since i am filing and my income for 05-07 is under 10 grand a year (i am in ohio also) can my taxes be included in the bankruptcy? i am filing chapter 13.. if not what si the ebst way to go about paying these taxes that i cannot afford to pay. i owe roughly 5000. i know the irs has payment plans, but i know they also settle too. can you settle and get a payment plan?

i am very confused in this sort of thing.
for the second poster i cannot file chapter 7 becuase they will take my car and it is really my only asset.

My brother, 47, is going to see a lawyer about bankruptcy, chapter 13. Four years ago he went chapter 7. He has money problems. He is on his own. He lives in a different state, Minn, and has an 8 year old son that he has over every other week. He pays child support of 0 weekly. He tries to be a good dad to his troubled son. He works in printing at a plant in St. Paul with a rotating shift, and works hard earning /hr. He lives alone and pays 0 for rent. He lost his new car to the repo man, isn’t very good with his money and accrued ,000 in debts. He is being sued by a creditor whom he owes ,000. They offered to settle for ,000 with two payments of 0. He is paying off ,000 in back taxes at /month. He is thinking of filing for chapter 13 to pay off these debts and get back on his feet. He wants to get a part time job, but the odd rotating shift makes it hard for him to do so. He doesn’t have any support system, so what should he do?

For lack of a better term i was forced to take out a mortgage last year on my home that was paid for. The terms and percentages were awful but thats besides the point.

My income at the time was sufficent to pay my bills and the mortgage.

I ran a successful business for a little over two years until 4 months ago when things went downhill. My mortgage payment is more than most people make in my area in 2-3 paychecks and now im unemployed with a SMALL list of other monthly bills besides the mortgage. I do have about k in other unsecured debt from the business and other unsecured creditors from when i was young that i never took care of.

I have thought about bankruptcy, chapter 13 is a no-go mostly because i cant afford the mortgage payments now so why would i waste my time with a 13?Otherwise it could work,but otherwise i dont really need a bankruptcy if were not including the house mortgage because i could just set up monthly payments with my creditors at a small payment.
7 minutes ago – 3 days left to answer.
my monthly expenses are slim so im not worried about that.

My problem seems to stem from my home, i have about 40k worth of equity in a 117k home.

With that kind of equity, it really does not make sense to file a chapter 7 because in my state you lose all equity besides 5k no matter what.

It really doesnt make sense to do a 13 because as already stated i cant afford the payments now,much less the payments to all my creditors plus the mortgage.

And the only other options are selling, of which is not really an option because foreclosure has already been initiated.

Or a deed in lieu of foreclosure, but then im giving them all of my equity for "free" although the foreclosure would likely not show up on my credit report and i could begin to repair the other damage.It would be faster to do this than to wait 10 years for a BK to come off the credit or 7 years for a foreclosure to come off.

OR just let it be foreclosed on……thats not appealing at all ofcourse.
ADVICE?

I’ll make this quick. Do to some circumstances my wife and I fell behind on our mortgage. Our lender is countrywide. We have a 100% financed sub-prime loan with an 80/20 ARM and prepayment penalty. (A piece of trash loan I know, we know better now) Also there is another Lender…Franklin Credit which makes up the 20…We filed for bankruptcy in 2006 and have been making payments for two years now…due to the economy and a few unfortunate illnesses we were not able to stay current on our chapter 13 payments…so there was a motion filed by our trustee to close the bankruptcy unless we could become current by a certain time…..

When we contacted our lawyer he told us that we had three options…
1.bring the payments current(9,000.00) of course we don’t have that…
2.Let the bankruptcy go and hang on until foreclosure on our house starts then try to start another chapter 13….
3.Modify our current bankruptcy and pay them a fee to file this motion…go get chastised by a judge…and make our payments higher.
Oh I guess there were four options…4.convert to chapter 7….

At the time the bankruptcy was initiated there were no problems in making the payments….but then the bottom fell out…I am in transportation….my overtime was cut to 0….my wife has had a significant reduction in hours and I had a surgery that kept me out of work for two months…all of this has led to the fall behind…..

Ok so I have two questions relating to this situation…..

