Me and my wife after several months of financial hardships have contacted a attorney for possibly going into bankruptcy. We are current on all our bills and always have been. She had to leave her job in January and has not been able to find work since, to try and make up for this I went into a online venture which ended up me being scammed for about ,000 from a credit card I used. We lived off borrowed money and taxes but that is all gone. My question is this, I have no money…I mean no money at all. My refrigerator is broken so we have had to eat out at fast food for the past few weeks. Things are crappy and I need money to get by, however I don’t want to get into trouble for using my cards when I plan on filing for bankruptcy. Is it acceptable to use them for things such as food, clothing, gas etc… I would greatly appreciate any help you can provide. I feel bad enough for being pushed into this but don’t want to get into legal trouble if we do file. I have yet to speak to a attorney and don’t even know if I qualify. So is ok to use the cards for these things? Would be ok to use a credit card to buy a new refrigerator? or to pay to maybe get the old one fixed???? PLEASE HELP!

Thank you so much in advance!

Technorati Tags: cards, credit card, fast food, filing for bankruptcy, financial hardships, food clothing, job, legal trouble, money, refrigerator

My credit score is not that good (between 584-624 for each bureau), and I was wondering if I should get a credit card to raise my score, or if it will go up substantially when my brankruptcy goes off of my report (in 2008)?

Technorati Tags: brankruptcy, credit card, credit score

I am going to file chapter 7 bankruptcy in Maryland and I have a joint credit card between myself and my son. What I would like to do is keep the credit card so I still have something for emergencies after I file bankruptcy. Do I have to list the joint account when filing bankruptcy? Because I would like to keep it open and keep making the payments as usual, and if I did list it could that effect my sons credit, even if he makes the payments, since he is joint on the account?

Technorati Tags: chapter 7 bankruptcy, credit card, emergencies, filing bankruptcy

long story short – my ex-boyfriend open a credit card (,000) and made a second card for me. I’m not a co-signer on this card – only a 2nd card holder for this credit card. When I got this card I did not give out any of my information. When we were together, I was paying for the credit card but now that we’re not, I stopped paying for it. It has now went to collection agency and they want my ex to pay for it but he doesn’t work and has no source of income. He has no property and he does have a car but the auto title is under his parents name. He is living with a friend right now. He told the collection agency that he can’t pay for it b/c he’s not working. What will happen if he doesn’t pay for it? Should he filed for bankruptcy? Can the collection agency come after me and force me to pay for the balance?

Thanks

Technorati Tags: auto title, bankruptcy, card holder, co signer, credit card, parents name

Last year at this time my credit score was 750, but over the past year I have had some financial crisis and am very deeply in debt. I talked with a lawyer today and I understand the difference between chapter 13, and 7. My question is, other than the obviouse destroying my credit, how will filing chapter 7 affect me? Will I ever get a credit card again? Will I lose my atm/debt card? Will I be able to rent a house or apt after my foreclosure? Please, anyone who has any experience with this, any info would help.

Technorati Tags: atm, chapter 13, credit card, credit score, debt card, filing chapter 7, financial crisis, foreclosure, lawyer, obviouse

Due to my ex-husband being a co-debtor on some medical bills for our 2 sons, he will be receiving a notice that I am filing bankruptcy. I do not want him to know my business because it’s his fault I’m having to file. He has to receive the notice by law since he is responsible for 1/2 of the medical bills (which he never pays). During the divorce he was ordered to pay on a credit card which my name was listed first. Well he never paid and know I’m being sued for k. I had no other options but to file for bankruptcy. I filed today and he will receive a notice and become privy to my filing for bankrupcty. I know he will call me and give me crap. I don’t want to deal with him. I would just like some good come back to say to him when I get the call!!!!!

Technorati Tags: bankrupcty, credit card, debtor, divorce, filing bankruptcy, medical bills

PLEASE READ THIS DETAIL! I really need advice…
Just today while my mom and I were in the car, we just came from the grocery store and were talking. We talked about how the people on section aid and government aid were able to get SO MUCH food, dress better than us, and even sometimes live better than us. We live in a nice city bungalow home in a nice neighborhood next door to a University, but I’ve noticed that getting groceries every month is a struggle with all the bills that needed to be paid and any other additional thing I might need for school, etc.
My mom has a job that pays quite well per hour, but they tax her A LOT. She is taxed for senior citizens (because in the past her job took out money from the previous employees pension check so now the current workers HAVE to take out money for their wrong doing), taxed for city, state, pension, and the optional dental and doctor insurance (but who wants to live without those necessary things!?). So by the time she receives her first check, it ALL goes to the mortgage bill for the house. Her second check goes to house hold bills (light, gas, water, telephone, cellphone, car, etc.) Leaving us with very little money to live off on. She has tried receiving some kind of government aid to help pay for the gas and light bill, but they said she was making too much money…which isn’t true AT ALL. They’re not looking at how much she’s being taxed and how much she has to pay for bills.

