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 would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it actually stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?
it’s medical billings idiot i never borrowed money. It’s people like you that didn’t want obama to pass the free health care bill!

Technorati Tags: 10 years, apartment, banks, chapter 7 bankruptcy, checking account, credit report, credit unions, experience chapter, free health care, health care bill, medical billings, money

I would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it acutally stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?

Technorati Tags: 10 years, apartment, banks, chapter 7 bankruptcy, checking account, credit report, credit unions, experience chapter

Does anyone have any suggestions as far as applying for a mortgage after a bankruptcy? My husband and I filed for bankruptcy last year. We were discharged on December 1, 2008. We live in SC and the company he works for is about to downsize and he’ll probably lose his job in September. But if he transfers to Delaware he’ll be able to keep his job so that’s probably what we’ll end up doing. We’ve been looking at homes online but haven’t been able to find many rentals that fit our needs. But we did find a great home, with 2 rental units for 5,000. So I was curious …

1. What kind of chance do we have of being approved for a mortage (in the 3K-5K range) so soon after bankruptcy?

2. In applying for a mortage do they take the rental units into account? (They’re both being rented right now for 0 a month each)

3. Can anyone suggest any websites or banks we should apply to?

Thanks for any help

Technorati Tags: 3k, applying for a mortgage, bankruptcy, banks, delaware, job, mortage

Where can I find a loan with poor credit rating? I have a loan with a lender, but, it’s at such a high interest rate and need to get my payments cut. Banks don’t want to talk to me. (No Nigerian lenders, please). I’ve tried Prosper (have a current listing), but no bites, yet. I’m already working 2 jobs and do not want to file for bankruptcy. Divorce has put me in dire straits. Is there ANYONE out there that can help? I myself actually prefer online bad credit payday loans lenders but i dont know what site I should do the search. Can you help? Thanks

Technorati Tags: bad credit payday loans, bankruptcy, banks, dire straits, divorce, high interest rate, jobs, lenders, poor credit rating

I originally went thru them for BK filings and everything went great. One year later my friend did the same thing, they took his money and never did he recieve a response after that. We have called left message on a voicemail but nothing and that was 3 months ago. When you have to file bankruptcy 9.00 is almost your world. What can we do go to the banks or the local authorities?

Technorati Tags: bankruptcy, banks, bk, left message, local authorities, money, voicemail

Hello.

I am currently 20 years old, and my father is 49 years old. I find him to be extremely repugnant. He is abusive (emotionally, mentally, and physically). Though, I haven’t received any physical abuse from him in years ever since I was 13 when he attempted to abuse me when I was doing my homework and eventually fought back because his logic was incoherent, he is a repetitive user of mental and emotional abuse. (He blamed me for hacking his computer proclaimed me a computer savant, whom I did not hack.) In the last ten years, he has been compulsively borrowing money from several banks eventually leading up to my family’s current financial situation, which is bankruptcy. He blames us for his mistakes, which I presume, is scapegoating. I’ve noticed that he has chronic narcissistic personality disorder. (If you don’t know what chronic narcissistic personality disorder represents, please do research.) He believes he is always right even when dealt with the reality of the situation, always blames his problems on my mother and I, compulsively threatens me that physical abuse is coming my way if I do not apply for jobs (not knowing that I have already and was unable to be accepted into any), he is lazy and sits in front of the computer everyday after work (internet addiction disorder, IAD), he procrastinates on his office work in the morning and blames his habits on us stating that he is unable to sleep at night when he is the first to sleep but wakes up several times throughout the night and goes to the computer to chat with the women he has been using to cheat on my mother with which lead to the debt and bankruptcy. Every time I use logic against him, he threatens me with statements of upcoming physical abuse and mentally stating that he is sick, holds his heart and head saying that he is going to die of an aneurysm or heart attack or stroke. (My grandmother from his side of the family died of an aneurysm or a stroke while sleeping.) I’ve told him that if he continues to walk down this road, this road of threats of physical abuse, I will call the police and press charges and file a restraining order. Oh, by the way, he isn’t paying rent and hasn’t paid rent in almost a decade and a half and my mom is paying for his debts. Technically speaking, he is considered a deadbeat loser at this point.
My question is do you believe I should detach myself from this bastard? Should I have the police take care of this potentially dangerous situation if he continues to threaten us? Should I press charges? Should I file a restraining order?

P.S. I would like to keep my privacy. Only serious answers please.

Technorati Tags: aneurysm, bankruptcy, banks, borrowing money, coming my way, emotional abuse, financial situation, grandmother, heart attack, homework, internet addiction disorder, last ten years, logic, narcissistic personality disorder, physical abuse, scapegoating, several times, sleep, stroke, work internet

You say you can file, but get it dismissed and not actually go bankrupt? How do I do this?

