My father died a few days ago. I’m 19 going to college on a scholarship, with just a part time job at fedex. I have to handle everything that my father left behind. My mother simply doesnt know anything about anything.
My parents filed for chapter 13 bankruptcy, and my father owns land in colorado. And of course theres the other things that I have to deal with such as the mortgage, insurances, general bills, vehicles, etc.
Do I need a lawyer to help me sort out all of this? What would that cost me? Do they require a lump sum payment, before or after their service???
Any other advice would be much appriciated.
My father was a 30 year retired Air Force veteran. The funeral is virtually covered by the VA, I’m not worried about that. Its just everything else.

Hello, thanks for taking the time to read this. I’m a 14 year old male and I don’t know how my life is going to turn out at this point. I live with my mom and sister while my father passed away when I was only 4, since then my mother hasn’t remarried. My mother has a fairly decent job which barley makes enough to pay the mortgage while my sister who is 26 and still unmarried has unfortunately just lost her job last week due to bankruptcy and is currently looking for a job that makes a good amount of income. My family struggles to pay the mortgage each month with little leftover for new clothes or to afford a new car.

All the time I hear my mom fighting over the phone with my grandmother and her sister who don’t help us at all and always ask or need something from us when we don’t even have enough to even support ourselves. My mother seems stressed and very depressed these days and gets angry when my father comes to her mind. Most of my family has died out just leaving us and lots of cousins but, they don’t keep in touch and wouldn’t want to help us in anyway. I don’t know why it has to be like this… shouldn’t family stick together and help each other out?

We are planning to sell the house this month and down-grade as well as another reason is that the area around us is becoming less secure and more violent. It makes me feel bad that we have to always lose more and more and I can’t really do anything about it or do something useful for anyone. I constantly get yelled at each day as well as have very offensive language used towards me for not doing anything right or being of any use to them. I swear I can’t do anything right and when I get called stupid I really do feel stupid and worthless.

Then there’s school. I really dislike school a lot! I have no good friends I just hang around a group of people everyday until the day is over just making those fake smiles and laughs while I’m around them so they see I don’t feel left out or anything. My best friend moved far away 2 years ago and we don’t talk much anymore. I do get invited out once in a while by some of the people at school so it’s not really much of a issue to me that I haven’t found the right friend who likes me for who I am. I seem like a very timid person at first to a lot of people but after a while I start to become more interactive with them and more conversational. I have also lost my motivation to go to school each day, I just really hate it there and waking up each morning. My grades have been dropping to I have been getting B’s and C’s these days, and not really putting in any effort into my work.

My mother always wants me to be a successful and outgoing person but, I’m pretty sure she’s given up faith on me. She expects me to be a doctor or scientist, I’m not against it or anything but I don’t really want any of those career choices she brings up. Something I love to do myself is dance and do choreography I believe that I am really good at it, such as if I would watch a music video or performance for a certain song such as Lady GaGa, Britney Spears, Michael Jackson etc.. I can immediately copy and perform the choreography in the video and do it precisely and very accurately. I even watch other peoples tutorials to see if I did it right and I see that I have done it perfectly. I also love music extremely much and I write my own songs and I have had compliments on my work from people who barley even know me saying that I am an amazing songwriter. A lot of the songs I write aren’t about love there more of a dance/party and feel good about yourself type of song. I have told my mom multiple times that I want to become a choreographer or ball room dancer and she tells me that it’s useless , I’m not that talented, or I won’t ever make it. I don’t want to cause more problems and start an argument so I just walk away and feel really upset afterwards. It’s my vision and what if I want to follow it? I don’t care if nobody believes in me there’s still a chance I can make that vision a reality if I really dedicate myself to it. I don’t know what to do… Go against her decision because she doesn’t believe in me and just wait till im a little older and start taking classes and make it a career?

I wish I could grant everyone happiness and support them because in my life it seems to be all about the money and finding love to them. I feel bad that I don’t have a father or my sister doesn’t have a husband as well as I don’t have a male role model to look up to making me feel less of man. I’m starting to hate life so much and I’m sorry to everyone that I can’t help in anyway. I’m hoping things will change and get better after so many years of problems affecting my family , right now I may live but I don’t feel so alive. I feel like an idiot and that im not smart enough for anything. “How will I survive in my life?” I always ask myself every night. I don’t even want to talk to my mother or sister anymore There’s just

Just bear with me..
We got behind on our mortgage, and credit cards about a year ago, i lost my job, and my husband had his hours cut back. But now i have a job, and he has all his hours back, we are going to file bankruptcy, and we were going to do chapter 7. But if we do we will lose our home, because our mortgage is not current. And then we thought about filing chapter 13, the repayment plan. would that allow us to keep it? But im so scared we wouldnt be able to afford it.
What should we do…Should we lose the home, clear the debt, and just rent for a couple of years. Or should we file chapter 13, and try our best to stay afloat. We have a six year old, and one on the way…. PLease give me some advice, i have no one to talk to too. Thank you sooooo much!

