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

Technorati Tags: atm, bank balance, bankruptcy, banks, checkbook, checking account, credit card, driver license, googling, initial deposit, mail, open bank account, social security, visa check card, western union

I sold my car last year to someone for 00. He gave me 0 up front and we drew up a contract stating that the rest would be due no later than December 6th, 2010. When the time came, after many missed emails and calls he told me the car was in the shop and that he couldn’t pay it right then. After a great amount of emails and calls that went unanswered, I showed up at his house and asked his mom if he was there. He told me he had to file for bankruptcy and his lawyer told him not to say anything to anyone. He told me the car "had been taken" and told me to talk to his lawyer about it. After trying to leave a message at his office three times, the secretary got fed up and told me that there probably wasn’t anything that they could do for me and that I was named in the papers but they didn’t have the car and they have no idea who has the car. After this, I decided to do a bit of snooping online and have enough evidence to show that he still has the car and is even in fact trying to sell it online. He won’t respond to calls and keeps redirecting me to his lawyer. His lawyer answered the phone today surprisingly and told me that I was named as an unsecured creditor and that my pitfall was in not declaring a lien on the car when I drew up the contract. I asked him
‘If I were to go to his house and ask for the car back, would he have to give it to me?’
‘Bear in mind that he is my client and everything I say will be in his argument, but no, he has a right to the car because you gave him the title after signing the contract.’

I tried to contact a lawyer but he said he’d charge me 0 for a consultation.

I told the kid I’d need the money by the end of December so I knew I was going to be able to afford taking summer classes this year. Now I’m broke and can’t afford summer classes and might even
have to graduate late..this guy is ruining my life.

What should I do?

Technorati Tags: bankruptcy, consultation, december 6th, lawyer, mom, money, pitfall, quot, three times, unsecured creditor

did they? i heard from my friend but i cant find it any where online

So recently I have posted a car on eBay. It went up for the seven days that you have to bet on it but none of the bids went up to my price standards. The last bid was 12,500 and I was specifically asking for 20,000 because the car is not even worth in the 12,000 category, The title is in my hand I paid off the car so its not taking over payments situation. So the bidding ended and I refused to sell it to the last bidder and I filed a refusal case on eBay to not sell it to him, but the guy was threatening me if I didn’t sell it to him he would sue me. Cops were involved and i don’t know what to do if I have to sell it to him or not. In addition I’m only selling this car because I need to pay of debts and I’m also filing for bankruptcy and I can’t deal with this guy threatening me to sell him the car or he will sue me. What could I do? Please tell me as soon as possible.

Technorati Tags: cops, debts, ebay, filing for bankruptcy, seven days

and now i cannot view my online account or receive statements in the mail. well i recently moved and I am 2 months behind but i have the money now and i want to pay but i am worried the money is going to just dissapear and they are going to take my car away! But i have not received any phone calls or statements or even letters saying they were taking it! Oh yeah and when i call I cant get info without talking to someone and they say i can pay by phone or mail! but wont tell me a thing. It’s annoying! Ive paid my payment for a year now. My mom has never paid it and yeah?