Anyway, my mom got upset and told me, "Once the job lets me go (they are firing her on my birthday because of the ‘financial crisis’) I will blow up my credit card and pay off the house, the car, and some of your college tuition for 2 years. After that, I will file for bankruptcy because I’m tired of doing the right thing, but get nothing for it. I’m always getting screwed over. We have to work REALLY hard to get just what we need when people on section aid and government aid don’t have to work as hard to get what they need or WANT." I explained to her that her credit score was PHENOMENAL and she shouldn’t make that decision because she worked YEARS to have such a great score. But she said she didn’t care. She was tired of it. She said it wasn’t going to affect me in any kind of way so why should I care? …I got really sad and wanted to cry to think that she wanted to give up like that and even think negatively like that, but could you blame her? My mom has always made the right decisions financially. She bought her first house when she was 18 and has NEVER missed a payment on it. We lived there until I turned 12 and moved to another house with a better neighborhood so…i don’t know what’s gotten into her.
What should I do? Is it in my right to tell her to make a better decision? I’m a senior in high school so what can i do?! I don’t want my mom to stoop so low….please, help me. Serious answers, plz. :’(

Technorati Tags: bankruptcy, bungalow, college tuition, credit card, doctor insurance, doing the right thing, financial crisis, gas water, government aid, groceries, grocery store, insurance, mom, mortgage bill, nice city, nice neighborhood, pension check, senior citizens, state pension, struggle

When I was 18 I got my self into quite a bit of consumer debt. Most of it has not been paid off and it doesn’t look like I am going to be able to deal with it anytime in the near future. I just got a call informing me that a bank has filed a civil claim for close to 00 for a credit card with a balance of 00. They haven’t found me to serve me papers yet but I’m wondering if filing for bankruptcy will help get rid of all this baggage. I have two kids now and my husband just lost his job so I legitimately do not have the means to pay of my debt. Anyways I’m not sure what my best option is.

Technorati Tags: civil claim, consumer debt, credit card, filing for bankruptcy, job

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’m meeting with a bankruptcy attorney tomorrow morning. This is only because in 6 months, I have been unable to find a job and my unemployment is going to run out. I want to start a criminal justice program and I originally had planned to wait till I had a job to make monthly payments, but would it hurt to add the 0 to my already 00 credit card today? I have about ,000 in debt before adding the criminal justice program. This is a mix of credit cards, medical bills and student loans. Does anyone know? Thanks!!

Technorati Tags: bankruptcy attorney, credit card, credit cards, criminal justice program, job, medical bills, student loans, tomorrow morning, unemployment

I filed chapter 7 bankruptcy on November 16th of 2009. I just went to court on January 11th, 2010. Is there anything special I need to do before I file? I worked a couple jobs last year, 1 for 9 months and the other 3 months, random jobs. I was reading online that some items included in the bankruptcy may be taxable? How is this possible, if the item isn’t owed or if it was a car, taxes weren’t paid but weren’t fully charged, right? I understand on credit cards, if I purchase things they are taxed and the taxes are included on the charges made to the credit card, which I didn’t pay, of course, since I filed bankruptcy.

I don’t really know what to exactly do, will turbo tax do it or do I need to hire a specialist? Thanks!

Technorati Tags: 9 months, car taxes, chapter 7 bankruptcy, credit card, credit cards, jobs, turbo tax, year 1

I have about 00 in credit card dept and another 6 in medical. Its not that I didn’t pay on them its that I was in a car accident and my medical went into collections and messed my credit up and when I went to do a balance transfer I was denied..so I couldnt make my minimum payments when my rates went up after the initial 6 months. I would make what I could every month but adventually I couldnt keep up. HSBC would not work with me and sent me into collections. I was very supprised they woldnt work something out other than 0 payments per month. should I file for bankruptcy? I wont ever be able to make good at this point with my income and financial standing. I am not willing to go through a 800 credit debt program I work for a financial institute and they said you end up paying way more than what you owe this way. What other options do I have?
how much does fileing bankruptcy cost about?

Technorati Tags: balance transfer, car accident, collections, credit card, credit debt, debt program, financial institute, minimum payments, should i file for bankruptcy

Im 20 years old and got into a big problem when i was 18-19.

I had a credit card through my bank and then decided to get a car. i went to one of those car places that approves you even if you dont have good credit. needless to say all of the payments got me caught up and because of some life events i ended up not being able to pay any of them. My car was repo’d and my credit card and bank account are charged off now. At this point im getting called 10-15 times a day from the car company and collections. Its been about a year since my last payments and my family thinks i should file bankruptcy.

I really want to get this cleared up but im not sure how to get started!

If anyone has any advice please help!

Technorati Tags: bankruptcy, car company, car places, collections, credit card, repo

I was scammed useing paypal 00 I recently sold a gaming account and i made a purchase already. my account is -00 And i can not afford to pay it off. What can happen to me and will i go to jail? They filed a claim stateing that the paypal account they used was someone elses. And if they paid with a credit card useing paypal. paypal will not let me win the dispute because of there eula wich states they will not interfier with other payment options in there system. The account that i sold is against the games eula aswell your not alowed to sell the account or buy it. If paypal files a claim to the collection agency against me will i go to jail if i can not pay it? I can not afford it i needed the money hense why i sold the account in the first place. Can i go to jail for this? Can i file bankruptcy as an alternative towards this if the matter escalates into something serious?