Hello, thanks for taking the time to read this. I’m a 14 year old male and I don’t know how my life is going to turn out at this point. I live with my mom and sister while my father passed away when I was only 4, since then my mother hasn’t remarried. My mother has a fairly decent job which barley makes enough to pay the mortgage while my sister who is 26 and still unmarried has unfortunately just lost her job last week due to bankruptcy and is currently looking for a job that makes a good amount of income. My family struggles to pay the mortgage each month with little leftover for new clothes or to afford a new car.

All the time I hear my mom fighting over the phone with my grandmother and her sister who don’t help us at all and always ask or need something from us when we don’t even have enough to even support ourselves. My mother seems stressed and very depressed these days and gets angry when my father comes to her mind. Most of my family has died out just leaving us and lots of cousins but, they don’t keep in touch and wouldn’t want to help us in anyway. I don’t know why it has to be like this… shouldn’t family stick together and help each other out?

We are planning to sell the house this month and down-grade as well as another reason is that the area around us is becoming less secure and more violent. It makes me feel bad that we have to always lose more and more and I can’t really do anything about it or do something useful for anyone. I constantly get yelled at each day as well as have very offensive language used towards me for not doing anything right or being of any use to them. I swear I can’t do anything right and when I get called stupid I really do feel stupid and worthless.

Then there’s school. I really dislike school a lot! I have no good friends I just hang around a group of people everyday until the day is over just making those fake smiles and laughs while I’m around them so they see I don’t feel left out or anything. My best friend moved far away 2 years ago and we don’t talk much anymore. I do get invited out once in a while by some of the people at school so it’s not really much of a issue to me that I haven’t found the right friend who likes me for who I am. I seem like a very timid person at first to a lot of people but after a while I start to become more interactive with them and more conversational. I have also lost my motivation to go to school each day, I just really hate it there and waking up each morning. My grades have been dropping to I have been getting B’s and C’s these days, and not really putting in any effort into my work.

My mother always wants me to be a successful and outgoing person but, I’m pretty sure she’s given up faith on me. She expects me to be a doctor or scientist, I’m not against it or anything but I don’t really want any of those career choices she brings up. Something I love to do myself is dance and do choreography I believe that I am really good at it, such as if I would watch a music video or performance for a certain song such as Lady GaGa, Britney Spears, Michael Jackson etc.. I can immediately copy and perform the choreography in the video and do it precisely and very accurately. I even watch other peoples tutorials to see if I did it right and I see that I have done it perfectly. I also love music extremely much and I write my own songs and I have had compliments on my work from people who barley even know me saying that I am an amazing songwriter. A lot of the songs I write aren’t about love there more of a dance/party and feel good about yourself type of song. I have told my mom multiple times that I want to become a choreographer or ball room dancer and she tells me that it’s useless , I’m not that talented, or I won’t ever make it. I don’t want to cause more problems and start an argument so I just walk away and feel really upset afterwards. It’s my vision and what if I want to follow it? I don’t care if nobody believes in me there’s still a chance I can make that vision a reality if I really dedicate myself to it. I don’t know what to do… Go against her decision because she doesn’t believe in me and just wait till im a little older and start taking classes and make it a career?

I wish I could grant everyone happiness and support them because in my life it seems to be all about the money and finding love to them. I feel bad that I don’t have a father or my sister doesn’t have a husband as well as I don’t have a male role model to look up to making me feel less of man. I’m starting to hate life so much and I’m sorry to everyone that I can’t help in anyway. I’m hoping things will change and get better after so many years of problems affecting my family , right now I may live but I don’t feel so alive. I feel like an idiot and that im not smart enough for anything. “How will I survive in my life?” I always ask myself every night. I don’t even want to talk to my mother or sister anymore There’s j

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?

I’ll leave out the details but I am almost certainly going to file. Already spoken to 3 lawyers and picked one. Would like to hear from folks whov’e been through this in the past. I’m curious what "life is like" after it’s all said and done. Do you have regrets? I never in a million years thought I would be ever filing bankruptcy but I started a side business 6 years ago and it’s failed in this economy. And I’ve spent every penny I had saved up.

I’ve been told after it’s discharged, you will be able to get a loan to say, buy a car within 6 months? And a mortgage within a year? (I need to re-fil my home on the lower rates).

Thanks in advance.

Being unemployed and out of savings- should I file chapter 7 Bankruptcy to rid me of all my debts?
If I do this will I lose my home? Its worth less than my mortgage at this point in time!