Technorati Tags: mail, mom, money, phone calls

I am very nervous about what can happen to my home. I am waiting for a closing date as my parents gave me money to purchase a modest home. I am married and my husband and I need to file bankruptcy. We lost our home to forclosure a few years ago, lost our vehicles and had some credit cards. My parents want to see me enjoy part of my my inheritance now and I also have health issues that allow me to only work part time. I know I need to contact an attourney but I dont have the money for that yet. We are still renting but will be closing within the next 2 weeks. What should we do when we file? Again, the home will be only in my name which I am not sure if this will help or not. My husband has some personal credit issues and I as well. But, most of our issues are together. We believe we should file a chapter 13. He is a school teacher and I am a part time self employed music teacher. He also owes a lot of money on student loans from getting his Bachelors degree. I am 51 years old, am very grateful to my parents yet very nervous about losing my home. Thank you !
My parents do not want the home in their name as they do not want to pay Insurance and taxes among other reasons. I have heard of many people owning homes and filing chapter 13. If this is the answer do you think we need to do it soon so the courts do see that we are trying to resolve the issue after recieving this gift? They will also see that our hardship and loss was due to my husband being in the mortgage industry and my health issues.
Thank you for your answers. Here is my second question to my second answer.
We had put down a chunk of money for escrow. We were to close a few weeks ago until Fannie Mae said that they need go over the homes forclosure papers. Something was not done exact. I and Fannie Mae signed an extension. Can I back out of the deal and do the bankruptcy then look again for a home again? Or, will I lose the escrow money which my dad would kill me for that. That is my concern now?
Omg… yes they paid cash…. And, yes it is in my name only.

Technorati Tags: attourney, bachelors degree, bankruptcy, chapter 13, chunk, closing date, credit cards, dad, escrow, fannie mae, health issues, inheritance, mortgage industry, music teacher, parents, part time, personal credit, school teacher, student loans, time self

According to online sources, my income is too high to file for bankruptcy (which I don’t understand since stars and wall street people can file). My monthly bills are higher than my monthly income. For over a year, I have been supporting my adult sons who don’t live with me – one has been in college and one has been unemployed due to depression and not being able to find a job. Is there a way I can still file for bankruptcy? I don’t see any way out. (Yes, I have now stopped supporting my sons but I would guess the one will file for bankruptcy soon due to his mental health and job status.) HELP!

Technorati Tags: adult sons, bankruptcy, depression, job, mental health, wall street

I’m looking for information about how a person can file bankruptcy on a specific credit card, if I so choose. Any information would be greatly appreciated.

Technorati Tags: bankruptcy, credit card

I’m being sued by my electric company. (Connecticut Light & Power) I have a very high bill , as a result of being on several payment arrangements over the years, because I am low income. My daughter has severe, life threatening asthma, and I am on the medical protection program to ensure her safety. I tried to work out an agreement with the lawyer’s office handling the lawsuit, and originally, they were going to have me on a payment arrangement of /week, or so I thought. Now, they’re claiming that they’d need my month’s usage plus a payment towards the rest of the bill to be able to settle the lawsuit, which I can’t afford. I don’t work because I have complications from having Lyme disease, and I have PTSD, and my husband is only on unemployment, with only 6/week, when we have a mortgage payment of 1157.33 a month, and were already behind some. I explained this already, and they don’t want to help me at all. I just honestly need some serious legal advice. Without the judgement and cruel comments, please. Should i file bankruptcy? What happens if I have to go to court? I honestly don’t have the money, and am so afraid and confused right now. Please help!!!

And please, no cruel comments about my life. People on this site love to knock others down all the time, and right now, I have more than enough to deal with, obviously.

Thank you so much for your help, i really, genuinely appreciate it.

Technorati Tags: amp power, asthma, connecticut light, judgement, lawyer, legal advice, light amp, love, lyme, lyme disease, medical protection, money, mortgage payment, payment arrangement, should I file bankruptcy, unemployment

i know i need to file bankruptcy. but how do i go about it and does it cost money or what. any information at all would be a lot of help

Technorati Tags: bankruptcy, money

My family is not the best with money. But somehow I made it through with a decent understanding of the income/spending ratio.
Anyway, my mother is filing bankruptcy, but the lawyer wants 1200 to do it. Her wages already being garnished, she can’t save up the money so it has fallen to her 3 children to do it (because we care). I have a little in a savings account, and my sister has a bit, too. My brother agreed to help out also.
I figured this would be handled in less than a week, but that was 2 weeks ago. Now I get invited along ON VACATION by my sister in law. My brother’s family is going to South Carolina for a week.

