on the welfare system. For the first time in my life after 25 years of being in the work force I can’t find a job that will work with my daughter’s visitation schedule with her father I am struggling trying to get any sort of help possible while living on credit cards which I’ll have to one day file bankruptcy when I max out. Anyone out there willing to help a single mother like me or know of an agency that can help? I worked in the mortgage industry/banking and even went back to school to study paralegal in hopes of finding a good paying job yet now I’m in more debt. If you don’t have any sort of a solution or ability to help out please I ask you kindly not to respond. I’m not looking for pity or any form of hurtful comment. Only if you’re willing to help guide me to an organization, government program or even if there’s an individual out there that’s willing to help. I need financial assistance to payoff my credit cards, go to court with an attorney, not by myself or I’ll lose to modify the visitation and find a
full-time job, with insurance. I have a verbally abusive ex-husband that has visitation with my daughter, I have to be home from work by 5:00 P.M. PST 2 days out of the week and every Friday I have to start work at 9:00 A.M., also 1st, 3rd and 5th weekends of the month on Fridays I need to be home from work by 5:00 P.M. so my ex-husband is able to pick up my daughter & practice his visitation rights!. I have asked him, to change his visitation hours so I can work and be home on time for the exchange but he has refused. Who is going to hire me in this economy if I have to ask the employer to accommodate me with my set hours and schedule!? I can’t go back to court because I don’t have anymore money to pay attorneys fees, but in my opinion my ex-husband has 2 attorney’s that have and will represent him in court for free because one is a family member and the other is a friend & in the pst they both have represented him in court. As for the rest of the time, I have someone who can watch my daughter after school while I’m at work but only until 5:00 P.M. but she will not to go through the exchange process. I need help or support, again to payoff my debts, find a job which will work with my schedule until I can go back to court and modify my visitation, that’s if the judge grants my request, or maybe there’s an attorney out there that will have mercy on me and represent me in court without charging to modify our visitation. I need to work and I need help.

Thank you

I’m in Texas, so other Texans opinions would help. I filed for bankruptcy almost a year ago and have been doing great making payments, but the mortgage company has decided to throw their hat in and even though payments were being made the trustee and judge saw fit to triple the amount I was already paying. I hear a lot of people filing for Chapter 7, but I haven’t heard of anyone finishing a Chapter 13. I have four more years on this and would be encouraged if anyone has a success story about finishing their Chapter 13 payments for the full term. I would appreciate if cynics kept their snide comments to themselves.

My salary falls beneath the means test but the bonus puts it over. Will I qualify for Ch 7 if I wait the 6 months so my bonus is out of that range?

Due to having cancer twice I cannot get life insurance. I am the father of three children under the age of five. With my student loan in excess of 0,000, any money that I would be able to save for my children instead goes to paying off my monthly student loans. I have taken all the forbearances I can and cannot consolidate to any lower monthly payments. I filed for bankruptcy in 1999 after my second bout with cancer as I was unable to work during my treatments and was told student loans could no be filed under bankruptcy.

If there are any grants, organizations or philanthropists that could help a two time cancer survivor pay off his student loan, I would then be able to start saving for my children’s future since I am unable to get a life insurance policy due to my cancer history. I would be eternally thankful for any resources that I can work with to help me with this hardship. Thank you.

Dear president Bush, I am30 years old been in serving in a little church that had lots of rules since I was 16 I have worked since I was 15 and have tried everything like college for 5 years or more and food industry along with sales fetting no where financially I admit I am a little slow with comprehending paperwork things Ifinally found nails to be the career I want to keep but for 7 yrs pursuing it things came up I started in a salon ,no walkins,1and a half yrs later filed bankruptcy after having a level credit got another job before filing to avoid banckruptcy.then tried again then my brother won full custody of his kid and wanted my help so I quit dong nails went back into teaching which i dislike and for my church under min.wage across town 6 days a week and raised her for 6 months got credit cards to pay gas,her toys and clothes food etc cause she came with none, found out my brother was doing drugs gave her back went back into nails in which the owners sold the salon to a new boss who fired me when I dislocated my kneecap and tore ligaments in which i am awaiting surgery,and cant get unemployment cause it was cash pay and ssi says i didnt put into it wheres the $i have worked for since i was 15 before i did nails.I cant get medical cause Im 30 without kids.My dad has helped me here and there I lived in a trailor by myself I have never depended on men to treat me cause of the raising in that church I wish I did have a kid so I could get help but Im always last on the list or not on the list at all .Ido have a major gift to sing and thats sbout it could you please help me Im still trying to build a clientelle doing nails unmarried with no insurance and in debt bad please respond.Aside from the drama in my life Bush I think you are doing an awsome job and you continue to stand your ground stay with your godly morals and reject any foolishness the media saysthat is not of God i pray for u oftenthankyou anyway

Dear president Bush, I am30 years old been in serving in a little church that had lots of rules since I was 16 I have worked since I was 15 and have tried everything like college for 5 years or more and food industry along with sales fetting no where financially I admit I am a little slow with comprehending paperwork things Ifinally found nails to be the career I want to keep but for 7 yrs pursuing it things came up I started in a salon ,no walkins,1and a half yrs later filed bankruptcy after having a level credit got another job before filing to avoid banckruptcy.then tried again then my brother won full custody of his kid and wanted my help so I quit dong nails went back into teaching which i dislike and for my church under min.wage across town 6 days a week and raised her for 6 months got credit cards to pay gas,her toys and clothes food etc cause she came with none, found out my brother was doing drugs gave her back went back into nails in which the owners sold the salon to a new boss who fired me when I dislocated my kneecap and tore ligaments in which i am awaiting surgery,and cant get unemployment cause it was cash pay and ssi says i didnt put into it wheres the $i have worked for since i was 15 before i did nails.I cant get medical cause Im 30 without kids.My dad has helped me here and there I lived in a trailor by myself I have never depended on men to treat me cause of the raising in that church I wish I did have a kid so I could get help but Im always last on the list or not on the list at all .Ido have a major gift to sing and thats sbout it could you please help me Im still trying to build a clientelle doing nails unmarried with no insurance and in debt bad please respond.Aside from the drama in my life Bush I think you are doing an awsome job and you continue to stand your ground stay with your godly morals and reject any foolishness the media saysthat is not of God i pray for u oftenthankyou anyway