Also, I AM in a judicial state with homestead which is Florida. You say you’d just demand the note. However, I’ve heard from all these Republican bank-loving idiots online say these banks have all the records and we commoners can’t really demand them anyway without an attorney. Is that true? If not, how can I do that now and just get out of this mess?

Technorati Tags: banks, commoners, homestead

I can’t get a new bank, I can’t get a good phone carrier, and I don’t know if colleges take credit into account when giving me financial aid. What should I do?
It’s not for a credit card. I just have bad credit
Well, Jerk, I am in debt. I’m in debt to 2 different banks. I’m in debt to T-Mobile. I’m in debt to my landlord. That’s all.

Technorati Tags: bad credit, banks, colleges, credit card, financial aid, landlord, new bank, phone carrier, t mobile

After you file for bankruptcy several years ago let’s say 4 , can you get a home loan with a decent rate? Or how long should you wait before trying to get one? If you have a stable job since 6 years and making 60 000$ a year will you have more chance to be approved? Is there a bank that has better reputation when it come to home loans I mean some banks are more hard than other to get a loan ? Pls give me information that might help. Thanks

Technorati Tags: 6 years, bankruptcy, banks, decent rate, home loan, home loans, reputation, stable job

How would you solve our foreign diplomacy problems? Bomb all of our enemies? Do we start nuking Korea, Iran, Iraq, Egypt, Pakistan, Palestine China. Would that solve it? Then what do we do with all those dying people?

How would you solve our financial problems? Let every company now fail, and all the banks fail? GM fail, all housing in foreclosure, and all people on the streets?

How would you solve our health care problems? (One in four bankruptcies is now caused by inability to pay medical costs). Would you just turn away anyone and everyone who is dying if they cannot pay? If they are in a car crash, do we let them die in the wreckage if they cannot show a medical insurance card?

I find lots of you on here are big to criticize, but I find no real alternative solutions.

Take one of these and discuss it.

Technorati Tags: alternative solutions, bankruptcies, banks, bomb, car crash, diplomacy, egypt, enemies, foreclosure, gm, health care problems, insurance card, iran, iraq, korea, medical costs, medical insurance, pakistan, palestine, wreckage

My husband and I have just lost our jobs and we own 3 properties that are not worth what is owed on them. We have great credit scores but cannot get the banks to talk to us about alternatives to keeping the properties at a reduced payment or sellling on short sale. We have to ruin our credit first and then they might talk to us… We have have the properties on the market but cannot sell without going to the table with large amounts of cash.
If these properties foreclose or we go into bankruptcy.. Can the creditors attach or take our retirement savings to satisfy debt?
thanks for your help..

Technorati Tags: bankruptcy, banks, credit scores, creditors, foreclose, jobs, retirement savings, thanks for your help

When a person files for bankruptcy,do the credit card companies/ banks (or any other institution that person may owe money to) collect on the debt? For instance, if John has acquired ,000 in Credit Card debt. Once he files bankruptcy, does the Credit Card Company lose out on the money or does it some how acquire some or all of it? Is foreclosure and seizure of property after bankruptcy done for the purpose of paying off any debt?

Technorati Tags: bankruptcy, banks, credit card companies, credit card company, credit card debt, foreclosure, money, person files, seizure

I am not eligible to receive a student loan by myself because of my young credit of only about a year even tho I have an excellent score.
I am not able to have my parents cosign for me because they are coming out of bankruptcy a little over a year out and have re established their score. but the loan companies and banks say it needs to be 2 years. I recently transfered to a very expensive school. I did receive a scholarship, but it doesn’t quite cover the cost, which including housing is around 40k per year. I have excellent grades deans and presidents list every quarter of my 3 year length college career.
But what I really do not understand is how on a deferred student loan you are required to have a co-signer when they can be removed as your co signer after 18- 24 months.
This does not make much sense to me and if anyone has any kind of alternative ideas comments or solutions I would appreciate everything I can get my hands on.

Thank you

Technorati Tags: bankruptcy, banks, co signer, college career, loan companies, parents, presidents, scholarship, score, student loan, tho

I have a family, we don’t charge anything anymore. Been paying on these bills for several years. Make good wages, all goes to credit card payments. Have about 120 bucks a week for groceries, gas, entertainment. I’m gonna whine here a bit so bear with me, I have made bad decision with my finances, put money into our house that is now maybe worth what we owe on it….Is that any different than the banks making bad decisions? You know, the whole bailout thing. Where’s mine? Or at least a low interest government loan.
Madoff, i agree with your comments. My house is not the issue.I give 65k for it with some land. My wife and i make that much per year. I don’t think i’m house poor. We all make bad decisions in our life. And i would be glad to pay my debtors back. But i can’t do it with 20% interest.

