Hi, I have 9 judments in NYC, 7 of them are from credit card companies, 1 of them from a car repo and one of the from a hospital bill….
Everything happened when i was younger and stupid…
Now I’m ready to get my life back on track.
I need to find out what should i do?
Get a lawyer? If so what kind of lawyer….
File for bankruptcy ?
Try and settle with all those creditors? If so, how? I mean ive heard that you have to ask them for a letter stating that if you pay the settlement they will remove the judgment and remove all that info from your credit report.
The hospital bill alone is 20K, the other 8 are about 20K all together.
I cant afford to pay all of it, but i can afford settlements with them.
I would appreciate some info from someone with experience or knowledge…..
Thanks!

Technorati Tags: bankruptcy, car repo, credit card companies, credit report, creditors, judgment, lawyer, letter stating that

My husband and I are currently living in an apartment and have been here for 6 months now. We have always paid our rent on time. We are now considering Ch. 7 bankruptcy and I want to know how that would affect our current lease? Do they typically run another credit report when they offer you a new lease? I’m worried about them finding out about our bankruptcy and kicking us out, but I’m told that most apartment complexes don’t run your credit again after they do so at the original lease signing so they wouldn’t know about the bankruptcy unless you told them.

I’m not happy at all about having to file bankruptcy, but I see no other option. A bit of background: My husband and I both have excellent credit scores (over 700) and we’ve always paid our bills on time. We have no problem paying back our debt, as that’s what we obligated to do. But I was laid off last year, have so far been unable to find a job, and my unemployment runs out in a few weeks. (unless Congress extends it and we know how that song and dance goes) We even moved to Washington from California when my husband got offered a job and I still have found nothing. My husband’s job is very good and steady, but if we have to live on his income alone until I am able to find a job, we would only really be able to afford our living expenses. Like many other couples, we need two incomes. I’ve considered and done a lot of research on debt counseling or Ch. 13 instead, but our monthly payment amount would have to be small, probably no more than 0/month, for us to be able to comfortably afford our rent, utilities, groceries, gas, etc. I don’t think a payment amount that low is possible, considering our combined debt is about ,000. (all unsecured credit cards) I keep coming back to Ch. 7 being the best option. I could consider filing Ch. 7 on my own if I’m able to, as all my debts are in my name and acquired before we got married a few weeks ago, and he could enter debt counseling for his debt. But again, his payment would have to be very low for us to be able to pay our living expenses on only his income. Discharging all of our debt and getting a fresh start seems like the best option. Does anyone have any advice?
In response to a previous answer, I was single when I was laid off and began receiving unemployment in May 2009. I just got married a few weeks ago.

Technorati Tags: apartment complexes, bankruptcy, ch 7, congress, couples, credit report, credit scores, debt counseling, debts, groceries, incomes, job, living expenses, new lease, song and dance, unemployment, unsecured credit cards

I’m trying to not file for bankruptcy. Overdraft protection is the only thing keeping me from making late or no payments at all on my bills and that’s nearly maxed out. I’m in huge cc debt, apppr 35k, and bankruptcy seems like the easiest way out and to feel like a person again. I want to try and fight my way out of this mess if I can. I would like to see if a service can help me but know there’s a lot of scams out there. Is CCCS a debt consolidation service like Debtco or are they two different things? How do I go about finding a fair and reputable service? What types of questions should I ask? I’m near Portland, OR. Anyone have a suggestion of where to find a good service or lawyer (if bnkrp is in the future)?

Also, is a charge off really that much better or different than filing for bankruptcy? What’s the difference when it comes to your credit report and how it is viewed by potential lenders?

TIA

Technorati Tags: 35k, credit report, debt consolidation service, debtco, filing for bankruptcy, lawyer, lenders, overdraft protection, reputable service, scams, suggestion, two different things

My husband has been getting phone calls from a collection agency at work. The agent calls but when my husband answers he hangs up right away. They will leave messages but will not talk to anyone when they call and someone answers.

