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.

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?

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.

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

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I need some advice please… Should I leave my husband?
I have been married for almost 6 years. Im 24 and he is 26. We have two young daughters: 3 & 5. The whole time we have been married he has cheated, numerous of times and the worst part is once it was with my sister for 8 months. and the last time was last August a weekend fling and the other woman lied and claimed she was pregnant and wasnt… He also is very abusive, mental..physical..and verbal… mainly the verbal and thats practically an every day thing… calling me every name in the book… even at times infront of our children… I love him. but not inlove.. theres a huge difference… We married young and we have even talked about divorce several of times and that we would be better off as friends… but for some reason we keep holding on… We just moved from SDakota to FL in november and I am alone here with no family.. Just his… We are staying with his dad and its a night mare… I feel so unwanted. and as if Im an outcast… (im white and he is Jamaican) so a huge cultural difference there… His dad doesnt really like me and I can tell by his actions…

I cry every day almost because I want out and cant stand being mistreated.. I have an opportunity to leave without him knowing next month… but I need to wait til after we file bankruptcy.. (long story)

I have recently begun to talk to a guy I met 8 years ago… he recently divorced a year ago and also has 2 children same ages as mine… We want to be together and we have so much in common… He knows my circumstances and wants me out.. says its not a good situation for my kids and I.. and we both are developing feelings for each other… He is willing to fly down here from SD. and bring us back home… he says im a dream come true… and wants us to be a family and treat me with the respect that I and the kids deserve… and I trust him… The only thing that Im scared of is leaving… its a huge change… and I know Ill be happy and safer…. My whole family wants me back home because they have seen the bruises on me before.. and heard the stories… also my husband was in jail last year for choking me and beating up my 19 yr old brother…. my brother steped in as he was choking me… and it was a mess…

like I said I still love him at times… but its not inlove feelings… I look at my husband with anger and pain and 90% of me wants out… I need some advice PLEASE!!!!!!

Also like I said before Im waiting to file bankruptcy… we are in the process of foreclosure in SD. and have delinquent/charged off credit cards, and medical bills.. and a repoed car from January… He has messed up my life… If I knew I would be ok to wait and file bankruptcy at a later date I would leave ASAP… but I have a judgement against me on a medical bill… so I think the smart thing would be to stay here and wait it out til after bankruptcy….

I WANT TRUE ADVICE!!! and please no degrading me… I hear it everyday from him and cant take it anymore…. SO PLEASE HELP ME!

Sorry for being long.

I got married late in life. I was 34 and she was 27. We couldn’t have kids for some reason so we eventually adopted 4 kids. They are now 10, 8, 7, and 6. Things went pretty good in our marriage till we adopted the last 2 they are biological brother and sister. My ex never wanted to adopt them. She claims I forced her to adopt them. She found out she could still get money each month for these kids because they have emotional problems. She started to be I would say to the point of emotional abuse with them. She finally kicked me out of the house after a fight because I would not punish them the way she wanted them to be punished.

I moves in with my mother who was dying and took care of her till she died. I ended up started therapy and anti depressant. Paxill. It’s been 2 years now and the divorce is finally finalized. I inherited all the credit card debt ,000. My attorney cost me ,000. I still owe him ,000. I will haveto file for bankruptcy.

In the meantime. I work in a hospital my boss and I got into it he wanted me fired. I ended up switching departments and started working the graveyard shift. Part of the divorce I got the kids 35% of the time. My ex wanted me to have them only 10% so I got a pretty good time with them.

My ex still treats the youngest 2 different. Never hugs them or tells them they are loved which she does with the older 2. She also has told them to there face that the girl will be pregnant by the time she’s 15 and the boy will be in a group home by the time he’s 12.

I moved into a condominium 1/2 mile away from the kids. I am renting it. It’s the cheapest place in town. With rent, child support, utilities , phone and car payment(my credit is ruined can’t get another car). With that going out I have no money even for food. Easy solution would be get a second job. I am 17 months away from retiring from the hospital. Last week I was rushed to the emergency room with a perferated colon. Stayed in the hospital for 5 days. They may haveto operate when the colon heals. My ex wouldn’t bring the kids up to see me or give me a call. My boss is being very good to me. I have been calling into work 2-3 times a month for the last 2 months. She is moving me to the afternoon shift next week that way if I need time off work there are more people to cover. Right now I am still very weak I will probably haveto go back part time. There is no way right now to get a part time job. In the meantime I contacted my ex since my visitation hasto change she has agreed to only 1/2 the amount that I used to have with the kids. Meaning 78 hours a month less. I have my attorney helping me with that.

My kids are my entire life. I can’t cope when they are not with me. About a month ago I was to the point of suicide. I know I wouldn’t do it for the kids sake. They changed my depression meds to celexa now. My siblings are mad at me because they want me to let my ex take 100% custody. So I don’t even have them backing me up.

I have so much crap going on and whenever I say it can’t get worse it does. How can I stay above water and not sink. I am to my breaking point again.

Since Border’s just filed for bankruptcy and will be closing all it’s stores, would it be stupid to buy their eReader, the Kobo? I take it that the online bookstore would be close too, right? So after it’s shut down, I wouldn’t be able to put books on it any more?