Technorati Tags: 120 bucks, bad decision, bad decisions, bailout, banks, credit card payments, debtors, government loan, groceries, money, wages, whine

a job at several banks. Every time I get a call back from a recruiter for the company or get an e-mail saying I should be hearing from someone at the bank to set up an interview. I never hear anything else from the bank and since I have to sign something authorizing them to do a credit check during the application process I am afraid this is why I’m not hearing from them. Is this possible? I’ve read that it is illegal for them to not hire you because of info on your credit report, if this is true why do they insist on checking it? How would you know if that was why you weren’t hired they certainly would never admit it if it is illegal? I know this is a separate question but the last time I asked a similar question on this website my email kept saying I had a new answer but every time I looked there was no answer to read. When I pulled up my question It said there were four answers but when I looked at the question , only one answer was showing.

Technorati Tags: application process, banks, credit check, credit report, e mail, email, job, last time, recruiter

Today I found out I lost the house I have had a contract on since last April (2009). I was attempting to buy a house in short sale, the house went into foreclosure and so I have been waiting a long time for the banks/FDIC to get it all together so we could close. Well, Obama signed in a new law (July 2nd, 2009) forcing people who have had their homes foreclosed to return to their homes and in turn forcing the banks to refinance. The alternative for these people is to file bankruptcy (which some have already done, and others have found a solution to just barely stay financially afloat). This may sound like a great solution for all the unfortunate families who have recently lost their homes, but in truth it is a disaster. Who is to say these people can afford or even want to move back?
In my case, the house I was attempting to buy was owned by a family who were over their head with a double mortgage. They were forced to foreclose and have since downsized and purchased a new home. Now with the new law they will be forced to return to their previous home or face bankruptcy. They will have to find a way to sell their current home, which of course is very difficult in today’s economy. The previous owners do not want to return, they can’t afford the move, nor the wait to sell their current home, which they probably won’t even be able to sell in today’s economy.
As for me. I am losing close to ,500 in money spent on contracts etc. I of course have no rights and will not be able to recoup my losses.
Thousands of foreclosed homeowners are dealing with similar situations. For some this may be a blessing if they are still searching for a new living situation. Of course this doesn’t teach any lessons other than to live beyond your means and don’t worry about the consequences because the government will bail you out. Be financially responsible and get screwed. For others they are facing difficult decisions deciding what to do with their new lives and the homes they are being forced to return to. Then for all the buyers, who have been in contract to buy these foreclosed homes and begin to repair the hole in the housing industry. Well they are all SOL and out a lot of money, like me. Believe me, with my meager salary that is cut in half by taxes, ,500 is SUBSTANTIAL!!!
So I ask you, where are our freedoms going and why do we just let the government take them? How does this stimulate an economy? All I can foresee is a rise in bankruptcy and a lot of people losing money.
Of course there are tons of other issues we can discuss that provide similar examples our diminishing freedoms, and the socialization of our country. Such as, when 80% of the general population is happy with the health care system yet government chooses to change it, control it, and force their plan down our throats.
How can anyone be happy with Obama?

Technorati Tags: bankruptcy, banks, consequences, contracts, difficult decisions, disaster, economy, fdic, foreclosure, great solution, long time, losses, money spent on, mortgage, truth, worry

Well, it is ashamed to ask this question but it is true that I’ve been living in this condition for couple years now and it made me so depress because of my personal financial problem. But I am still hoping and trying to find everything I could to recover my credit. I hope I will get some advise from you guys out there to help me start rebuild my financial life again.

Since last 5 years ago the first time I moved to this country I started apply my first credit card with US Bank, I’ve been living so happy with it, I thought it was cool when using credit card, I spent money like a rich kid, and I got a really good credit, then I applied for any other cards from one bank to other banks till I ended up with 5 different credit cards. Then 3 years gone by I couldn’t handle these credit cards, I ran out of control and ended up with a balance of 22K at the age 27 years old now, so still there is a long way to go, if I am keep paying the minimum payment like this I will end up paying those creditors for my whole life. I did try credit card consolidation but it just reduced my interest rate Now at this time I decided to go with debt settlement company in order to get rip of this debt and start a new life, but of cause it gonna take me couple years to settle this 22K debt. Now I m paying the settlement company 0/month for 28 months to settle my debt.

So first of all please ignore my grammars I know you understand what I am talking about, but I am seeking for advise from you guys out there:

1. I can possibly maintain my monthly payment of 0 to 0 toward my debt, so is there any alternative way beside debt settlement and bankruptcy to get rip of this debt? now my credit score gone so bad and there is one collection on my credit already, and soon there will be more as I am enrolling in this debt settlement.

