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

I would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it actually stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?
it’s medical billings idiot i never borrowed money. It’s people like you that didn’t want obama to pass the free health care bill!

I would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it acutally stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?

Ok 2 million people a year going bankrupt from being wiped out by medical bills.

3/4 of those people that go bankrupt were insured before the illness took place. My point is, the insurance now does very very little to protect against a serious illness like cancer.

I dont get it, why are people so stupid? You might be happy with the insurance you have now, but wait till the illness gets expensive… they either cheat you out of the coverage or jack the rates so high that you cant pay.

Do you really think insurance companies are going to cancel your insurance if you go to the doctor for a common cold with a 0 bill? They wait till it gets expensive and then screw you over, even though its likely they could cheat you out of the 0 bill, they wont do it to everyone because they dont want YOU to know about how they really are.

My god just watch Sicko or look up the stats yourself online…

Why cant we just have more sympathy? Obama isnt the answer, he is a lying chicago politician who got put into power by the FED/banks/AIG. When Obama tells millions of people that we can get the "public option", it is just smoke and mirrors. His public option isnt going to get passed, he is just pretending to try knowing full well that it cant be funded or implemented.

Sadly, he isnt going up against the insurance companies. In 1 FOUL SWOOP of Obamas pen, he couldve made it so that importations of medicine from Canada and other countries would become legal again (some medications can cost 800x more then their ingredient value in the USA), but has he done this yet?…. Why hasnt he done this?….

The american bankruptcies will continue and rise as expected. Until we get something like that of Canada or France’s system, we are going to be caughing up all our money to hospitals.

Nothing has changed, Obama isnt going to help, its up to everyone here to get it done!

Ok 2 million people a year going bankrupt from being wiped out by medical bills.

3/4 of those people that go bankrupt were insured before the illness took place. My point is, the insurance now does very very little to protect against a serious illness like cancer.

I dont get it, why are people so stupid? You might be happy with the insurance you have now, but wait till the illness gets expensive… they either cheat you out of the coverage or jack the rates so high that you cant pay.

Do you really think insurance companies are going to cancel your insurance if you go to the doctor for a common cold with a 0 bill? They wait till it gets expensive and then screw you over, even though its likely they could cheat you out of the 0 bill, they wont do it to everyone because they dont want YOU to know about how they really are.

My god just watch Sicko or look up the stats yourself online…

Why cant we just have more sympathy? Obama isnt the answer, he is a lying chicago politician who got put into power by the FED/banks/AIG. When Obama tells millions of people that we can get the "public option", it is just smoke and mirrors. His public option isnt going to get passed, he is just pretending to try knowing full well that it cant be funded or implemented.

Sadly, he isnt going up against the insurance companies. In 1 FOUL SWOOP of Obamas pen, he couldve made it so that importations of medicine from Canada and other countries would become legal again (some medications can cost 800x more then their ingredient value in the USA), but has he done this yet?…. Why hasnt he done this?….

The american bankruptcies will continue and rise as expected. Until we get something like that of Canada or France’s system, we are going to be caughing up all our money to hospitals.

Nothing has changed, Obama isnt going to help, its up to everyone here to get it done!

Ok 2 million people a year going bankrupt from being wiped out by medical bills.

3/4 of those people that go bankrupt were insured before the illness took place. My point is, the insurance now does very very little to protect against a serious illness like cancer.

I dont get it, why are people so stupid? You might be happy with the insurance you have now, but wait till the illness gets expensive… they either cheat you out of the coverage or jack the rates so high that you cant pay.

Do you really think insurance companies are going to cancel your insurance if you go to the doctor for a common cold with a 0 bill? They wait till it gets expensive and then screw you over, even though its likely they could cheat you out of the 0 bill, they wont do it to everyone because they dont want YOU to know about how they really are.

My god just watch Sicko or look up the stats yourself online…

Why cant we just have more sympathy? Obama isnt the answer, he is a lying chicago politician who got put into power by the FED/banks/AIG. When Obama tells millions of people that we can get the "public option", it is just smoke and mirrors. His public option isnt going to get passed, he is just pretending to try knowing full well that it cant be funded or implemented.

Sadly, he isnt going up against the insurance companies. In 1 FOUL SWOOP of Obamas pen, he couldve made it so that importations of medicine from Canada and other countries would become legal again (some medications can cost 800x more then their ingredient value in the USA), but has he done this yet?…. Why hasnt he done this?….

