"I am currently in a chapter 13 bankruptcy and need to find a place to rent. I am not a bad person but have had some really bad things happen and had to get on a repayment plan through the courts. Now I need a place to live. Will I be able to rent from someone in my situation? I am a single parent and I need a home for myself and my child. I’ve been on my job for a long time now but need to find a place that rents for less than what I was paying to make ends meet. I moved with my parents but can’t stay here for long because of the space. Will I get turned down if I try to find someplace to live? I am willing to pay extra deposit or rent if reasonable. Does anyone know a website that address this situation.

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.

They can get a no money down loan, BUT the property doesn’t have a garage & they will need to build one. The garage is what they want to draw from the 401K for.
I am dead set against this. They THINK they can just take out the money with no penalty & not have to pay it back at all. I think that is wrong.
Mom is a homemaker, Dad has a good paying factory job. He is SUPPOSE to be less than 5 years from retiring!! Mom acts as if she knows their finances inside & out, but when I was a kid, she "handled" the finances by maxing out credit cards & they had to file chapter 13 bankruptcy.
I so badly want my parents to move into a home of their own & stop renting. I think the home they are interested in is the best one suited for them. However, I’m afraid that my dad is going to be the one who suffers because my mom is out of touch with what taking that 401K money means.
Yes, Dad is passive & doesn’t like to "wrestle" with my mom.
It seems so much simpler to just leave the 401K alone & take out another loan for home improvements…….HELP
How do I convince them NOT to use HIS 401K towards a freaking garage?

I filed personal chapter 7 bankruptcy in 2007.
I now own a business, a daycare, that is failing due to so many parents being out of work.
Is Chapter 11 the proper bankruptcy to file for this type of debt, and if so, am I eligible?

Hi I am 18 and i recently got in 17,000 dollars in debt of medical bills after getting help of the gov. i live in nj in a room in my parents house i have no job, no car, basically nothing (I do not go to college). i want to declare for bk since im young and will have it all over my late 20’s but i dont know what effect it will have on my parents… I plan to work work construction later in life (Will the bankruptcy affect this?)

Please help Thank you
I received the debts when i was 18
I had to let my job go because of my surgeries i had and recovery (Which Im still under)

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.

My parents filed for chapter 13, and they’re still paying the entire amount on their home, minus interest. The lawyer said they would not lose their home in this case, but a friend of ours was on a foreclosure website and found their home on there with the bankruptcy lawyers information as a contact.

Can lawyers put your house on those sites 1, without your permission or knowledge, and 2, is that legal? what can be done?

I am a 17 year old senior in high school who is attending summer classes and a fall semester at the local university. I am not expecting to get many scholarships this year and am worried about paying for college. I have an appointment with the financial aid department at my university to talk about my options with them. I am interested in a parent plus loan through my parents but they filed chapter 13 bankruptcy about a year and a half ago. Will they be denied this loan? What will happen if they are denied? Will I be able to change to an independent status student in order to take more loan money? Any help would be greatly appreciated,

I am wanting to find out the odds of my hubby and I getting a home loan after a chap 7 bankruptcy. We have had to file on a failed business, but is reflective on personal credit. We are moving back in with parents for 1 year to try and save $ and get on with our lives. We figure we will probably have to rent after the 1 yr with the parents, but is there a chance of us getting a loan if we are able to save up a good amt for down payment? What if we have co signers? Thanks!

My parents may be filling for a chapter 7 bankruptcy and have 4 cars in their name (my truck included). I just paid my truck off and am about to put it in my name. If my parents file for bankruptcy soon after I put my truck in my name can they still take my truck? I heard there was a year time period between letting go of assets and filling for banckruptcy before those assets cannot be taken. I live in Colorado Springs, im sure theres different laws depending on state of residence.