Am I crazy, or should this whoole thing already be resolved before the 1st of the month when rent is due!?!?
I already declined the vacation, telling my sister in law that money is tight and I can’t take that much time off work or I won’t be able to to pay all my bills. (I work an hourly wage)

Technorati Tags: brother, filing bankruptcy, hourly wage, lawyer, money, savings account, sister in law, south carolina, time off, wages

I work 40 hrs a week as support for a software company. I work remotely from home. I have been freelancing at night when everyone is asleep and on weekends – this is my second job, my attempt to pay off medical bills, and to move forward on quitting my current job I hate so much. Last week I told my husband I have a big job and I have a 2 week deadline. This job will pay for my son’s Hockey Season which is 0. I told him this several times before taking the job and he told me he was okay with it. One night I decided to work on the project right after dinner and as soon as I went upstairs he wanted to know what I was doing and demanded that I take his laptop and work downstairs. I was a bit put off and did it. Then he went to give my youngest son a bath and demanded that I stop what I was doing to watch my older son do his homework… First of all, my husband never gives my youngest son a bath on his own – I usually do it and rarely tends to my son’s homework. He started yelling at me saying that I need to spend more time with the family.. What??? I’m home all the time with the family.. He’s not!

Keep in mind that he works 50 – 60 hours weeks and sometimes more. When he does work more than usual, I never give him a hard time. I take care of everything at home.

This one time when I asked for his support on my big project – he failed me. I decided to quit this project because of my husband being impossible. I was so angry at him, I could not talk to him. The next day I woke up angry, he was telling me what to do and how to do it… He is usually like this and I just ignore it. I was so pissed, I was super sensitive to every word that was coming out of his mouth. I felt like I was in shackles and I have no rights as a human being. I know this is so exaggerated on my part.. That is my feeling after getting no support from him.

What brought me to the melt down is this. I have a paypal business account and credit card for my business needs. my husband knows this which is a big mistake telling him. That account allows me to send invoices to people so that they can pay me for services. I have been taking the profits and paying for things we need and paying for medical bills. I have gotten about 00 from freelance work so far. Well, my husband keeps on telling me we need to pay for hockey stuff and now My dog’s grooming and vet bills.. This is where I get frustrated.. I have to work to pay for this stuff. I don’t want to incur more debt. He also wants me to file for bankruptcy.. I don’t. That is the easy way out and I feel I can fix this.. He doesn’t agree with me and continues to friggin buy things like he has endless amounts of cash.

I really think he takes advantage of me. Everything we have bought, he had convinced me to put it on my credit card and promised he will pay it back. Every time I go to him on paying back my card, he comes up with excuses and yet he is able to buy shoes, clothes, gadgets, toys for kids, – lunches, etc… Do you see why I’m mad?

And just a couple of days ago I flipped on him because he told me he just bought some Vail Resort stock… I was pissed because when I was trading stocks a year ago and making a profit, he got involved and said this will be a good hobby for the both of us. I immediately disagreed and told him that I want to do this on my own. He has stocks and a retirement fund. I have nothing and would like to try and build a retirement fund and portfolio. He was offended and got mad at me. I gave in and decided to work with him. He told me to buy a stock that I did not agree with and insisted that if I do not buy this stock it would be a big mistake. Well I didn’t want to and we fought over it. I didn’t want to fight with him and bought the stupid stock. A week later it fell 10% and I pulled out. He wanted me to keep it and called it a long term stock… He was so wrong. The little money I did have went to paying for penrose hospital – they had a court order for us to pay for a bill. So I pulled all the money and gave it to them. See why I am mad… Why do I put up with this?

He is another funny thing he did. For a while he was recording Dave Ramsey show. This show has people calling in about their financial problems and he give advice. Well I did watch this show and loved it because if reinforce what I know is true and when I had asked him to watch it with me – he agreed but he thought it was comical and didn’t take the show seriously and stopped recording the show… I am crazy.
He pays for health insurance, car insurance, utility bills, and cable. I pay for mortgage, car, credit cards, daycare, and gas/groceries.