The american bankruptcies will continue and rise as expected. Until we get something like that of Canada or France’s system, we are going to be caughing up all our money to hospitals.

Nothing has changed, Obama isnt going to help, its up to everyone here to get it done!

I just got divorced and I have two questions for people with bankruptcy experience. Our divorce was by agreement (through lawyers) so we never got to see the judge. The debt declared by both of us was split in half. Basically, I pay these collection companies and you pay these collection companies type of deal. Now I’m ready to file for bankruptcy and have the following questions:

1. My ex-wife didn’t declare all her debts in the divorce papers. I recently found that out on my own. She is a very dishonest person and had a secret life during our marriage. I guess she didn’t disclose everything on the papers as she was afraid she could lose custody of our child when all the nasty details of the affair, hotel payments, etc. came afloat. Without getting into "you can sue her" for lying on the papers or "contact an attorney", how can I find out all her debt so I can get it discharged? She won’t tell me about it. I have my 3 year old daughter’s social security (for medical debt inquiries, etc.) and I know my ex’s too (using hers for debt inquiries could be illegal I think). My initial thought was to start calling collection companies around, Sears, Check into cash, Banks, Walmart (she did some nasty s. once and Walmart was sending "you owe me money" letters, etc. ) with her social security but that’s illegal I think. How can I find out all her debt? I don’t want any surprises after I file for bankruptcy. I appreciate it if you don’t give me "Ask a bankruptcy lawyer" type of answers. I just need some answers now from people that might have gone thru this or have experience dealing with bankruptcy matters.

2. We were separated for almost 2 years before the divorce. I kicked her out of the house so it wasn’t legal separation. In the creditor’s eyes, is the NEW debt she incurred after our separation but before our divorce considered my debt too?

3. In the eyes of the creditors, is the debt she incurred during our marriage, SOLELY IN HER NAME (her credit card, some loans she received, etc.), considered my debt too? Obviously she had a secret life and I didn’t sign most of her agreements. I didn’t have any clue about her dealings.

4. As I said before, the declared debt was split in half on the divorce papers. I’m filling for bankruptcy now to discharge my part of the debt. Could my ex-wife have any legal grounds to go after me for not paying my part of the debt as there is no doubt the creditors will go after her? By filling for bankruptcy, to most rational people it would mean taking care of my debt. I could be wrong.

5. Divorce question. Am I divorced? It’s been 6 months already and I haven’t heard from the courts? Is our lawyers sending the divorce agreement papers to the courts considered being "DIVORCED" or do I have to wait for some certification of divorce from the judge? I was supposed to go for a final "optional" appointment with the lawyer to get answers to my questions but I just dropped the whole thing (too much $$$$$$$$$$$$$)!!!!!

The more answers the better. Thanks guys!
Sorry, the state is Oregon. Please no "Call attorney" answers. Just answer if you know the answers to my questions. Thanks.

Where can I find a loan with poor credit rating? I have a loan with a lender, but, it’s at such a high interest rate and need to get my payments cut. Banks don’t want to talk to me. (No Nigerian lenders, please). I’ve tried Prosper (have a current listing), but no bites, yet. I’m already working 2 jobs and do not want to file for bankruptcy. Divorce has put me in dire straits. Is there ANYONE out there that can help? I myself actually prefer the online best payday loan lenders but i dont know what site I should do the search. Can you help? Thanks

Hunter Biden, Joe Biden’s son consulted for five years as an expert on these very same issues at a time of enormous expansion in online banking." Hunter Biden was receiving consulting payments from MBNA, he also was a Washington lobbyist at a firm he had personally co-founded. Here’s that story.

http://news.yahoo.com/s//ap/20080825/ap_on_el_pr/biden_mbna

Arienna Huffington called Joe Biden’s voting for the bankruptcy law favoring banks immoral. Here’s that story. http://www.huffingtonpost.com/jackson-williams/joe-biden-true-friend-of_b_120776.html Here are two videos about Obama’s numerous connections to Fannie-Mae.

http://noquarterusa.net/blog/2008/09/20/obama-hearts-fannie-mae/

Where can I find a loan with poor credit rating? I have a loan with a lender, but, it’s at such a high interest rate and need to get my payments cut. Banks don’t want to talk to me. (No Nigerian lenders, please). I’ve tried Prosper (have a current listing), but no bites, yet. I’m already working 2 jobs and do not want to file for bankruptcy. Divorce has put me in dire straits. Is there ANYONE out there that can help? I myself actually prefer online bad credit payday loans lenders but i dont know what site I should do the search. Can you help? Thanks

I live in a big town that has only Petco and Petsmart for pet shops. I have been seriously considering opening up a aquarium shop here. The town has about 50,000 people, with many small outlining towns that have 3000 in population each, in a 50 mile radius. There are two other aquarium shops about 40 miles away, and in the oldest one, the old man has gotten to old to care for it, and his tanks are always gross, and the fish are always dead, or sick. In the other aquarium shop, the man specializes in saltwater fish, so I feel like I really have an edge knowing freshwater fish extremely well.