Technorati Tags: bankruptcy, credit card, escalates, games, gaming account, hense, money, payment options, paypal account, someone elses, stateing

I’m declaring Chapter 7 bankruptcy. I incurred a large amount of debt (about K, all credit card). It began with buying an older car that cost me hundreds a month in repairs and continued through other forms of bad luck (a huge roaming charge on a phone plan with a grandfather clause, unemployment, etc.). I’m not the stereotypical shopaholic who wants to get a lot of stuff for free…anyone who saw my lifestyle would see that I don’t live extravagantly.

I went to one attorney who quoted me 00, which seemed like a lot since my case is pretty cut and dried. I know a paralegal who will prepare my documents for 0, but once the docs are done, I’m on my own, and I really don’t want to face a bunch of corporate attorneys by myself at a creditors’ meeting, so I’m thinking of hiring an attorney.

I figure I could pay something like 00 (0 up front with three or four monthly payments beyond that) for an attorney to draw up papers and defend me at a creditors’ meeting. Is this a reasonable fee to expect?

Technorati Tags: bad luck, chapter 7 bankruptcy, corporate attorneys, credit card, creditors, docs, grandfather clause, lifestyle, paralegal, shopaholic, unemployment

My mother is planning on filing bankruptcy in 6 months…she still has room on her credit cards… we would like to pay off MY credit card that has 00 balance on it with some of the convenience checks from one of HER credit cards. How realistic is that? Upon filing bankruptcy, would she be held liable to pay off that amount?
Please, objective feedback is appreciated.

Technorati Tags: convenience checks, credit card, credit cards, filing bankruptcy, objective feedback

All my negative credit is from hospital bills. My car and the only credit card that I have ever had are all in perfect credit.
So is it worth it to file a chapter 7 bankruptcy? The hospital bills total over 0,000.

Technorati Tags: chapter 7 bankruptcy, credit card, hospital bills

I am a 21 year old male. i live with my parents and drive their vehicles. when i turned 18 i maxed out about 8 credit cards and messed up bad. i paid about 1/3rd of what I racked up, now i still owe…

a local bank ,100

At&t 0 ( i now have t-mobile so a phone isn’t a problem for me)

credit card 0

and I owe my brother ,800 for a motorcycle he has in his name he’s letting me drive.

i am trying to go to community college this upcoming fall for pre med nursing studies. and there is no way ill have all this paid off in time.

if i file chapter 7 bankruptcy what can i expect to have to pay back and deal with? i have no clue about it since my parents have always had a good standing.

and before you ask, no they wont lend me the money to pay it off. Its my responsibility so they want me to man up and take action.

wil the government garnish my wages from my job? i don’t really have any personal belongings they can take from me so…. yeah any help i would greatly appreciate.
so i would need to get a lawyer as well?

Technorati Tags: amp, brother, chapter 7 bankruptcy, clue, credit card, credit cards, job, lawyer, local bank, money, motorcycle, nursing studies, parents, personal belongings, pre med, t mobile, wages

How can I get the credit card lendors..or now collection agencies.. to work out a deal with me so I can clean up my credit? My biggest concern is a Wachovia Private Loan I took out for school. There was about an 8 month gap where I was not enrolled in school, 2 months over their 6 month allotted time before repayment. I owe about ,000 on that. This loan is not federally guaranteed. Is there a way to get it back into deferment now that I am in school? Or should I just file for bankruptcy since it’s not federally guaranteed? I’d rather not file if I don’t have to.
How can I work out some deals with collection agencies & Wachovia? Any tips or language I should use when communicating with them?
Thanks

Technorati Tags: amp, bankruptcy, collection agencies, credit card, gap, lendors, private loan, wachovia

I’m declaring Chapter 7 bankruptcy. I incurred a large amount of debt (about K, all credit card). It began with buying an older car that cost me hundreds a month in repairs and continued through other forms of bad luck (a huge roaming charge on a phone plan with a grandfather clause, unemployment, etc.). I’m not the stereotypical shopaholic who wants to get a lot of stuff for free…anyone who saw my lifestyle would see that I don’t live extravagantly.

I went to one attorney who quoted me 00, which seemed like a lot since my case is pretty cut and dried. I know a paralegal who will prepare my documents for 0, but once the docs are done, I’m on my own, and I really don’t want to face a bunch of corporate attorneys by myself at a creditors’ meeting, so I’m thinking of hiring an attorney.

I figure I could pay something like 00 (0 up front with three or four monthly payments beyond that) for an attorney to draw up papers and defend me at a creditors’ meeting. Is this a reasonable fee to expect?
I don’t know if creditors will show up to my meeting or not, but if they do, I want legal representation with me. This paralegal will file the paperwork for me, but that’s all they will do.

Technorati Tags: bad luck, chapter 7 bankruptcy, corporate attorneys, credit card, creditors, docs, grandfather clause, legal representation, lifestyle, paperwork, paralegal, shopaholic, unemployment