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

In 2006, my husband and I filed chapter 13 bankruptcy. We were living to next to nothing during that period. I had to quit my job as a nurse aide because of a shoulder injury so that impacted our budget pretty hard. We paid all of our bills on time and still had a little money left over. In April 2007, our plan was confirmed and we had no debt except the court payments and regular bills. July 2007 we moved from a rental unit to an apartment which was much closer to my husband’s job. Gas was close to a gallon and the transportation costs were sky high. We always had problems receiving our mail at our old unit. We received other resident’s mail and vice versa.
I was concerned the first few months at living at our current address because we received very little mail. I finally contacted all of my utility companies and car insurance only to find out that all of my mail was being mailed back to them. I managed to clear up the mess, but important bills were now a few months late and we had to make payment arrangements with all the companies involved. We had two catalog companies that I bought my clothes through sometimes and had a small line of credit with them. I paid all of these companies off eventually.

In 2009, we received a letter from a debt collector stating we had an open credit card. I asked them to verify the debt. I never received any letter back from them. They kept on sending out bills though but couldn’t verify the debt. I sent the letters to my bankruptcy attorney and the bills stopped. A few months passed, another collection agency, same debt. Same thing happened as the first. Six months later, another collection agency, same debt, same response. Never heard from any of these collection agencies again. I finally got fed up and put a fraud alert on our credit report. The alert was released in January, guess what a new collection agency contacted my attorney regarding the same old credit card. I talked to someone at our attorney general’s office, the fact that they don’t have our old address is suspicious because we never have taken out any credit cards since filing the chapter 13. This is why I’m suspecting ID theft. I checked my credit report just last Saturday and found another credit card that couldn’t be mine. So this makes 2 suspicious cards that probably aren’t ours because we never applied for any cards. What can you do to stop the possible ID theft credit card from being acquired by other junk or third party debt agencies? Has anyone else dealt with ID theft? We are currently under bankruptcy protection so I believe that no one can sue us. I did find out that the credit card holder wrote off this debt as a bad debt. We have never ever been contacted by the original creditor. Thanks
I just filed a complaint with the FTC about the credit issues. The counselor suggested contacting my local police and filing a police report with almost certain ID theft. You think it can’t happen to you! I had horrible credit and still someone managed to get credit off of my poor credit rating. I probably now will have to take steps to clear up the ID theft. I will never, never ever use credit cards again. Look what they’ve done to our country. Thank you for all of your answers.

I filed in March 2007 and expect my actual discharge letter in the mail any day now-wait, is that the mailman? My bankruptcy already shows up on my credit report and my credit score isn’t so terrible! Specifically, I want to know if its o.k. to start applying for ONE SINGLE credit card and a car loan. That’s it. I’m rebuilding my credit on those two things. Period. Thanks.

Im 19yrs old, i got two credit cards when i turned 18, one had a 2500 balance and the other had an 8000 dollar balance. and for the first few months i had 200 to 300 dollars in debt and i payed that off from month to month, i recently had my car take a shit, it would have coasted me 5000 dollars for the new engine, so i just bought a used car for 5000 on my credit card. then i was lost my job for a 2 months and i put on another 2000, between paying for rent, ex….. then other things started to come up where i didn’t have the money and needed to pay them. So now i have both cards maxed out. not sure what is best for me to do. I cant afford much over the minimum payments, im not sure if i should go with a debt help/consolidation thing, file a chapter 13 or 7 bankruptcy, i really don’t have many assets they can take. its just getting hard to pay the cards, and other expenses. If anyone has any information that might help me or any tips. it would be greatly appreciated. Thanks All.
i was making 2000 a month now because i lost my job and i found a new on im only making about 700 at a min. up to 1000.
Also i have have a credit score of 753. it was with the help of my mother. she had me on her credit cards sense i was 15. witch really busted my score once i got my own cards and started making payments.

Should I just charge it all on my credit card and then declare bankruptcy because I know I can’t pay them off.

Or should I just be like everyone else and take tons of loans I also couldn’t pay off.
I’m at the end of my rope here, I don’t make enough from my full time job to even pay for half a year of college, let alone two or possibly four.

I want to go into communications–media production, creative writing.

I’ve exhausted all colleges. Community colleges, online, etc. I’m in Michigan, and I wanted to go to GVSU, but there’s no way I can afford it. I don’t care which school I go to, a community college is fine with me.