1. Can/Should I try to refinance the loans during the bankruptcy…The mortgage payments are made through the trustee….but we still get statements from countrywide….our current statement is 3000.00 a month UNBELIEVABLE…..If we can’t refinance there is no way we can afford this ridiculous arm after the bankruptcy…

2.Will president Obamas new plan help us during bankruptcy…we don’t know what to do…stay here pumping money into bk13 that was primarily done to save our home that we may not be able to keep after the bk….or convert to chapter 7…let it all go…uproot our family and start over…or possibly get some help from Obamas new plan.

We need guidance…we are good people with good jobs…good family…and good morals…we were admittantly irresponsible in money management…we own our part and we have drastically changed our lifestyle….but we were also taken advantage of as first time homebuyers so we want them to own thier part as well….

Please anyone who can give advice on my situtaion would be greatly appreciated…please don’t soilicit us…we are in trouble…our family is in trouble as many others…we need good soild,honest advice to get back on track…..Thank You.

Can I just file bankruptcy? My husband is an authorized user on one of my credit cards, he has never signed anything. Can I have his name removed from the account? Where can I find a means test online to see if I’m eligible for a Chapter 7? Any help would be awesome- thanks!

I have some debt from 12 or more years ago and I am filing a chapter 7. How do I locate these and is it necessary since they are so old?

I had a discharge in 02/06 and wanted to know how long after a chapter 7 discharge that the court Trustee, can request information or try to take away income tax returns etc?

A friend of mine is currently in a chapter 13. He needs to convert to a chapter 7 and was told he would have to submit a notice of conversion letter. We are in North Carolina and there are no forms that can be filled out. Does anyone know where he can obtain a sample notice of conversion letter? He just wants to get an idea of what he has to include on the letter he is writing. Thanks for your help!!

Were considering chapter 13 and I have been doing some research online. I read that we will have to have a meeting with creditors? All of ours is credit card debt. Do representatives from CC’s really show up? Seems like with the number of bankruptcies these days it would be hard for CCs to have all these meetings?? Please, has anyone gone through one of these meetings? What should I expect. We have not met with a lawyer yet. We are still in the planning stages. We’d like to file chapter 7 but don’t think we will qualify.

What is the difference between Chapter 7 and Chapter 13? My ex has about K in credit card bill she can no longer pay due to job loss. She has talked with a credit agency but simply can’t afford the monthly payments.

I’ve been looking at an informational site and couldn’t find anything that would answer this question plain and simple. For Chapter 7 it said you could keep clothes and furnishings and something else but it wasn’t house. It said everything of value had to be liquidated to pay the debts. For Chapter 13 it said something about mortgage, but it made it sound like it had to be paid off in 5 years, which I know for what my sister owes on her house, she’d only come close if they weren’t charging any interest during that time. If worse comes to worse for my sister and she ends up with her cars going into repossession and house into foreclosure, and she files bankruptcy, can she keep her house and one car, or would she have to sell them and start from rock bottom all over again?

