This young man from countrywide reporting me Sabrina as filing bankruptcy to the credit bureau an as well countrywide have me listed under bankruptcy company. My name is Sabrina and Chadnezzar we have a loan with Countrywide when in fact Chadnezzar File Bankruptcy at the Russell Building in Downtown Atlanta with his Attorney Lee Frison. Jr at 1230 Peachtree st, 19 floor Atlanta,Ga 30309 of Atlanta file bankruptcy for Chadnezzar . Mr. Frison an Mr. Chadnezzar an myself have told Mr.Richard Briggs 1-972-608-6000 /1-972-608-6000 an countrywide BANKRUPTCY DEPARTMENT 1-800-669-5224 to remove me Sabrina from under Bankruptcy records and department because i never file an they are ruining my credit an my name an we even offer to fax the Bk papers which we know they have showing me not in BK at all, I never file this is unfair an deceitful practices. And he needs to be held accountable for what he and Countrywide is doing to my name. He keep telling me as well as those in the bankruptcy to get my bk attorney to call what attorney I told him what attorney, I never file bankruptcy in my life so they need to clear this issue up ASAP. This is like accusing someone of committing a crime when thirty people seen that person never did the crime. Do this give Attorney Mr.Richard Briggs and Countrywide Bankruptcy Department the right to practice deceitful law practice regardless if he and the company are breaking the law and knows it is wrong!!!! Mr.Richard Briggs And Countrywide Need to remove this from under my Name and Record and I need full VERIFICATION before I retain an attorney for RUINING MY NAME AND CREDIT AN THEY MAINTAIN THEY MAINTAIN ACCURATE INFORMATION ON THEIR CUSTOMERS. WHERE HERE IS DOCUMENT TO VERIFY I NEVER FILE ON CHADNEZZAR AN MR FRISON HIS ATTORNEY CAN VERIFY HE EVEN CALL IN THE PASS AN LET THE REPRESENTATIVES IN THE BANKRUPTCY DEPARTMENT KNOW I NEVER FILE AN ANYTHING WITH MY NAME ON IT NEEDS TO BE REMOVE FROM UNDER THE BANKRUPTCY DEPARTMENT AT COUNTRYWIDE. And I have a tape conversation to verify this is what is happening!!!

Technorati Tags: asap, atlanta ga, bankruptcy records, bk, breaking the law, countrywide bankruptcy, credit bureau, downtown atlanta, filing bankruptcy, frison, peachtree st, richard briggs, sabrina, young man

When I called and asked what happened, They told me that all necessary docs were filed and they have copies of everything that was filed and the copies show the court stamp as being filed, even the doc that the court said was not filed.
Then I was told that it was a court error. She told me she spoke with the court supervisor and was told that even if it was a court error,if i want to refile, I have to pay the full filing fee again.
They want me to pay for refiling, I disagree it is not my fault that the court files are incomplete.
Can the court make me start all over even though we can show them a copy of the missing doc which bears the courts "FILED" stamp?
Since I paid the lawyer to do the filing isn’t it the lawyers responsibility to guarantee her services since I provided all the information necessary for the filing? Isn’t it her responsibility to pay the filing fee to start the process all over again? Or should the court have to accept a copy of the "FILED" missing doc to complete the file and reopen the case without charging the full refiling fee/
this mistake
My lawyer has told me that I have to pay the filing fee again even though I am filing BK because I can’t pay my mortgage, I am in foreclosure, and I am currently not employed… I need what few $ I have.

Technorati Tags: bk, court supervisor, docs, foreclosure, lawyer, lawyers, mistake, mortgage

Help I hear so many diffrent stories and read so many diffrent answers who is right? I do not owe alot of money maybe 15,000 but I am tired of having bad credit! I just want a new start. I know because I have seen it people that file bankruptcy get to start over and enjoy having good credit again I just want mine clean! When I say I have seen it it’s because my god mother went through this and she has more credit cards, a new house better than the one she had before! I am only 25 I will turn 26 this year I only have one child and I want my own house before I am thirty so should I try to file and start with a new slate? Yes I know I owe the debt so before I get insults just give me advise I learned my lesson I want a new start and better life for my son
I am considered a low income, I have help from the state, food stamps and medicade. Will BK affect my son’s medicade? Will the state take it away

Technorati Tags: bad credit, bankruptcy, better life, bk, credit cards, food stamps, god mother, insults, medicade, money, slate, state food

I filed BK 13 a little over two years ago. A couple of months back I learned that one of the creditors added in Schedule B is reporting the debt as a collection on the credit report. I later received a letter from a collection firm representing said creditor. I took the letter to my attorney who said "okay we’ll sue". The paralegal said that I’ll be their guinea pig since they’ve never sued anyone. Since then, my attorney is not responding to questions that I have i.e. what are we sueing for, what are the steps taken, who pays for this etc..ANY QUESTION really. I have no clue what they are doing and am being blown off by the attorney and the paralegal both who were very nice up until that point. Also, my attorney put the wrong dollar amount on the schedule B as debt for that creditor but I’m being told the amount doesn’t matter as long as the creditor is included in the BK 13 they are going to be discharged (so the amount wasn’t changed). I am concerned that after the 13 has been discharged the creditor will come after me because of my attorney’s inability or unwillingness to take care of business. Any calls or emails are being ignored. I did receive one call from one of my attorney’s employees who stated that he is filing the claim (1 1/2 weeks ago) but my question whether or not I will receive anything on paper telling me what is being done etc remained unanswered. Basically, I don’t know anything, I don’t know what to look for and/ or what to expect. What should I do ?