I was seriously considering the Kobo touch.
That wasn’t the question…

I can’t open bank account because I filed bankruptcy. The banks will not accept because of that. I have been looking for alternatives and while googling I found a thing known as "online account". They say that to open online checking account, i make opening deposit with credit card. Whatever I pay with credit card is my online bank balance. And that then they will mail me checkbook to my house. For depositing check, they said I should scan and email them the check I want to deposit. And that they will use those scans to process the deposit. They say they will also send visa check card through mail, and it can be used at any ATM. Is this scam or real? The online check account site says initial deposit must be 500 dollars using credit card or western union. Is this real or scam?
Also that I should scan and email copy of my social security and driver license for opening of account

OK here is my problem, I have so many bills that I cannot possibly pay all of them off. I have a ton of old medical bills from back before I had insurance, and I have some more current ones as well, I can’t afford to pay them. I’m pretty sure these bills would add up to probably over ,000 total. I had an auto repossession in 2003 which shows as a charge off for 00 something, I have 3 credit cards that are pretty much close to the limit if not at it already, totaling close to 00. I have an online store account that I owe 0 some dollars on. I have gotten myself in a bind, and I need advice from someone who has been there. I pay on all of the charge cards, the online store, my current truck payment, gas/and or upkeep, rent, insurance, household items, i chip in on utility payments, and groceries, phone bill, and whatever else comes up, and I just cannot afford to put out any more. My main question is what does it take to qualify for bankruptcy eligibility? I pay an auto loan, but the loan is in my fathers name since he got the truck for me, so that will not show as outgoing in my name, how do I get around that? I pay rent where I live, but it is to my boyfriend, so i have no proof per say on paper. Please help, I feel like I’m in a tunnel and I can’t get out. Serious answers only please.
If it would be better for you, you may email me, click on the email or send to johnson.april86@yahoo.com Thank you

I am tired of collection companies and interest rates.What happens if you just don’t pay anything and just don´t go for Bankruptcy.?? Is it going to clear from my credit score one day or is it going to keep follow me after I die.???
Can you please someone explain to me?, what happens if you just do nothing. Is it end of the world.?
When you pay on time you are a good person, once you miss one payment you are in the Black List. Is it fair?
I don´t want to live according to some numbers anymore.
Am I not qualified to have anything I want because I don´t have a Good Credit Score.
Am I not qualified to live very simple life because I have a low numbers.
Who decides this?

My other house went to foreclosure and now the mortgage insurance company is suing me for 0,000. I don’t want to file for bankruptcy, but do I have to?

I have a homestead on my home. I’m retired and living on a pension and barely make ends meet (I know I will have to find a part-time job soon after the little bit of cash I have runs out). I don’t have anymore money in the bank except for my pension, no stocks, I took money from my life insurance policy which I already spent, no other properties, no jewelry, and I drive a 17-year old car. I do have money in my 401k and IRA, which people tell me they cannot touch. I know I can’t go to jail. What can they take from me or do to me, legally? Any advice is very much appreciated. Thanks.

I filed for Chapter 13 in November 2009. I now cannot afford to make the payments even though it is taken out of my paycheck biweekly. Is it a good idea to cancel my bankruptcy? If so, what will happen from there.

I sold my car last year to someone for 00. He gave me 0 up front and we drew up a contract stating that the rest would be due no later than December 6th, 2010. When the time came, after many missed emails and calls he told me the car was in the shop and that he couldn’t pay it right then. After a great amount of emails and calls that went unanswered, I showed up at his house and asked his mom if he was there. He told me he had to file for bankruptcy and his lawyer told him not to say anything to anyone. He told me the car "had been taken" and told me to talk to his lawyer about it. After trying to leave a message at his office three times, the secretary got fed up and told me that there probably wasn’t anything that they could do for me and that I was named in the papers but they didn’t have the car and they have no idea who has the car. After this, I decided to do a bit of snooping online and have enough evidence to show that he still has the car and is even in fact trying to sell it online. He won’t respond to calls and keeps redirecting me to his lawyer. His lawyer answered the phone today surprisingly and told me that I was named as an unsecured creditor and that my pitfall was in not declaring a lien on the car when I drew up the contract. I asked him
‘If I were to go to his house and ask for the car back, would he have to give it to me?’
‘Bear in mind that he is my client and everything I say will be in his argument, but no, he has a right to the car because you gave him the title after signing the contract.’

I tried to contact a lawyer but he said he’d charge me 0 for a consultation.

I told the kid I’d need the money by the end of December so I knew I was going to be able to afford taking summer classes this year. Now I’m broke and can’t afford summer classes and might even
have to graduate late..this guy is ruining my life.

What should I do?

I have been divroce since January 2009 and at the divorce I agreed that I would pay half of all debt we shared up to the day of Jan1 2009. Now my ex has yet to try and pay any of these things off (they are all in his name) and has let the interest ski rocket on tons of unpaid credit cards. He is trying to get me to pay the amount owed now. I am sure I should only have to pay the amount owed on jan1,2009 correct? Well he is now trying to file for bankruptcy and he wants to file a chapter 7, and if not he wants to file a chapter 13. I honestly do not want to file bankruptcy… i may possibly be getting settlement money and will be able to pay off any debt I owe. He states in the email he wrote me that it would be smart of me to file a chapter7 or not go against him at all… what does that mean exactly? Go against him? Does that mean refusing to file bankruptcy? I am not aware how this works and would love some info! Thanks
I guess the issue is that there is one card with my name on it as well. Now would I be able to not pay the interest that has built up do to not being able to contact the credit card company because my name is not on the cards? How can i be held responisble if I am unable to pay someone due to the name on the account? He states that if he files a chapter 13 that we will BOTH be responsible for the bankruptcy. I do not want to wait the 7 years to cont. with my life… Now since my name is on one of the cards will him filing affect me in anyway?

I know that I hear this threat a lot, but I am a receptionist. I plan to stay with the company I am at for as long as they will have me. If I ever do need to find another position, it will most likely be as a receptionist as well. To become a receptionist, will bankruptcy really affect my chances of finding a job in this field? Thanks!