The supposed debt was from an HSBC credit card. We filed chapter 13 bankruptcy in 2006. The card application was dated April 2007. I would have never applied for a card after filing bankruptcy. We received a bill for a credit card from Orchard Bank which we had in 2005 and the account was placed on our bankruptcy case. So I contacted the attorney and he said to disregard the notice. We moved in 2007 and had problems with mail being forwarded back to our old address. We had electric, cable, insurance bills that were sent to our old address. I became concerned and called the providers. They told me that the bills were sent back to them with address unknown.
I almost had all my utilities disconnected and our insurance canceled. We also had problems with the postal carrier placing mail in wrong boxes at the old address.
I’m concerned that someone may have opened up an account with a pre-approved credit offer. We received letters from one collection agency and I contacted my new attorney and she asked them to verify the debt. They did verify the debt but it wasn’t a card that we ever had.
HSBC then sent it to another agency. Then this new one. I sent them 3 letters asking them to verify the debt. I have never received any bills, letters, nothing from them. Just the phone calls at work. I then mailed them two certified letters asking them to stop calling my husband at work and to verify the debt. This was 2 months ago. No letters but the calls are still happening.
I checked my husband’s credit report and found the old HSBC/Orchard card listed and a new HSBC card listed to it. Should I dispute the file to the credit agency? Another strange item is that the collection agent told my lawyer that we paid on the bill. This is all really strange. I would never send in a payment of only . Is this a way to get this off of my husband’s credit report and to get this agent to stop? Thanks.

Technorati Tags: address unknown, bankruptcy case, boxes, card application, chapter 13 bankruptcy, credit report, electric cable, filing bankruptcy, hsbc credit card, insurance, insurance bills, lawyer, mail, orchard bank, phone calls, pre approved credit

I had a debt with Citibank but when I was unable to pay they sent the account to New Century Financial. Citibank has no record of my account. New Century Financial is listed on my credit report as the agency I owe the alleged funds to BUT they filed bankruptcy this year. Now it seems that New Century Financial has illegally sold my information to a law firm named Pressler&Pressler. The NJ state attorney general has a lawsuit pending against Pressler&Pressler. there is also a petition with more than 700 signatures saying that Pressler&Pressler has violated their consumer rights. I have already filed complaints with the FTC and NJ attorney general.
I am not disputing that I owe it and I HAVE been trying to pay it for some time but the recent agency that is trying to collect IS VIOLATING FTC LAWS. Like i said before there is a lawsuit pending in their collection practices because they harass and threaten people. They seize bank accounts illegally, they pay off judicial clerks and they also take money and never apply it to a person account.

Technorati Tags: amp, bank accounts, bankruptcy, citibank, collection practices, credit report, ftc, judicial clerks, money, new century financial, nj attorney, person account, petition, signatures, state attorney general

i filed chapter 7 bankruptcy in 1999 jointly with my wife. it’s still on my credit report for another year. i have 40000 grand in credit card debt again.i know the laws have changed for bankruptcy.can i file jointly again and still reaffirm my mobile home loan and keep my crappy cars that are paid off,but they are badly damaged by hail so probably worthless. basically am i allowed to file chapter 7 bankruptcy again?

Technorati Tags: chapter 7 bankruptcy, crappy cars, credit card debt, credit report, hail, mobile home loan

Say you get evicted. You file bankruptcy. 2 yrs later you have started over, have a squeaky clean credit report, and have gotten your credit score to 700. (I don’t know if thats possible, just guessing). You go to apply for a mortgage. Will the eviction matter or bankruptcy really even matter with such a high credit score? Thanks for any info.
I have a 500 right now, so the bankruptcy can’t do much harm
No i never said I had a bankruptcy 2 yrs ago, or an eviction. And I never said 500 was high, I said it is so low a bankruptcy won’t matter anyway. A word of advice EDITORGUY: Try reading my answer before ejaculating stupid answers. Thx.

Technorati Tags: bankruptcy, credit report, credit score, mortgage, stupid answers, word of advice

We filed ch7 bankruptcy 3yrs ago. It was discharged. Just recently I discovered our home mortgage was never reaffirmed. We’re making payments, our mortgage company is happy. But our payments are not being reported to any credit agency (our credit report doesn’t show we even have a mortgage.)

A quick call to our lawyer who handled this told us that no assumption papers were signed. I know when I filled out the "so you want to file bankruptcy" paperwork that I checked that we wanted to assume our mortgage. Our lawyer said the following:
A) it wasn’t a big deal but nothing could be done now
B) the mortgage companies often don’t allow mortgages to be reaffirmed (essentially saying it was their fault)
C) we should seek other methods of rebuilding our credit.