Technorati Tags: bk, clue, creditor, creditors, guinea pig, paralegal

This sounds a little tricky but it’s not really. I am planning on filing bankruptcy in November as a result of a writ put on my bank account due to a credit card that wasn’t paid off (and I was never served the papers for).

I currently live in PA but will be moving to NJ in October which is in my favor pertaining to the BK I learned. Also I am adopting my cousin’s child who will be coming to live with me in Nov. I was told to wait until he is here to file because that will also help my case. My main concern is that I don’t want it to go to a chap 13 BK.

Any advice on what I can do right now to help set myself up for making sure it becomes a Chapter 7 Bankruptcy would be appreciated. Thank you for your help. Any spam answers, pointless one word answers etc.. will be reported.

Thank you,
Mary

Technorati Tags: bk, chap, chapter 7 bankruptcy, cousin, credit card, filing bankruptcy, s child, word answers, writ

I would like to get my husband’s business name secured and him have insurance, etc so when he does side work, he is insured, etc. I am just wondering if it’s okay to go ahead and set up an LLC if I am filing for bankruptcy soon? I don’t even know if he’ll do any work under this name before we file but I just wanted to secure the name, etc. Will they frown upon this even if the business doesn’t make any money? We want to do everything we can to pick up our income since obviously (provided by the fact of filing BK) are struggling tremendously? I just don’t want creditors attacking our business? I wish I didn’t have to file BK but we are left with no other options. We can barely afford our home anymore so I can’t pay these poor people back. My husband’s pay got cut in half several months ago and there was no warning at all. We are lucky at this point that he has a job at all compared to many others out there. I am hoping this side work will help us in the end and potentially even not be able to file BK and make settlements. Sorry…that is O/T. Do you think I should go for an LLC…it costs to file it as such and has many benefits. Thank you.

Technorati Tags: bk, business name, creditors, filing for bankruptcy, insurance, job, money

My mother and I both own a home (both of our names on the deed). I’m considering filing chapter 7 BK, and was wondering what will happen to this home we both own?

I (not my mother), have an equity loan on the home with a balance of k. The home is worth about k – k.

My question is, if I’m current on the payments when I file BK, can the home still be taken?

And if during and after the BK is discharged, and I’m still current on the payments, can the home be taken?

Thank you!

Technorati Tags: bk, equity loan, filing chapter 7

I filed for Bankruptcy in California in 2004. I have just found out when trying to refinance that there is an abstract judgment filed in 2001 in Orange County. 2 part question, Should/Can I file a motion to re-open the chapter 7 and try to include the judgment and have removed? approx cost? The judgement was for ,500. I need the lowest cost option to remove the abstract judgment/lien.
Do I have any recourse on my title insurance because I wasn’t aware when I purchased my home in 2008 there was an outstanding judgment and was under impression the BK included everything? (The BK was due to medical emergency at the time, orginal BK attorney no longer has paperwork)

Technorati Tags: bankruptcy, bk, chapter 7, insurance, judgement, judgment lien, medical emergency, orange county, paperwork, recourse, title insurance

Help!!! my car has just been reposessed, if you been thru it before , please give me some good advice?
They reposessed the car last week, and told me i do not have the option to bring the payments current , they now want the full balance which is k, they also told me to get a loan with someone else, they done doing business with me. I have tried paying my car note on time, but i have had some financial woes lately, raising a little baby by myself without the father’s financial support, so it has been tough for me. My major concern right now is when they will take me to court for the remaining balance, because i definitely will not be able to pay a k car note without having the car, i simply can’t afford it, should i get a lawyer to represent my case against the bank, or should i file for bankruptcy, i never even wanted to file bk, but i may have to……i need your advice, thanks
Category
i will use my tax refund next year to buy a car with cash outright and just fix it up if need be

Technorati Tags: bk, doing business, financial woes, good advice, lawyer, little baby, should i file for bankruptcy, tax refund

I’m in the process of filing BK chapter 7. I’m surrendering my vehicle. How long does it take for them to take it from me. Can it be as soon as they receive the notice of filing or when its discharged.

Technorati Tags: bk, chapter 7

I’m in debt about 50K again. When can I file again or should I? HELP. I need info if a BK shows on your credit for 10 years but you can file every 8, will I have 2 BK’s show up. How bad is my credit?