I graduated two years ago and have been working since then, saving practically all of my money. But I don’t have enough saved up at all.
I don’t know how to look for scholarships and grants. All I’ve done is the FAFSA. Please, any advice would help.

okay, i need advice. im nearly 21 years old, and working at a fast food joint. i made a stupid decision when i was 18-19..got in a car accident with no insurance, and hit two different cars. each car insurance company was wanting 4500 from me, i had been paying 100 bucks a month to each company since this all happened. a medical injury bill came in from one of the companies, so instead of 4500, i owed 17,000. along with this accident, i have criminal fines i have to pay (did stupid things when i was younger) that total out to about 3-4500. i realize bankruptcy wont relieve me of my fines.

my mother also put me in debt with my debit card, making me owe 2000 dollars. so, im paying 300 bucks a month in the accident/credit card alone. plus 100 to one fine. and my wages are going to be garnished (25 percent) for a bit for another fine (i didnt know i had other fines that still needed to be paid..ive had a rough start in my life, i want nothing more than to pay these things off)

if i add all that up, thats 700 bucks a month total in debt. or aroud 400-500 after my wages arent garnished anymore. i make about 1,000 a month. im renting out a room in a house. i own nothing.

i saw a lawyer, he said it’d be a good idea to file because its better to do it while you’re young than older..because i dont have anything to lose, and i dont plan on buying a house anytime soon, or a brand new car (i prefer buying from craigslist)..so im thinking it might be a good idea to file. i know its a last resort, so im seeking advice from the more mature and wise. 100 bucks a month to a 17k debt..thats about 15-16 years of paying that. every month i call, they say if i miss a payment, then our agreement is over and ill owe it all. in 15 years, thats a lot of chance to miss a payment, or slip. also, the lawyer told me that having this unpaid debt over my head, for so long looks awful. and my credit may never be decent, until its actually paid off and clear.

the sooner i have this debt clear, the sooner i can put more money into my criminal debt, so i can wash my hands from that. i mean, i realize that 20-21k in debt isnt that much. but, in my situation..and given how much i can actually afford right now.. ill be stuck in the same puddle for a very long time, BARELY squeezing by..for years. atleast 2-3 maybe 4, which is when i’d expect to get most of my other debt off besides the 17k collection.

what do you think? i live in washington if it matters. also, i am thnking about going to a trade school and getting into the medical field..like being an xray tech or some sort.. i know bankruptcy would disable me from getting a job at a bank (well more than likely) for example..

Im only 24 and really want to buy a house, where can I go to get myself informed of all the steps I have to take. I checked my credit online and I have only two accounts which I already payed off. But my credit score is 541. I have no bankruptcy no credit card, the only reason why it was low is because I applied for credit card which I never got. Would I be able to buy a house, How much money do I need to have in my account. any answers would help thanks.

When I was 16 going on 17 my parents had lost their job and things were pretty hard. I didn’t know what to do I wasn’t making a lot from my job so I had decided to do one of the most craziest things and applied for credit card and personal loans using my SSN by pushing my age up by one year. I was able to keep the bills up but it cost me severely. I checked my credit today and at the age of 18 I am already ,000 in debt. I plan on going to a company here in Indiana called CCC were they talk about bankruptcy or consolidation. How long will it take to get out of debt and start rebuilding credit? What is the difference between bankruptcy and consolidation and which one is better? Please don’t lecture me I know what I did was wrong and I am already paying for it right now and don’t need criticized for it by people online. Just answer the question, thank you.

Filing for chapter 13, and I used a credit card after the filing, for groceries. After this I found out I am not supposed to use that credit card at all. I always paid it in full each month. I’m trying to save my house that is the only reason I’m filing. I make over 200k a year but my loan is killing me. Will the court think I’m screwing around? I mean it was for groceries….nothing else. I have since then stopped using it, but what’s the worse that could happen

My bankruptcy has been discharged for about 1 year. I got a Capital 1 credit card a few months ago. I was approved for a 0 limit and since I paid the TOTAL amount every month, they raised it to 0 after 3 months. I am still paying off the balance in FULL every month. I started checking my credit score online in December and the average of all the credit agencies was 618. In Jan in went up to 621, and its still 621 now (Feb). I only have the one credit card, which I am doing the right thing with… so why is my score not going up by much? I dont want to get a bunch of credit cards (its what messed up my credit to begin with). I did apply for a Best Buy card over the weekend, but was not approved. I am looking for a new car, and Carmax approved me with "no documentation required" for 11.65%. I dont know if having a car loan will help or hurt. Does anyone out there have more experience with this?
I filed for bankruptcy because I messed up my credit from 1998 to 2002 (age 18-22). I filed in 2007 and it was discharged in 2008. I tried my hardest to pay off my debt from 2002-2007, but was not making a dent in it due to fees, interest etc. I am not one of those people who took the easy way out. The only reason I got the 1 credit card was because I was told it would help with my score. Charging only what I know I can pay off in full each month should say something about me and the lessons I have learned.

I want to file Chapter 7 to totally get rid of my debt. The only problem is my spouse doesn’t agree with this, so I would have to file by myself. I have 5 credit cards in my maiden name and 1 credit card in my married name. My medical bills are in my married name. As far as my assets, my name is on the house but not on the mortgage. My name is also on the two cars that we own.

Can I file Chapter 7 bankruptcy without the cars and the house being affected? If I can’t file by myself then what else can I do?

If house is in foreclosure plus have a 2nd house. 1st mortgage and line of credit 2nd are current on one house, two mortgages on foreclosed house are behind, plus there’s a credit card in collections. Which bk is best option, in CA?
What is a super?