Does any one know:
A) is it really no bid deal?
B) should I fight to determine who’s fault this really was?
C) is there anything that can be done to get our mortgage back in good standing?

Thanks
Frustrated in Big

Technorati Tags: assumption, bankruptcy, credit report, home mortgage, lawyer, mortgage companies, mortgage company, mortgages, paperwork, quot, report doesn

My husband and I were always on time with our bill NEVER a day later had good credit.Then he got laid off.After about 6 months we were still keeping up but was pinching pennies.We had tried getting a home loan and other loans before this when we were making decent money but even with our credit scores being almost 700 still could not get approved.So we sat down and decided that we were going to file bankruptcy to relieve us a little bit until things looked up for us again so we did actually had to let stuff go for a few months before we filed.Now after he was laid off for over a year hes been back to work a few months and we still have a new home in our hopes for the near future.We knew that with filing bankruptcy the odds are against us to get a loan until after it had cleared from our credit report but my question is with the way the economy is loan companies should realize that people are facing tough times and some have no other option that bankruptcy If they would see our history up until that point they could see.Anyway does anyone know of any place that gives loans to people with "bad" credit for home loans these days.We filed in August last year and got our discharge in January this year.Please only answer this question if you have helpful information not if you are going to be judgmental

Technorati Tags: credit report, credit scores, decent money, economy, filing bankruptcy, home loan, home loans, little bit, loan companies, odds, pinching pennies, tough times

I filed in April of 2006. I viewed my credit report a couple of years ago, and I remember saying something about it going off of my credit in 2016. Is this when I can file again? 10 years? Or is it 7?

My intention was to never have to file again, but I got sick and have tons of medical bills from the last 3 years.
I take that back. (my memory if awful). I filed in April of 2004 NOT 2006.
This also means my Credit Report said the bankruptcy would come off 10 years from when I filed (so that means 2014 not 2016).

Technorati Tags: 10 years, 3 years, bankruptcy, credit report, intention, medical bills, memory

I’d Like to see if there is a step by step procedure on clearing my credit report from when i filed bankruptcy a couple of years ago and how to go about getting a home loan.

Technorati Tags: bankruptcy, credit report, home loan

if there are and you are willing to answer a q it is greatly appreciated. if you file chapter 7 and put the address they listed on your credit report(s) for the creditor’s matrix, and it gets returned, are you still responsible for tracking down the right address?

Technorati Tags: chapter 7, credit report, creditor, s matrix

I need to file bankruptcy. My attorney needs me to provide the account numbers. I have checked every credit report and the account numbers are only partially listed. I don’t know what to do. How can I get these numbers? I really need to file and as quickly as possible, where can I get this information? I am not kidding when I say I cannot find the full account numbers anywhere. Am I the only one with this problem?
I haven’t gotten letters from them in a long time, and if I had I wouldn’t know where to find them. I need to find all of them and fast, I don’t have time to wait around for letters to come.
I don’t have my statements, no. I hoped they would be on my credit report but only some of the number is listed, even though I checked all three. The accounts are all charged off. I haven’t touched them in four years.

Technorati Tags: account numbers, bankruptcy, credit report, long time

My husband and I got into credit trouble when we were younger. We are in our thirties now. Our credit scores are crap (low 500’s) but we would still love to buy a home with our VA loan someday soon. Here’s the issue, we have alot of old crap on our credit report that is either paid off or charged off. Some were deleted and others are just left on their with no action. Should we file for bankruptcy? Try and get stuff removed since it has been past 7 years? Or pay it?? I feel like everything we paid a year ago didnt make a difference and if anything made our score lower. We just are tired of renting and want to buy, we make good money….what to do!!!!

Technorati Tags: bankruptcy, crap, credit report, credit scores, credit trouble, money, score, thirties

Between the time you file for Chapter 7 bankruptcy until the time your debt(s) is/are discharged, does your credit report change at all?

I know the credit report will change once your debt(s) has/have been discharged, but what about those months in between the official filing and the official discharge?

Thanks!

