Comments on: My wife and I are thinking about bankruptcy….? http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy Consider All Your Options | Free Tips, Q&A and Online Resources Thu, 29 Dec 2011 01:20:45 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Judy http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy/comment-page-1#comment-6918 Judy Sat, 10 Jul 2010 00:01:06 +0000 http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy#comment-6918 Can't you deffer student loans - call them up and ask them. I think you can do this in special situations. Also, a federal school loan can't go in a bankrtuptcy.. If you need help there is a government agency that helps you at no cost. NFCC.org Google their site - call the 800 number, make an appointment to see this non-profit agency in an office near you. Reviews call them angels. If they think your only option is bankruptcy - they will tell you. But they have ways of dealing with the creditors that will seem like magic. / Can’t you deffer student loans – call them up and ask them.
I think you can do this in special situations.
Also, a federal school loan can’t go in a bankrtuptcy..

If you need help there is a government agency that helps you at no cost.
NFCC.org
Google their site – call the 800 number, make an appointment to see this non-profit agency in an office near you.
Reviews call them angels.
If they think your only option is bankruptcy – they will tell you.
But they have ways of dealing with the creditors that will seem like magic.
/

]]> By: CatDad http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy/comment-page-1#comment-6919 CatDad Sat, 10 Jul 2010 00:01:06 +0000 http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy#comment-6919 Your first step is to see if you can even qualify to file for Chapter 7...You have to pass a "means" test...which roughly translates that your income must be below the average for your state. Most BK attorneys offer free consultations. You can find out this way. - Student loans cannot be discharged in Chapter 7 - There would probably be issues with transferring debts to your credit cards right before filing for Chapter 7. If you can do this...you might have to wait a year before you can safely file....Consult with an attorney on this issue. - NFCC.org, as quoted above, is a non profit organization that was set up by the credit card industry. It is not a government agency. It can negotiate reduced interest and payments (but not settlements) on credit cards only. This service only assists with credit card debts and cannot help with student loans. Being that they receive money from credit card companies, any advise they give regarding not filing for bankruptcy may be biased. The whole purpose of this organization is to intercept people who are thinking about filing for Chapter 7 and to put them into a debt management plan. Your first step is to see if you can even qualify to file for Chapter 7…You have to pass a "means" test…which roughly translates that your income must be below the average for your state. Most BK attorneys offer free consultations. You can find out this way.
- Student loans cannot be discharged in Chapter 7
- There would probably be issues with transferring debts to your credit cards right before filing for Chapter 7. If you can do this…you might have to wait a year before you can safely file….Consult with an attorney on this issue.
- NFCC.org, as quoted above, is a non profit organization that was set up by the credit card industry. It is not a government agency. It can negotiate reduced interest and payments (but not settlements) on credit cards only. This service only assists with credit card debts and cannot help with student loans. Being that they receive money from credit card companies, any advise they give regarding not filing for bankruptcy may be biased. The whole purpose of this organization is to intercept people who are thinking about filing for Chapter 7 and to put them into a debt management plan.

]]> By: margit mcshan http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy/comment-page-1#comment-6920 margit mcshan Sat, 10 Jul 2010 00:01:06 +0000 http://whentofilebankruptcy.org/my-wife-and-i-are-thinking-about-bankruptcy#comment-6920 I had a very similar query a while back. save time by click on www.loanresources.tk I had a very similar query a while back. save time by click on http://www.loanresources.tk

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