When To File Bankruptcy » 3 years http://whentofilebankruptcy.org Consider All Your Options | Free Tips, Q&A and Online Resources Fri, 10 Sep 2010 15:40:34 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 I am paying off a mortgage with my ex fiance and he is now threatening to go bankrupt. How will this affect me? http://whentofilebankruptcy.org/i-am-paying-off-a-mortgage-with-my-ex-fiance-and-he-is-now-threatening-to-go-bankrupt-how-will-this-affect-me http://whentofilebankruptcy.org/i-am-paying-off-a-mortgage-with-my-ex-fiance-and-he-is-now-threatening-to-go-bankrupt-how-will-this-affect-me#comments Tue, 07 Sep 2010 20:34:44 +0000 admin http://whentofilebankruptcy.org/i-am-paying-off-a-mortgage-with-my-ex-fiance-and-he-is-now-threatening-to-go-bankrupt-how-will-this-affect-me My ex and I bought the house 3 years ago, and have been equally paying it off, after he cheated last december and we split.
I tried to get the house, but the bank said I couldnt do it alone (even tho, I can make the payments) If he goes bankrupt, does the house get automatically transferred to my name, or do I lose the house? or do I get the opportunity to get the house? I am freaking out, coz I dont want to lose my house.
I am renting it out at the moment for half the cost of the mortgage.
Any serious help and advice is sooo appreciated.
Thank you

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]]> http://whentofilebankruptcy.org/i-am-paying-off-a-mortgage-with-my-ex-fiance-and-he-is-now-threatening-to-go-bankrupt-how-will-this-affect-me/feed 1 should i leave my husband? http://whentofilebankruptcy.org/should-i-leave-my-husband http://whentofilebankruptcy.org/should-i-leave-my-husband#comments Sat, 28 Aug 2010 16:49:32 +0000 admin http://whentofilebankruptcy.org/should-i-leave-my-husband we have a 5 year old daughter, have been together for 10 years and married for 3. when we first got together i found out he had a cocaine addiction, he told me he stopped, when our daughter was born we moved in together and he was moody, mean and stingy with his money so i left him, 4 months later he says he’s changed that he was on coke but now he’s clean, he appeared to have changed so i married him, yet right away when we married and moved in together it all started again and for the last 3 years he has lied lied lied, wasted away soo much money lied about his pay checks, put us in debt, ruined our credit and i just found out he’s been using coke this whole time and thats where all the money ahs gone. he says he loves me and his family is begging me to give him a second chance, he says hes going to go seek help but my feeling for him are gone. should i stay or go? we just filed bankruptcy and all i have left is our house. if i loose that it will be sooo hard to ever buy a house again. i cant afford it on my own.

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]]> http://whentofilebankruptcy.org/should-i-leave-my-husband/feed 19 Should we file for bankruptcy for $40,000 in debt or pay it? http://whentofilebankruptcy.org/should-we-file-for-bankruptcy-for-40000-in-debt-or-pay-it http://whentofilebankruptcy.org/should-we-file-for-bankruptcy-for-40000-in-debt-or-pay-it#comments Sat, 28 Aug 2010 00:03:29 +0000 admin http://whentofilebankruptcy.org/should-we-file-for-bankruptcy-for-40000-in-debt-or-pay-it My hubby makes ,000/year, but over the past 3 years, over 60% of his income has been going towards debt payment alone, meaning we have been living EXTREMELY TIGHT for 3 years now. We are now only down to ,000 and my husband is thinking about filing NOW, after all we have already paid off! Is filing worth it?

We will be talking to a Bankruptcy attorney about this on Wednesday, but I just want to know now, if anyone has any ideas.

Thank You!

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]]> http://whentofilebankruptcy.org/should-we-file-for-bankruptcy-for-40000-in-debt-or-pay-it/feed 5 My husband and I had to file bankruptcy back in 2006.? http://whentofilebankruptcy.org/my-husband-and-i-had-to-file-bankruptcy-back-in-2006 http://whentofilebankruptcy.org/my-husband-and-i-had-to-file-bankruptcy-back-in-2006#comments Fri, 13 Aug 2010 18:03:57 +0000 admin http://whentofilebankruptcy.org/my-husband-and-i-had-to-file-bankruptcy-back-in-2006 It took the lawyer and the court system to actually finalize (discharge) the whole thing in September of 2007. In the meantime, our home was foreclosed on, which was included in the bankruptcy. Now it is impossible for us to buy a home for our family until the foreclosure has been 3 years or more. We didn’t want to file bankruptcy, I mean who really does, but I lost my job when my company closed and his (husband) paycheck couldn’t cover enough for us to keep our home. The bankruptcy isn’t what’s hurting us, at this point. It’s the foreclosure. Is there anything I can do to appeal the existence of this foreclosure on our report since it was the lack of filing in a timely manner by the lawyer that caused the process in the first place? Or is there any way around the foreclosure to purchase a home?
I’m not looking to sue….The lenders are the ones telling us that the bankruptcy is not the issue. Our credit score is good, we have established credit again, in good standings, just like before. We were never late EVER until the bottom fell out 3 years ago. Divorce was on the horizon….we have 2 children…I could go on and on. All I am asking is why is it that the foreclosure is so much more detrimental to our report and ability to get credit than the bankruptcy? we were trying to buy a house before the market went back up and we can’t afford it…….that’s what we have been advised to do by our lawyer. Is that not right after all?

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]]> http://whentofilebankruptcy.org/my-husband-and-i-had-to-file-bankruptcy-back-in-2006/feed 10 i need to file bankruptcy for my credit card debt? http://whentofilebankruptcy.org/i-need-to-file-bankruptcy-for-my-credit-card-debt http://whentofilebankruptcy.org/i-need-to-file-bankruptcy-for-my-credit-card-debt#comments Fri, 06 Aug 2010 15:44:56 +0000 admin http://whentofilebankruptcy.org/i-need-to-file-bankruptcy-for-my-credit-card-debt I have ,000 debt and wanna file bankruptcy?
i have 3 credit cards, and wanna file bankruptcy. heres one little thing…. one of those cards, i’d accidently typed my birthdate in wrong when i signed up, so instead of 1988, its actually 1986. and its been 3 years and i never bothered changing it back

the rest of the cards are all entered correctly, so when i file bankruptcy, what do i do? will it come up as a problem?

* 28 minutes ago
* – 3 days left to answer.

Additional Details

2 minutes ago
i have mental problems and cant keep a job.

i have no money, i cant pay my bills.

i cant get a consolidation loan because my credit sucks.

so if i dont file, what am i suppose to do? let all my bills default? go into collection? i have no assets anyway so they cant do shlt

1 second ago
pay what i owe, easy for you to ******* say.
thats actually what I did, for a year. I worked full time, worked full time. and barely made ends meet, I barely paid all the minimums, and got really depressed and sick of life, and thought about suicide.

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