My mom and my step dad have declared bankruptcy one or two times in the last 10 years. My older brother now lives with them because his health hasn’t been so great for some time. Needless to say their credit isn’t so good after filing for bankruptcys. Now I hear the bank has gone to foreclose their home and they say to us, their adult children that they have their lawyer working on it but don’t tell us much else. My parents havent made such great choices about their money in the past so we are pretty skeptical. Not only that a majior reason why they are in this finacial hell is because my step dad fell for an internet e-mail scam. I and my brother am trying to help them as much as we can with our own practical smarts but they haven’t told us any details so far. From what we gather my parents could be housless come Febuary. What can be done to help them legally and, or what would you do about all this?
I don’t know what form of bankruptcy they have filed this time.. but they say they will be required to pay all of their bankruptcy debts off and keep up with all of their incoming future bills they will have too.
Step dad works two jobs. My mom is on disability. My older brother also works but he is the one who has been sick (and even though its not HIV or AIDS he may also be ill for years to come too) is now working at a Taco Del Mar.

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?

My mom and my step dad have declared bankruptcy one or two times in the last 10 years. My older brother now lives with them because his health hasn’t been so great for some time. Needless to say their credit isn’t so good after filing for bankruptcys. Now I hear the bank has gone to foreclose their home and they say to us, their adult children that they have their lawyer working on it but don’t tell us much else. My parents havent made such great choices about their money in the past so we are pretty skeptical. Not only that a majior reason why they are in this finacial hell is because my step dad fell for an internet e-mail scam. I and my brother am trying to help them as much as we can with our own practical smarts but they haven’t told us any details so far. From what we gather my parents could be housless come Febuary. What can be done to help them legally and, or what would you do about all this?
I don’t know what form of bankruptcy they have filed this time.. but they say they will be required to pay all of their bankruptcy debts off and keep up with all of their incoming future bills they will have too.
Step dad works two jobs one as a school janitor and the other as a large route news paper carrier. My mom is on disability. My older brother also works but he is the one who has been sick (and even though its not HIV or AIDS he may also be ill for years to come too) is now working at a Taco Del Mar.

I find myself more and more isolated in my frustrations…. seeing the Fed delaying the inevitable- bailing out another huge corporation with my money.

NO ONE is being taken to court, everyone escapes responsibility for bad decisions over the reliance on the ratings agencies. they get their trading bonuses right away, before any loan performance can be verified. where the h@ll is the accountability here??!! doesn’t anyone else care?!

my parents got fu&*ed 10 years ago when someone bought their house with no money down and then he defaulted. they were pushed to the edge of bankruptcy after working all their lives to buy a home. where the hell was the Fed to bail them out?!

is it because americans are clinging to the dream of being the ones doing the screwing instead of the ones getting screwed…?!

that’s why everyone is content with these disgustingly corrupt politicians that the bankers own?!! they pay off politicians on both sides of the aisle so that the bad lending practices continue, and nothing changes…. further funneling what little wealth the public still has into the fat cat’s pockets! is it going to take a North American Union for people to wake the h@ll up? will they even then?

http://news.yahoo.com/s/mcclatchy/20080909/pl_mcclatchy/3040652

http://theprolific.com/2008/08/meet-obamas-corporate-backers/

http://uk.reuters.com/article/stocksNews/idUKNOA53525520080605

Mike B:

Basically, they had moved out of the house, the deal fell through, and they spent thousands trying to relocate and resell the house

my husband and i own a house but we are 1 1/2 months behind, in the middle of filing chapter 13 bankruptcy, I recently just found out my husband has been lieing to me about money and that he has a problem with cocaine. He made an appointment for outpt counseling, but I feel like all my feeling for him are gone and want to separate. but here is the problem, We obviously are having a hard time keeping up with payments ourselves, I cant afford it by myself niether can he. He doesnt know how I feel about him. I cant afford a foreclosure and the market is bad so even if we sold the house we’d be in a bind because we wouldnt get close to what its worth. what do i do. im very unhappy.
I have a 3rd shift job and he threatens to get custody of our kid, my parents said that no one can move back in no matter what their circumstances are

Is there anyway as an Independent Student I can qualify for 0 efc. What is the AGI that I should shoot for (15k-20k)?