2. I start looking at peer to peer loan and sound like an other option for me as long as I have a co-borrow with a good credit, but I am kind of hesitated and not sure how legitimated it is. Can anyone advise me if I should go with it?

I am making 90K from my job but I am still living in this horrible life because of my debt. This is a really bad experience that I am currently having in my life and I hope everyone who read this post will learn from what my mistake was, and won’t go on the same path as me.
Yes I will looking into my daily living expense and hope I will cut some of them. Originally, it was 35K on my balance but then I tried to sell most of my asset (Stock, I don’t have a house) and brought it down to 22K. So at this moment of 22K debt I have nothing beside my monthly salary. I am so upset when I see most of my friends now they bought houses even they make less money than me, I was really poor in my money management.

Technorati Tags: 3 years, bankruptcy, banks, credit card consolidation, credit cards, credit score, creditors, debt settlement, grammars, interest rate, minimum payment, money, personal financial problem, rich kid, settlement company, us bank, whole life

I just out of the blue received two letters for two of my chase bank accounts, saying that they elected to close my accounts because of: 1 incident of a returned payment on the accounts, too many accounts opened recently, and too many inquiries.

Anyways, these accounts used to be wamu credit cards, which recently switched over to Chase, and not even a month or two into Chase..chase decides to just close my accounts just like that.

Now…what the HECK did I do wrong, so majorly wrong that they decided to do that? why would credit companies do that?

they already jacked my interest rate up to 29.99% and if that wasn’t enough..now they decided to close both accounts.

First of all, will this look bad on my credit score, and how long will this affect my credit score, second of all, WHY are they such …Aholes and out of the blue did this,…even though my payments and history have been on time and great,

and third, can accounts ever be reopened, or once they’re closed, that’s that?

I’m just shocked. Is this because of the economy and the credit card industry suffering, or is this because of something else?

I just am scared..I knew that credit cards were slashing credit lines, jacking interest rates and adding other unfavorable things, but now…I didn’t expect this out of nowhere. I’m terribly disapointed, and I guess there goes two years worth of positive history….just because of one returned payment (which was my banks fault for putting my money on hold), and because they claim i have too many new credit cards and inquiries, because I’m trying to re-establish my credit after going bankrupt in 2005.

Oh well. chase is horrible.

I heard that a new law is being passed to keep them from doing that, to make it harder at least, but at the same time it will be harder to obtain credit.

Any ideas?

Thanks.

Technorati Tags: banks, chase bank, credit card industry, credit cards, credit score, economy, inquiries, interest rate, interest rates, money, out of the blue, suffering, two letters, wamu, what the heck

I really have no family that will help as we were never close. I have thought carefully about suicide but would anyone care? I can’t open an account to get social security why no address. Plus the banks look at you like your scum, maybe I am, they didn’t think that way when I was put 1000’s of dollars in the bank. I also have 1000’s of dollars in credit card debt from 3 yrs ago and should file bankruptcy but can’t do that either no address.I don’t know what to do. I stay clear of homeless help places because I am embarrassed and don’t want there hand outs. I just need to file taxes ( I owe nothing but did cash in an old ins. policy for money) and can’t seem to get help. I went into HR Block and all they did was rub there head. I have found out in this great country if you have NO phone or address you can do nothing. Is there anyone out there that can help or is it better to just end it all. Please help……
I can’t thank everyone that took the time to answer my question. Just knowing that someone out there is thinking of you always helps. Isn’t it odd that family who really could help choose not to because you made or had some one for you make the wrong decisions in life. As for church thats a joke, I give up on them years ago. While driving to church one day I saw a young man digging in the dumpster so I stopped and feed him and also gave him as much food as he could carry. He didn’t want much because the others would steal it. I told my minister we should open the church kitchen one day a month and feed the hungry people. His answer was "someone that doesn’t deserve it might get free food". My answer thats between GOD and them. I just can’t bring myself to ask for help it is embarrassing to know you failed in life. When the money ran out so did my wife. But a BIG thanks to all of you that care…
As for the internet very easy I still have a broken down laptop and wireless so I walk to the nearest in town motel and set by the back door and wahla, internet for free.You can also go to the truck stop and use theres. Maybe that’s stealing I hope not. But why is it the illegals in this country can qualify all the things I can’t? I hate to lie so filling out forms with false statements goes against my teachings.

Technorati Tags: back door, bankruptcy, banks, church kitchen, credit card debt, dumpster, free food, god, hand outs, hr block, ins, joke, laptop, money, scum, social security, suicide, town motel, wrong decisions, young man