My problem is, is that I am 21 years old, and I have no credit. I had some medical bills that put me into debt, but now that those are paid off, I am starting fresh. There are a lot of aquarium enthusiasts around here, and the hardest thing about this area is the fact that for both fish, and fish tank equipment, you have to go 5 hours to the big city to be able to get anything decent, or have any variety, or you have to order online, which makes things incredibly expensive. I also know that fish tanks cost a lot, but would it matter if I used pre-used fish tanks in my shop? Oh, and are there any types of banks that would give out small business loans for this? and in my situation? I don’t have any kind of savings, as my husband is going through bankruptcy, since he got foreclosed on a couple of years ago, so he would not be involved in this at all.

You say you can file, but get it dismissed and not actually go bankrupt? How do I do this?

Also, I AM in a judicial state with homestead which is Florida. You say you’d just demand the note. However, I’ve heard from all these Republican bank-loving idiots online say these banks have all the records and we commoners can’t really demand them anyway without an attorney. Is that true? If not, how can I do that now and just get out of this mess?

I once owned 5 properties and since I didn’t live in any of them one problem after another I couldn’t pay they were all foreclosed on. Now it’s been in the process ending all the foreclosures from one house to another for a year now. What a crazy mess I’m in. I had first and second mortgages and both of these properties. Do I still own them money if the house was taken away from me. I’ve called some the banks they said yes or transferred it to a colletion agency. I just called a law firm that repairs repairs credit to see if they an help and I’m planning on doing bankruptcy because I’m tried of this crazy mess of my life I just want it to go away. I think that I’m the only one crazy enough to be in this situation. All I want is to own my home one day. Do I have to pay back those loans?

Here is my situation. I have aprox. 70k in credit card debt from personal stuff and buying stuff for my new business that I havent opened yet. I have a 5,000 mortgage on a house that is worth 0,000 at best. So my question is, will the banks take the stuff I have for my for my business to pay off the debt or can I "sell" it to my parents for 0. Will my debt be wiped clean? After bankruptcy I can open my business for a minimal cost and rent a house for the next few years till I build my credit up again. My credit score is a concern, but not as much since I will be bringing in a salery of 40-50k per year, have low living cost, and hopefully enough money in the bank in 5 years to pay cash for a new house. I just need a clean slate.

I make my payments on time every month to my cards, but wont be able to soon.
I have reached out to my 2 credit cards numerous times telling them I may file for bankruptcy and they wont get anything, and asking for them to lower interest rate so I can make my monthly payments and actually see my balance go down instead of mostly toward interest. I was refused on any time of payment plan, settlement offer, or interest rate reduction.
NEXT: I spoke at length with Take Charge America, who will set me up on a 5 year payment plan (after the banks negotiate with THEM apparently), and I will pay off my full balance in 5 years, along with about k in interest and 00 or so in fees to the company. Cards will be closed.

OR: I use Credit Solutions and I default on my cards so they can negotiate with the banks on my behalf and present me with settlement amounts which could be half if not more of the balance! I pay them 0. for 18 months and my debts to cards is paid within 36 months, if not sooner, at almost k less than what I owed.

BUT: Credit solutions has many scary reviews online. I spoke at length with 2 of their reps and they explained the process to me and it sounds like garden variety debt settlement, so.. i dunno. Which company? Anyone have any experience with either?

I also just called the collection dept. of my cards again and told them all this, can THEY offer me a settlement or payment plan so that there are no 3rd parties and the bank gets their money. They said nope, sorry. So i am kind of backed into a corner of having to use one or the other

During a long period of underemployment and costly divorce, I accumulated about ,000 in credit card debt. My current income is 5,000 per year, I own a home with some equity that I can’t/don’t want to sell, and two vehicles outright. All in all, my assets are probably worth ,000 net mortgages, etc.