My husband and I would like to buy a home.
We know we don’t have the best credit, we both made mistakes when we were younger.
But no bankruptcies or repositions anything like that. All credit card late payments and such.

I’ve done some research online but there is just so much information!
Some of our friends have gotten mortgages that I know have to have bad credit.

What we need is someone that will sit down with us and tell us what exactly we need to do, in what order, to get approved.

Any suggestions?

My dh and I would like to take advantage of the housing market and try to buy a house soon. My credit is excellent but my dh had a bankruptcy about 3.5 years ago so we’re unsure what his score is even though he’s been getting some great credit card offers in the mail for a while now (some better than what I get!). Anyways, we don’t have any money saved up but are being told about 80/20 loans. How much money will we have to have saved up for closing costs, inspections and any other fees/costs that we have to pay for? I want to be fully prepared for this before I even submit my information for a pre-approval.

Also, what is the very first step for all of this? I know we need the pre-approval but where is the best place to go for this? Should we go to a bank, do it online (ex. lendingtree.com), find a mortgage broker?

What about first time home buyer programs? Should I find those before getting pre-approved?

Any and all advice will be appreciated as we don’t want to make any bad decisions.

(We live in south FL just in case that affects anything.)

Discharged from bankruptcy 8 months ago. For debt now I have student loans and 0 on one credit card. My credit score is low around 590-620. How much should I expect if any to get for a car loan? How much money down will I need? what will my loan finance rate be? What companies are the best to get a bad credit car loan? Any good online companies to use or just go to a dealer that specializes in bad credit loans? My income is around 00 a month before taxes and benefits etc.

We have a checking account, and also a car loan and credit card at the same bank. The credit card was included on our bankrutpcy but we reaffirmed the car loan. We also pay our car loan online through the checking account at the bank’s website. We filed in November and so far our checking account has been fine. Do you think because we reaffirmed the car loan and continue to pay it that we will be able to keep this checking account or will they try to close it irregardless?

I went online and viewed my credit report. I knew it would be low because I went through a bankruptcy about 4 years ago. I found out that I had several credit card sitting at a zero balance that I hadn’t used in years. I guess potential debt effect your credit negatively as well. But there are a few things on there that I don’t have a clue what they are. I think they were turned over to bill collectors and that’s why I don’t recognize the names…..one was "American Capital Ent.". I haven’t the foggiest what that is. How can I improve my credit score? It’s right at 600.

I want to buy a 2008 Suzuki Burgman 400cc scooter, (can’t use a motorcycle, leg problems). The bike costs about k. My credit score is 640 right now, which isn’t half bad. But on the other hand, I filed for chapter 7 bankruptcy in april 2009, which will probably affect my interest rate. I got a low balance credit card 6 months ago to help me rebuild my credit and credit score. Seems to be working (old score used to be 560).

Money is a bit tight though right now because I’m also trying to get myself a college degree. Did the idiot thing and dropped out years ago. I’m paying cash right now, but once I get my gpa back up to par, I can get financial help from fafsa. When that happens, I’ll need a vehicle. I do distance education at the moment, but some of the courses will unfortunately be on-campus. Also I’ve heard that even with D.E., some instructors still like you to come in for labs, lectures, etc once in a while. So I need something more reliable than having to borrow a vehicle off my friends and family. I think I can afford a cheap vehicle if I plan it just right. But I need to factor in the monthly payments and insurance costs first to decide whether I can really afford it.

On rough average, How much do you think the bike payments and insurance payments would run me per month?

I went to collections for 3,000 credit card had a lien Hold on my Car registration and now I cannot renew after a few months. I declared Chapter 7 Bankruptcy and got the discharge. I called the collections company and they told me that the lien hold will stay because I got it before I declared chapter 7. Please Help.. Will like more insight on this.

After being laid off a few months ago… and having lots of debt for having to keep a roof over my family’s head, the **** hit the fan. So… long story short:

I’ve got 4 credit cards with accumulated debt of ,000 (pretty much due to expensive but normal life events that happen, NOT excessive spending), and I’m gonna man-up and take the frigging negative hits, I want to get this over with, start the clock ticking, and start fresh in either 7 or 10 years.

I’m could file for bankruptcy, which will show up on my credit report for 10 years. OR, I could just let the credit cards sue me and have default judgments against me, which will fall off my credit report and disappear in 7 years.

No guesses please. If one is favored over the other, please explain. Don’t assume there are any extenuating circumstances, this is just general for now. Check back for my updates to your answers.

Also, I’m judgment proof/insolvent. {content} to my name, no savings, no assets, 0 car, no furniture, no property, no house.

Because of certain family members requiring full time assistance, they will be needing my care for a while. So basically, I’m not worried about having my wages garnished because I most like will not even have anything for the cards to grab for a long while.

Bonus question: Does anyone know for sure, once all the judgments fall OFF my credit report down the road, do the credit cards purge me from their system at some point, and can I get a credit card with them again with a normal credit limit? OR do they keep me in their system forever, and refuse to let me have a credit card with them again? I could see them going either way. I know what they would favor!