My info…
24 year old independent student…
Less than 4k in income for the year, but I received 20k in a settlement, which is taxable. I will need to pay Uncle same over 3k of my settlement and most of it went to payoff car and personal debt for myself and my parents. My parents can not contribute to my education cost.

I’ve been going over my tax info and laws and I’m trying to get my AGI low to in turn get my EFC low or zero… Any thoughts?

My parents filed bankruptcy so they can not cosign for a student loan and I am aware of all the FFELP loan options. I’m mostly focus on my efc so I can increase my PELL and FSEOG eligibility.

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.

now if it weren’t for my previous job lying to the unemployment security department and telling them that i quit, then i wouldn’t be in this situation, but unfortunately i am. i haven’t had a job for 9 months and the economy is terrible. i’ve been trying with every strength in me to get a job, but unfortunately nothing has happened. i already lost my apartment, and the only thing left is my car. and even that, i’m 3 months behind on. i have so many bills and probably owe about 5k to medical bills and credit cards. but the main thing i’m concerned about is my car. i still owe about 8k on it, and have paid about 4k. i have absolutely no money. and my parents don’t have jobs either. i’m basically screwed.

do i qualify for bankruptcy? i already have HORRIBLE credit, and i’m not all that concerned about it. would i be able to keep my car? i honestly don’t have anything else to my name of any worth at all. not even a cell phone. i’m finally going to have my 3rd unemployment hearing (after 9 months they still haven’t made up their minds), and if i do get the money, i could use it to get out of debt since i’ve been claiming for so long. it’s the only thing that could help right now, but i can’t count on. i just absolutely CANNOT BELIEVE that my employer LIED and put me in this mess. i’m only 20 years old, trying to go to school, and i’m basically homeless. i have to live at my friends houses and ask them for money.

i guess they can take my pride and my self-worth, but they can’t take my life right?

I was in a car accident in 05. It’s been five years now. Just yesterday I accepted a ,000 dollar settlement. My medical bills are several times that amount. There is no way I can pay them off. After five years of court date after court date.. depositions.. paper filing and two lawyers. I’m sick of it. And even though I will have to live with my injuries for the rest of my life.. I’m sick of fighting and want to put this behind me. So I accepted. My lawyers told me in the beginning to expect 0,000 or more due to my injuries and the nature of the accident. But the case got more and more twisted as time went on and now the insurance company just wants to take me to court.. where I could walk away with nothing.

This is my question. . I kind of asked my lawyer this. He said that the only bill that I HAD to pay from the settlement was to a hospital due to a lien? Then I would be down near ,000.

Anyways. I’m twenty-one years old. And don’t see how I am ever going to get these bills paid. My question is:

Can I spend the money and then file for bankruptcy? Or would that make me ineligible?

I want to use the money for schooling and to fix up my parents house. I don’t think it’s wrong of me to do such a thing. I have suffered for five years now with major back injuries and severe PTSD. I deserve to use that money how I please.. right?

Thanks
Let me edit something. Before I ever looked into a lawyer the insurance company offered me ,000 dollars. I then began to look for a lawyer. When I found one and retained him. It was in the contract that his cut would not leave me with anything less than ,000 dollars. So he is actually only going to get ,000 dollars from the settlement. The lein from one of the hospitals is ,000 dollars. That leaves me with a check for ,000 dollars. My question is.. if I spend the money can I file for bankruptcy? I haven’t signed the papers yet. The problem with this whole case was that my lawyer hasn’t been able to prove that the farmer was negligent. His cows got out of their pasture and .. in a vehicle.. I hit one. It came through the windshield and smothered me. Most of my bills are for PTSD.. which i’ve been told is hard to sell to a jury.

Ok, so here’s the situation. I need a private student loan to cover the cost of college tuition, but in order to get it I need a cosigner. My parents say that they can’t because of their Chapter 13 bankruptcy (which we’re still going through). Is this true?? and if it is what should I do?? Please, please I need some help