We started renting the property Feb 2010 and have always paid the rent on time or early by deposit into their bank account. On October 1st they called us and told us to stop paying rent and that we would not be getting our deposit back and that he is filing bankruptcy and the house is in foreclosure so to stay until the bank contacts us and to save our rent money to move to a new place. They have not paid on the mortgage since March 2010 and Bank of America filed for foreclosure in the court on Oct 17, 2010(I found this information online yesterday). I was just wondering how much time we had because we are trying to save up as much as possible to move. We don’t want someone from the bank to knock on the door and say get out either because we have a 7 year old and a 7 month old. Does anyone have any helpful advice?
Yes we signed a 1 year lease before we moved in.

Long story short, I got divorced a few years ago and now I’m left with the bills that my wife used to pay. I make about 40k a year and I live in a relatively low cost area, but I have a 00 a month house mortgage (30 year, about 17 years into it now) and another 2nd mortgage (I still owe about 50k) that has the house as collateral, 600/month (wife took it out when we were together in my name.) I cannot keep living like this and I want to just start over.. but how? I don’t see how foreclosure would work if the 2nd mortgage has the house as collateral. Is there ANYTHING I can do to get rid of these payments? I pay them on time but at the end of the month I have very little for anything else, i’m using a friends computer and my kids sometimes go hungry. I do not qualify for food stamps. PLEASE I will do ANYTHING, bankruptcy you name it.

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?

in 2005 my parents bought a house in Palmdale, CA.; Assuming that since the real estate company we went to was owned by a cousin of ours and since my sister was working with the company at the time, I have little knowledge of the transaction that was made to buy the house. From what I have understood, however, was that the mortgage that my parents bought into was a fraud, as many were at the time because they were pressured to finance the house without knowing the fine print of the contract; this resulted in them paying high prices for a house that depreciated in value over time. In any case, the damage was done and they resolved to put the first house in short sale while they bought another house for a low price, which is a house that we live in now.

About 3 months later, the first house they owned never sold and they found out at the time that there were squatters in the house. I don’t know how these scammers did it, but someone found a way to list the first house in a different website, forged the documents to the first house (I can’t say how they did it, since we shred any papers that have our personal information), and they might have found a key that they duplicated and "rented" this house, online, to a family that is on welfare.

My sister confronted these squatters, the police came to our place of residence and took copies of the fraudulent paperwork. The squatters had the nerve to ask my parents for electricity and water, but my parents never complied with their requests. When it came time for my parents to file the report at the police station, all of a sudden the police say we have to get a lawyer and to pay money to file the paperwork so that we can take these squatters to court (who still seemed to live in the first house we bought). These squatters, as a result, refused to let anyone see the house and the short sale never happened.

Because we dont have enough money ourselves due to high medical bills, the resigned on the pursuit to evict these people from our first house, but I can’t accept this (My parents are practically receiving calls everyday from a collection agency, but they decided to let the bank take the house and go to foreclosure, which will leave them in bankruptcy and ruin their credit).

I would have assumed that the police would have evicted these people, given they have the evidence right in front of them, but is there any low cost community resources that we can refer to get this nightmare taken care of or do my parents have a reason in just letting go letting the bank take the house?

I purchased a house with an ex, and needless to say things didn’t work out. When I moved out, he convinced me to sign a quit claim deed. I didn’t realize I was giving up all rights to the house without being released from my financial obligations to it. Now the house is in a foreclosure auction. I have no idea what this means for me. My credit was fantastic before all this business began, but now my credit score is plumiting fast! I’ve been told I should file for bankruptcy so that I can have my name removed from the mortgage, but I feel like that would be a bad idea. Is it really my best bet? What effect does this auction have on me? The ex refuses to talk to me at all, so I have no clue what’s going on besides what I can find online regarding the auction.

I filed for Chapter 13 three years ago with a 36 month payback plan, I have almost finished the plan and had a question. I didn’t include my house, I have never been late on my mortgage. Once I am discharged from my bankruptcy I want to apply for about a 00 loan. I don’t want to refinance my house to get the money. The loan is for a motorcycle. I have a car that I can use as collateral, it’s worth more than K and I have the title free and clear.

Do you think even with the fact that I have collateral that is the equivalent to the loan value I will still be charged a crazy interest rate? Any suggestions?

And in case anyone says don’t get the bike….I’m a cancer survivor and disabled veteran, I deserve the darn thing after what I’ve been through.