I don’t have anything left when these bills are paid.
Yes, I have talked to him about this and we are trying to work things out. I don’t give up that easily. Divorce is not in my radar. I feel so frustrated and wish I could figure this out. My husband tells me all the time that I need to learn how to relax.. He’s right there. And we balance each other because I am all about being responsible and he likes to have fun.. Well I love to have fun too. I was adventurous before kids and marraige. Now i’m home working all the time. Try to pay the bills.

Technorati Tags: big mistake, business account, credit card, downstairs, hard time, hockey season, homework, laptop, medical bills, melt down, second job, several times, shackles, software company, youngest son

I paid an attorney to file a bankruptcy did the credit counseling online, its been a year and he still has not filed, and refuses to give me a refund. and now won’t even return my calls. what can I do? I am in the state of California By the way
is there some form of an attorney dispute i can do?
I have the retainer agreement, and it was supposed to be filed on an emergency basis due to the fact my landlord, was trying to evict me. that was almost one year ago. yes he is a real attorney. his name is michael wells in los angeles.

Technorati Tags: bankruptcy, credit counseling, emergency basis, landlord, michael wells, retainer agreement, state of california

When I was 16 years old I was driving my parents vehicle and their insurance had just lapsed. I was coming up to a 3 way intersection and my brake line snapped and I ended up hitting this woman, no serious injury’s and alchohol was not involved. any way, the lady that i hit sued my parents for 145k, needless to say my parents didnt have that kinda cash just laying around so they filed bankruptcy. then they (the people that sued my parents) waited until i turned 20 and sued me for 156k. the majority of the amount they sued me for was the cost of their vehical… which was an 84 conversion van. Is this legal? can they sue my parents, then sue me? is it legal to sue someone who was a minor when something happened when that person turns of legal age? thats why they sued my parents to begin with because i wasn’t old enough to be held legally responsible. please help what should i do? they took my license and i cant drive and im 24 now. i don’t know what to do but this don’t seem right
Ok, i dont know how they did it but when they sued me i had moved out of state and some how they served my papers ot my parents and not me, and YES the majority of the lawsuit outlined their van, and YES i KNOW that she didnt have any major injury’s only a broken toe …YES a broken toe. AND NO i KNOW that at 16 you cant hold somone responsible in a civil suit. if your going to sue somone that is 16 you cant. u have to sue their parents. that 16 year old is not legally responsible for his/her actions in a civil suit.when i confronted the ATTNY that sued me his exact words were, "how old were you then? …16… and how old are you now? 22… well your old enough to be held responsible now arent ya!" thats the exact convo that i had with the lawyer 2 years ago when i found out they sued me. and they DID NOT sue me and my parents at the same time, they sued my parents, my parents filed bankruptcy THEN they sued me.
oh and they took my license for failure to pay the suit. If i were neglegent than i can see it but i didnt know that my parents had no insurance, and did nothing wrong, my car malfunctioned and i got into an ACCIDENT, not like i was trying to street race and drift through a 3 way intersection or somthing.

Technorati Tags: alchohol, bankruptcy, brake line, broken toe, civil suit, conversion van, convo, exact words, failure, insurance, intersection, lawyer, parents, vehical

He has a lot of old credit that he has tried to pay off, but with the interest it is just not going anywhere. How does he go about filing bankruptcy with him being on SSI? He owes about 12,000. What are the steps, such as filing in court, getting a credit report to ensure all have been included and so on? What are the court fees? Thanks….