I was able to make the payments on my credit cards until all of the banks raised my rates to 30%, despite my paying on time and having a good credit score (735). At loan-shark rates, I have started falling behind each month and have burned through all of the cash I’d saved.

I could pay the balances back if they were at reasonable interest rates, but not at 30%. I don’t want to risk my home or vehicles, but I could care less about my credit score at this point because there’s no credit available to anyone anyway.

Would debt settlement be a better option than a Chapter 13 bankruptcy? If I did file a 13, would I be able to keep my vehicles?

We need to regulate how much the CEOs are making. Forget throwing money at the problem, let them fall into bankruptcy. the nation should not pay 1.1 trillion dollars for the mistakes of several companies which could restructure and rebuild during bankruptcy laws.

We need a flat rate income tax.

lower taxes for all classes

no taxes for income lower than 17,000.

STOP SPENDING

STOP regulating oil companies that way they can drill and build more refineries. **** u liberals oil companies are the experts not polticians. That will lower energy costs.

GET RID OF WELLFARE for young people. U get it only if you have a REAL reason for not being able to get a job.

SHRINK GOVERNMENT, which will lead to less spending and less taxes.

Lower capital gains

raise taxes on the rich by a small percent to help pay for deficits.
lower death tax

regulate helathcare costs slightly.

STOP regulating and forcing banks to give out the very sub-prime loans that killed us. We don’t have the right to houses.
Source(s):
REAGANOMICS, CLINTONOMICS
Deregulation was one of the main reasons for our fault. We need to self regulate OR have limited regulations… I’m not an ideologue…
Thanks for all your opinions. They are very helpful…

I make my payments on time every month to my cards, but wont be able to soon.
I have reached out to my 2 credit cards numerous times telling them I may file for bankruptcy and they wont get anything, and asking for them to lower interest rate so I can make my monthly payments and actually see my balance go down instead of mostly toward interest. I was refused on any time of payment plan, settlement offer, or interest rate reduction.
NEXT: I spoke at length with Take Charge America, who will set me up on a 5 year payment plan (after the banks negotiate with THEM apparently), and I will pay off my full balance in 5 years, along with about k in interest and 00 or so in fees to the company. Cards will be closed.

OR: I use Credit Solutions and I default on my cards so they can negotiate with the banks on my behalf and present me with settlement amounts which could be half if not more of the balance! I pay them 0. for 18 months and my debts to cards is paid within 36 months, if not sooner, at almost k less than what I owed.

BUT: Credit solutions has many scary reviews online. I spoke at length with 2 of their reps and they explained the process to me and it sounds like garden variety debt settlement, so.. i dunno. Which company? Anyone have any experience with either?

I also just called the collection dept. of my cards again and told them all this, can THEY offer me a settlement or payment plan so that there are no 3rd parties and the bank gets their money. They said nope, sorry. So i am kind of backed into a corner of having to use one or the other

I have bad credit, my score is about 500-525. I have been repaying my debt but that still doesn’t qualify me for a loan with my local banks. I am getting married in exactly 2 months and have no fund available to pay off caterer’s etc. I have a vehicle with a wholesale value of 00 as per what my bank told me, I can use that as collateral. I’m needing a 00-00 loan, I can afford the monthly payments, that’s not a problem.

If there is anyone, anything, anyhow I can get a loan, secured or not, I’d greatly appreciate the advice.

P.S. I have no bankruptcies or Judgments on my credit. Just charged off accts to collection agencies I am paying off.

I am considering filing chapter 7 bankruptcy. I have 3 major credit cards, all of which have been charged off and added up have a balance of roughly 20k with interest and attorney fees. I also have some other random bills which have gone to collection: cell phone, utility bills, medical bills, etc, that add up to about 3k. I also owe about 10k in back taxes to the IRS, which I’m not sure if this could be included in the bankruptcy? I have made some mistakes in the past, living beyond my means and am much more educated and mature now and would like to get my life and credit built back up.

1. Is bankruptcy a good idea for me?
2. Can taxes be included in a bankruptcy?
3. How long does it take to get my credit built up to say a 650-700 credit score after a BK and are banks willing to give you a loan if they see you have a bankruptcy, even if your credit score is good now?

I worked for a mortgage company in 2003 and we would give someone a loan the next day after a BK discharge. I know things have changed but any insight in today’s credit market and how a BK is viewed by creditors in 2009 would be very helpful. Thanks