If I include my mortgage in a Chapter 7 bankruptcy filing, how soon after filing will I have to vacate the property. The auction sale date for it is January 11th.

my cousin and I co-own a house, after things went bad and i filed for bankruptcy my cousin would like to try to keep the house. He asked me to sign a quitclaim deed from he had prepared from one of this online sites. I basically understand the basics but the last part of the form i dont quite understand so well (legal-ese) Can someone explain it to me…

Here is the part

"Together with all right, title and interest, if any, of the party of the first part in and to any streets and roads abutting the above described premises to the center lines thereof; together with the appurtenances and all the estate and rights of the party of the first part in and to said premises; to have and to hold the premises herein granted unto the party of the second part, the heirs or successors and assigns of the party of the second part forever.

And the party of the first part, in compliance with Section 13 of the lien Law, covenants that the party of the first part will recieve the consideration for this conveyance and will hold the right to receive such consideration as a trust fund to be applied first for the purpose of paying the cost of the improvement and will apply the same first to the payment of the cost of the improvement before using any part of the total of the same for any other purpose"

any help is greatly appreciated
thanks for the answers…i am off the mortgage, my cousin wants to refinance in his name only. The second paragraph looked funny to me so wasnt sure if i should sign. Was considering signing incase im liable for anything illegal happening at the house (drugs, illegal tenants). I also no longer live at the house. I think ill get some legal advise regarding this from a lawyer

I petitioned the trustee to dismiss my Chapter 13 case because I could not afford to pay 00.00 a month anymore in addition to a 00.00 mortgage and other expenses. My primary reason for filing for Chapter 13 was to protect to house from forclosure. I sold my home and have a settlement date in two weeks. My question is since the Chapter 13 was dismissed on 8/20 what impact does this have on my credit score. Is it viewed just like it would if my case was "discharged"? Does my house being sold help my score any? Thanks!

I owe roughly 2600 in credit card debt, and the bill collectors have decided that their recommendation is to continue with legal proceedings against me. At this point, my question is whether wage garnishment is the only available recourse they will have against me, and if so, how much will I be garnished?

I own my car, and it’s worth is roughly ,085 according to Kelly Blue Book. I do not own a house, nor do I pay a mortgage . I do own a laptop computer (that is entirely paid for) as well as a 7 year old desktop computer ( obviously paid for as well).

I have spoken with some people regarding chapter 13 bankruptcy, and they have suggested that the fees associated with that are not worth my trouble, and I agree.

Roughly, I earn between 300 and 400 dollars every two weeks. What could I expect to loose?

Thank you in advance for you time and help with this.
Also, I would like to point out that I have spoken with the creditors and they have been rigid about not accepting any payment plans.

I have a ton of credit card debt due to divorce, unemployed;credit in toilet; need to file bankruptcy but…I dont even have the money to do that; I have a 2004 cherokee and dont owe anything on it and would take a loan on it to pay bills and get the money to file bankruptcy but dont know if I am allowed to do that; i am unemployed right now; last year i made nothing basically; have no idea how i have even made it; stopped using credit cards nine months ago; what can i do; the grand cherokee is worth like 7 to 8k it only has 55k miles on it; i just dont know what to do; i want to just get my bankrputcy out of the way; a year ago my life was perfect now its in the toilet; barely even getting by; on food stamps; severely depressed; my precription is like 200 dollars a month and now i cant even pay that; i am 36 and make no money and have not for a long time; have no idea if there is anything out there that will help me; i put in applications and resumes in all day long; its so frustrating; now without my script i will be even more depressed and things will only get worse; i wish there was some short term presription help; my doctor charges 50 dollars a visit and i am down one payment with him; if anyone knows about bankrputy or what i can do; i dont want to get one of those 1 month loans and pay 300 screw that; i cant lose my car; plus i dont even know if you can do that when you are about to file bankrputcy i just dont know what to do anymore anyone with advice and not some stupid spam also i have a mortgage on a small condo and am not behind yet because i have a roommate; last year my brother killed himself; my best friend died a month after that and my wife cheated on me and got pregnant and i got divorced; its like can anything good happen; i have never collected any unemployment because i started my own business so i was self employed; i just dont know
i looked into gettng low income but unless your house is in foreclosure or your car is in foreclosure than they wont help you no matter how low your income is; your house or car has to be in foreclosure or about to get your car reposessed for legal aid to do it and i would have no idea on how to file bankrpuctcy; i have no idea

My husband and I live in Kentucky and a couple years ago my husband was involved in an accident without insurance. I know that was a mistake and we should’ve had it, but there was a time lapse of like 5 minutes where we were uninsured and didn’t realize it. Anyway, my husband got a driving without insurance charge and had to pay fines for that and restitution for the other driver, as it was an injury accident. That is all paid and we thought it was over. Today in the mail, two years after the accident, we got a letter in the mail saying we owe the other drivers insurance company money they had to pay out…like 10,000 or something. We don’t have the money and are currently in a Chapter 13 bankruptcy and none of our property can be touched for 4 more years and we still have a mortgage on our house. What is going to happen if we go to court?