Technorati Tags: court fees, credit report, filing bankruptcy, ssi

we have had a rough marriage. he has lost his job which caused us to lose our house and file bankruptcy and now we live with our two kids with his dad…… sigh…… now i lost my job of four years and the medical , dental, and life insurance that went with it. i got approved for unemployment….. and the kids are getting approved for insurance so…… why is treating me so bad. He doesn’t say it allowed it’s cause i lost my job…. but that’s when it started.

now he says…… i cant stand to look at you. i can’t stand coming home and hearing the kids scream. Please just leave. I’m through with you….. can u believe he is telling me that he wants a divorce?? I"m usually the one saying that to him. and now that i have no way to support myself with no job he wants to kick me out of his dad’s house….. which is cool…….i’ll go but he says i cant take the kids. and i say i’m not abandoning them.

so what do i do?

Technorati Tags: bankruptcy, coming home, dad, divorce, insurance, job, life insurance, marriage, medical dental, unemployment

I have been married almost 3 years. I have 2 children under 2 yrs old. My husband has a pill problem and is a thief. He has stolen my money so many times I have had to file bankruptcy. I can’t have credit cards, a checking account, or anything. My husband always begs me to come back and I do because I love him. Earlier this year, he stole the last 0 I had and bought pills and wrecked my car. We couldn’t even pay the utilities on our house. (well, I couldn’t pay them, my husband doesn’t have a job.) So he moved in with his dad and I moved in with mine. Recently after we moved in with our dads, I found out I was pregnant. My husband got kicked out of his dads house for stealing and being on pills. He had nowhere to go so I let him stay with me to help me with our newborn daughter. Last week he was on pills again and stole some money from my dad and me so my dad kicked him out. Every time this happens he says he is done with the pills and it won’t happen again. I always take him back and this time I said he cannot stay with my dad and I. We have a house that I am still making payments on but since he doesn’t have a job I can’t pay for the house, utilities, and groceries by myself. Thats why I’m living with my dad so my kids will have water and heat. He is now telling me that he is completely done with pills. His mom is going to put him in therapy and he is going to apply for jobs and possibly go to the army. I do love him and that would be fine but I’m afraid I can’t trust him. My parents are begging me to get a divorce. But even if I do I know I will still see him alot because of the kids and that will be hard for me. When we got married I knew he already had 1 kid which was fine but since we got married he found out he has another and next month he is getting a DNA test for another, which that is really hard for me to deal with. I know he didn’t cheat on me. But if he does get a job, all his money will go to child support for these other kids? He has been put in jail more than once for back child support and is also being questioned for some residential break ins. I am afraid if I leave him I won’t find anyone else and if I did find someone else my husband would make it hell for me. I’m sure it sounds like a no brainer I wish I could turn off my feelings but I really do love this guy too much. I just wanted an outside opinion from someone that doesn’t know us. Thanks in advance
I do not have a drug problem, and when he is on drugs I do keep the kids away from him.

Technorati Tags: 3 years, army, bankruptcy, checking account, child support, credit cards, dad, dads, divorce, dna test, groceries, job, jobs, mom, money, newborn daughter, parents, pills, thief, water and heat

I just checked my credit report online, and I see that Con Edison (my electric company) checked my credit report last year. Why would they do that? I did file for bankruptcy two years ago (for credit cards), but I’ve been paying consistently to Con Edison for 8 years. Why would they request my credit report?!

Technorati Tags: 8 years, bankruptcy, con edison, credit cards, credit report

I need to file for bankruptcy and then want to concentrate on saving to buy a home. How long do I have to wait to buy after filing bankruptcy?

Technorati Tags: filing bankruptcy

I was hit by a pick-up truck 2 years ago when I was 15,the insurance is ready to settle but the amount isn’t enough to cover the first days medical bill and the attorney says I can sue the person himself but he will probably just file bankruptcy. If I sue him and he does file will I still get my money and how much could I get because I am still having problems from it that the doctors say I will always have
It was his fault,it even states it in the police report. I was crossing the street and he ran the red light. He admitted it was his fault but is now saying it is my fault because I was to short to see over the top of his hood.

Technorati Tags: bankruptcy, doctors, insurance, medical bill, money, pick up truck, police report, red light