Technorati Tags: 10 years, bk

I have about k in credit card debt. I just recently have been having trouble keeping up with payments due to job and economy. I spoke with the creditors to make arrangements to pay lower amounts and close out the accounts. Over 0 a month just in paying those back. Now am being sued by a former employer for charge offs (commission job). I cannot afford an attorney for a civil suit (don’t know what to do about that either) and two if I lose I can’t afford to pay more than I already am (more than the 0 i’m already paying). Do I wait until after the lawsuit to file BK? Or should I start the process now? Not sure how civil suits can be handled and if you can file BK on a judgment like that. Please help as I am in over my head and am scared I won’t be able to survive if majority of my paycheck goes to creditors and lawsuit judgment. Thank you!

Technorati Tags: bk, charge offs, civil suit, civil suits, commission job, credit card debt, creditors, economy, judgment, paycheck

I’m 25.. I don’t own a house, but have about k unsecured debt I owe and want to file BK… Additionally, I have a 2 yr new car currently financed for an additional k I want to keep.. I know attorneys are expensive in my area Van Nuys/ West San Fernando Valley, so am finding myself at possibly going with a paralegal.. Please help, and advise if this is smart or not… I definately don’t want to lose my car… Thanks!

Technorati Tags: attorneys, bk, new car, paralegal, san fernando valley, unsecured debt, van nuys, west san fernando valley

Don’t give me a "debt management" of "consolidation" solution as I will report you as a SPAMMER.

I have already begun the paperwork for Chapter 7 bankruptcy and know it will be a long hard road to fix my credit.

This is for those who have already or are in the process of filing for BK or those who know the process well, ONLY.

Fed law requires pre-filing counseling and a "certificate". I can do the counseling class online which I prefer. What companies have people who filed BK used for pre-filing counseling and and post-discharge counseling?

AND if you think I can get around the BK with the amazing "debt consolidation company" you are about to mention, don’t… it just shows you haven’t read my question and have no idea what the process is all about. I have no other options but to file BK right now.

And please don’t preach to me about the evils of credit or bankruptcy or how great your loan co or debt consolidation co is. I’m experiencing the evils and just want my life back

Technorati Tags: bk, chapter 7 bankruptcy, counseling, debt consolidation company, debt management, evils, loan co, paperwork, spammer

I am filing for Bankruptcy but cannot afford a lawyer. I found bankruptcy services for so much less, but don’t really know which one to choose.
Does anyone also know by chance any inexpensive Bk Lawyers in San Diego?

Technorati Tags: bankruptcy services, bk, filing for bankruptcy, lawyer, lawyers, san diego

A chapter 13 bk is likely in my future. I’m looking for some real world pros and cons about this scenario:

I’m in chap 13 and making my payments, and I see a 00 auto repair coming at me. Would the trustee let me slide on 00 worth of payments to take care of the critical auto need ? IE, how do judges handle unanticipated expenses that happen while you’re in chapter 13 ?

The other alternative that I see is – stop paying my mortgage and bank those funds. Hire the bk attorney, get it all ready to file, then sit on it. Keep ignoring the mortgage and accumulate some cash until the foreclosure sale is imminent, THEN have my attorney file the chapter 13 to stop the foreclosure and add the mortgage arrears into the payment plan. This gives me a cash cushion to handle the surprise expenses.

Comments please ?

Technorati Tags: auto repair, bk, cash cushion, chap, chapter 13, foreclosure, mortgage arrears, pros and cons, real world, surprise, trustee

I am considering filing for chapter 7 bankruptcy. I qualify based on the means test, but I purchased an investment property with a business partner 2 years ago. there is no mortgage on the property and it’s only worth about 40k. How would a trustee normally handle this property since there is another owner who is not filing for bk and is not my spouse? does that make that property exempt?

Technorati Tags: bk, business partner, chapter 7 bankruptcy, investment property, means test, mortgage, trustee

I have about ,000 in debts. Mainly from credit cards dating before 2002. I used to pay my bills on time, however, in 2002 I was diagnosed with a disabling illness and fell way behind on my bills. I no longer am able to work and have been on Social Security Disability Insurance for 6 months now. Would it be worth filing for Bankruptcy? or should I just wait till the "7 year reporting period" from creditors have passed, and not file? I really want to improve my credit rating ASAP! Also, I live in California and I’m planning on moving to Texas very soon. IF I should file for BK, Should I do it in CA or TX?

Technorati Tags: bk, credit cards, credit rating, creditors, debts, filing for bankruptcy, insurance, security disability insurance, social security, social security disability, social security disability insurance

I am considering filing for BK and I am wondering if I could file a la carte, excluding things like my car note and my mortgage. Will either of these be affected by my filing even if I do not include them? Can you get protection from utilities? D.i.D.(Damsel in Distress).

Technorati Tags: bk, damsel in distress, mortgage

I know a corporation and probably a LIMITED partnership requires an attorney to file a BK in California, but does a 100% general partnership have to hire an attorney as well or can it go "in pro per"?

Thanks!

Technorati Tags: bk, limited partnership