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1 min ago 12.21. 2010:ETHICS I JUNGLE DEMOCRACIES ::DOUBLE STANDARDS OF ETHICS @MOST LEVELS OF DEMOCRACIES: EQUITIES
MAY BE SUBMERGED AS WRECKAGE OF CENTRY OLD tITANIC@ ATLANTIC OCEAN BED:::: we can thank god/s OF religions THAT,democrats lost control of US house of representatives. A rebel gop leader of weaker people VIZ THE REV DR KAMAL ROYrequest gop lead house to urgently convene a fULL FLOOR HEARING TO FIND FACTS ,HOW EASILY B H oBAMA & DEMOCATIC PARTY, USA AND/OR NATIONAL COMMITTEEDID COVER UP ISSUE OF CIZENSHIP OF BH OBAMA S ON 1.20.2OO9 FOR MANY VIOLATIONS OF LAS OF U S CITIZENSHIP,INCLUDING FACT THAT AS ADULT HE ABUSED US PASSPORT AS CITIZENSHIP LAWS WHILE OAMA, BH VISITED pAKISTAN IN 1981 , AND DURING SUCH TIME INDONESIA & USA HAD HAD NO DUAL CITIZENSHIP AGREEMENT. DR ROY ALLEGED THAT IF OBAMA HAD ANY US CITIZENHIP, HE DID LOSE IT AND HE DID NOT ACQUIRE IT.OBAMA BH, NOW FULLY ADULT & COMPETENT IN LAW, AS A LAW GRADUATE FROM HARVARD THAT HE WAS BORN OF A US WOMAN BELOW ADULTHOOD, 18 YRS OR LESS AGE AT THE TIME OF DELIVERY WITH AN ALIEN FATHER DID SKIP U S NATIONALITY LAWS TO SECURE U S CITIZENSHIP AT BIRTH. LAWS OF USA IN 1961 DID NOT ALLOW ALIEN(LAWFULLY) CHILD TO SECURE US CITIZENSHIP EVEN A MINOR WOMAN WAS OTHER OF BABY OBAMA. HOUSE UNDER GOP CONTROL MAY NOT EVADE ISSUE OF SOVEREIGNTY OF USA. oBMA COULD BE LAWFULLY BRITISH, OR KENYAN, MAY EVEN BE A FAKE KENYAN AS IN 1961 MOMBASA, AS NOT KENYA; HE COULD BE iNDONESIAN, HE IS SURE NOT BORN OUTSIDE PLANET EARTH. ABOVEDR ROY WAS A LAWFUL AND F E C WASHINGTON DC REGD CANDIDATE OF U S pRESIDENT , REG ON SEPT 27. 2007, HE WAS AUTHORIZED AS A CANDIDATE OF U S PRES. NOV 4, 2008 ELEC TO FILE ELECTION PETITION TO VOID ELECTORAL GRIEVANCES ON FRAUD OF CANDIDATES% QUESIONABLE CONDUCTS OF A CANDIDATE. B H oBAMA’S BIRTH ND CONTINUES U S CITIZENSHIP IN USA,IF HE HADANY, WERE LAWFULLY RAISED , BUT ISSUES WERE DECLINED FOR GROUND TO VOID IT ON BEHALF OF POWERFULS IN USA. lAWS R LAWS IN USA BEYOND THE CONDUCTS OF POWERFULS. tHE usa ATTORNEY GENERAL,N

We are going to file for Chapter 7 this December. I was curious how many months they usually want to see. Most places I read it is 3 months. I am hoping it is 3 months because we were not expecting to file until now and our statements might look bad any further that 6 months back.
The reason we have to wait till December is that my husband had a previous bankruptcy before I met him. The lawyer told us to wait. We are not paying our credit cards because we can’t afford it.

My case is not actually filed yet because my Att. fees are not yet paid in full. I cut up all credit cards on the day I went in for a consult. I did not charge anything after that day but I have and did I shop with my debit card. I now only buy the absolute necessities. I may not qualify for Chapter 7 because I still have between 0-0 left over after all expenses at end of month so may need to file for Chapter 13. This left over money (all of it) would go to pay my reorganized debt, but if any emergency were to happen I don’t know what I would do. My doctor just took me out of work for a month due to excess strss/anxiety/fatigue. So now I’ll miss a month’s salary. This medical situation is not a shocker, it’s been a bomb waiting to explode for a long time and it finally happened – mostly because of work related stress. (I am a single 30 year old Flight Attendant) I do not know what to do at this point in regards to my financial situation. It seems to be a downward spiral. HELP!

I want to get this Harley Davidson on a payment plan, but also to rebuild my credit rating. Can I go out now right after my recent Chapter 7 discharge of Debts and purchase this motorcycle. Will I get into any trouble with the Court, trustee or the creditors. Am I allowed to do this or I have to wait a while before I make any major purchases.

A few years ago I settled a debt with a credit card company and I had to claim the part of the debt that was forgiven as income. Now here it is about 8 years later and I am having to file chapter 7, with all the K in unsecured debt that I have, will I have to claim this as income too?

there is a medical LLC that is filling chapter 7 can you tell me the benefits of this move. and are ther any real negative implications afterwards? to me it seems like people/companies can file for chapter 7 and than start a new business doing the same old thing and not get into any real trouble. is this true?

I filed a Chapter 7 in June 2007, with intent to reaffirm 2 both vehicles. After the discharge came back on August 20, the creditor has billed me for one and contacted me regarding it, and I’ve made it current. The second, they’ve never billed and when I’ve contacted then today, October 29, they told me that that account is showing as part of the discharged bankruptcy, and not as being reaffirmed. My question is, what does that mean as far as that vehicle is concerned. Has it been written off, as it was never contested by the creditor? There was never a billing sent for it, a call made about it, or the ability to make a payment through them online for it (unlike the first vehicle).

I filed for a chapter 7 five years ago and I was wonder how long I had to wait if I wanted to file again?

What will happen after I meet with an attorneyto file chapter 7. How long does the process take.