Technorati Tags: chapter 7 bankruptcy, credit report

I made some very stupid decisions when I was 19. I’m 23 now. In 2004, I got into alot of credit card debt. I racked up about ,000. I then panicked and never made a single payment. I was a very stupid and naive person at the time. In any case. I have been hiding from creditors for four years now. I want to fix my debt, or at least do something about it so I don’t have to be afraid anymore. I know I should probably consolidate and make payments, or file bankruptcy. I’m now a Dean’s List student, I live at home with my parents, and I am between jobs, but I would be looking to make payments. I could never afford all of it to be paid back. Is it reasonable to think I can go to a lawyer, contact my creditors and make a settlement for 25% of what I owe? That would be ,500 and I could pay that off with 0/mo for about 5 years. I want to have great credit someday.

Please help.

Thank you

More wiser and more scared
I just pulled a credit report from 2006. The total is actually 36,000. Thank you for your answers. I will consult a lawyer and see what I should do. I could just ‘wait’ I suppose, but I’m a legal US citizen from a poor hispanic nation. I want to do the right thing and fix my problem and own up. I can’t pay all of this back, but I want to try.
Speedbum…

I never said that I was proud of this, I am not. And yes, I agree. Creditors should have NEVER given a stupid, immature, dumb 19 year old like myself this much money to toy with. I think each person should have a debt consultant when they start to establish debt.

And to further add, we also have a war going on, so it’s not helping our economy. I didn’t cause of national deficit, thanks for asking. I do however, pay my taxes.

Technorati Tags: alot, bankruptcy, citizen, credit card debt, credit report, creditors, dean, do the right thing, economy, jobs, lawyer, much money, naive person, national deficit, parents, single payment, stupid decisions

Ok I just have a few questions here. I filed bankruptcy in April of 2008, went to court with the trustee in May of 2008. Well finally in March of 2009, my case was discharged. I was discharged 03/30/2009.

I have been trying to look online about my questions, and keep finding different answers, on a bunch of different sites. What I am wondering is:

1. After being discharged, how soon can I, or how soon should I pull my credit report to see if all of my creditors were discharged on my bankruptcy?

2. If their happens to be creditors on my bankruptcy that were included in my case that weren’t discharged, how do I take care of that?

3. And the credit card question. I know that these are what get people into trouble, but you do have to rebuild your credit somehow. I am now 24 years old, and have established a savings of over ,000.00, so I am wanting to head in the right direction.

- What is the best company I can go to for a credit card that will approve me with having a bankruptcy on my credit report?

-What company’s don’t charge those 0.00 process fee to get a credit card?

Any help would be great, the sooner I can rebuild my credit, the better.

OH, is their a certain amount of time I should wait to get a credit card? Like to try avoiding getting denied because my discharge is so new?

Technorati Tags: 24 years, amount of time, bankruptcy, credit card question, credit report, creditors, right direction, trustee

I have been in debt for quite some time five years. I am working full time. I have no assets. But I also cannot afford an attorney since I am living in a hotel and have 2 child support obligations. I have seen many online prep services but I do not know if they would work or not. I also will be having most of these debts off my credit report in about 3-5 years. I am wondering should I just wait it out and let those debts fall of my report and then try to build my credit back up with secured cards or just file for bankruptcy and have hopes in it getting discharged.

Technorati Tags: assets, bankruptcy, child support obligations, credit report, debts, full time, quite some time, secured cards

Wouldn’t he know that when he ran my credit report 6 month ago and took my money?

Technorati Tags: credit report, money

Well, I had to file for bankruptcy because i was a victim of credit fraud. I had a clunker. My lawyer told me to get a better car before I file, even if i have to pay for high apr. Basically i’ll be screwed if my old car breaks down during the bankruptcy process- theres no way i’ll be able to get a new one. She said that as long as I keep paying for the newer car, it won’t be taken away.

I’ve been paying for the car flawlessly for a 1 1/2 yrs now. My wife and I check out a dealer to see if we can get her a car. The checks my credit and tells me the there is no record of my new car on my credit report. I’m shocked because I’ve been paying all this time and it has not been helping my credit. I check my credit report online and it says that the account has been closed during my bankruptcy. I asked my wife if we’ve been getting any bills from toyota, and she says we don’t get any bills anymore we just maintain payments every month like what my lawyer said.

Ok, a friend of ours said that i should return the car to the dealer and get a cheaper car. Since it is closed on my credit report, it shouldn’t affect my credit if i return it. Pls tell me if this is valid and why.

Thanks!

Technorati Tags: bankruptcy process, checks, credit fraud, credit report, lawyer, new car, toyota