Posts Tagged ‘creditors’

Home tax Vs Bankruptcy?

Hi.
We have a joint mortgage and I (husband) filed Bankruptcy last year and was discharged on January 2010. However on my credit it is reported as "INCLUDED IN BANKRUPTY & DISCHARGED" when on my wife’s it is showing current on payment. We are still making payment but mine does not report when hers is reported.
We filed out tax separately where I claimed the mortgage as I am the primary. We are now worry that we might not be able to get the 00 credit since mine does not reported as pay on time.
Our quesiton is should we worry about this or it is fine?
By the way in the bankruptcy 7 I filed there was a stipulation where any tax return shouldnot be kept to pay the creditors.
I have already received my South Carolina tax refund and just waiting for the Federal which was done together with the 00 tax credit.
Also what can I do to report the mortgage current on my credit?
Please let me know.
Thanks

Technorati Tags: , , , , , , , , , ,

after filing bankruptcy, do ALL creditors stop reporting to the credit bureaus…….?

i read that when you file, the creditors that you don’t turn in on the bankruptcy stop reporting to credit bureaus, even though there is still activity on the account(s)…….

so if you pay off an account that you had during your bankruptcy, it dosen’t even go towards your credit

anyone know if this is true?

i filed ch 7

Technorati Tags: , , ,

I have 9 judgments in NYC, what should i do? I want to get my life back on track….?

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: , , , , , , ,

Adversarial Proceeding in the bankruptcy case, what is next???

I just had my bankruptcy chapter 7 . None of the creditors showed up at the meeting and when it was about to get discharged , 60 days latter, one creditor filed Adversarial Proceeding .
My lawyer told me that he does not represent me in this and i have to look for a new one, even all the other debts had been discharged by bankruptcy.
What should I do, about this ? Apparently, I don’t have any money to pay for the new lawyer. What does it mean to me, can I settle with the creditor, or make a payment plan on my own?? Anyone help?????
Also, I had my 341 meeting on April 30th, and Adversarial Proceeding was filed on June 30th.
From the net , I got that creditor has 60 days after the meeting to file Adversarial Proceeding.It looks like they filed a day latter (May==31 days, June == 30).Would I be correct on this one? or…..my calculations and information are wrong???

Technorati Tags: , , , , , ,

Illinois Chapter 7 Bankruptcy Questions?

Me and my husband filed bankruptcy in June and got our meeting with our creditors meeting set for August 15th we had to reschedule it due to Our Daughters first day of school, we haven’t been notified of the reschedule date yet when should I call to find if it has been rescheduled?

Technorati Tags: , ,

filing bankruptcy?

My attorney told me stop payment as of that day we met and i did – should I contact my creditors to inform them of my filing bankruptcy or wait for them to contact me? Also I have never been late on any bill I have perfect credit but I have a huge tax dept from a previous year just 2 year ago and I drowing, any advise.

Technorati Tags: , ,

What is the best online full service bankruptcy?

I need to file Bankruptcy because I’m being attacked by creditors but I don’t have the money for an attorney. Does anybody know of any online full service companies that are reasonable.

Technorati Tags: , ,

Can you protect your tax return when filing Bankruptcy?

My buddy has ,000 in a tax return coming to him. He says he owes over ,000 in credit cards and will be filing a Chapter 7 because he has been unable to find work for some time. Is there a way he can invest/protect this ,000 so it isn’t taken? He said he wants to put it in something like edvest(?) or another thing for his kids college, can he do that or is there something else he can do to protect the return?

For the responders, Yes, I have told him NOT to file but to try to work it out with creditors instead.

Technorati Tags: , , , , ,

My ex filed for bankruptcy and his name is secondary on my loan…will they repo my car?

He filed Chapter 7 bankruptcy with his wife this past fall. While we were married, we bought the car I am driving now, I am the primary borrower, he is the secondary. The title says me OR him and he was not required to sign in order for me to register here (I moved out of state for a year after the divorce then came back). I tried calling my leinholder (Chase) but they won’t refinance and my credit now sucks because I was out of work (right when I moved out of state) due to a broken leg.

I have been making my payments on time (for the last year almost) but am too scared to call Chase and ask them. I realize I should ultimately call a lawyer but figured I could gain some insight here. I have gotten a few notices from his laywer, listing myself along with the rest of his creditors. He owes me nothing – and in our divorce the papers say we were to take the cars we were presently driving, but neither was listed by make/model etc.

Can/will they repo my car? PS – I live in NH.
I was thinking perhaos because his name is also on the loan they’d take it…

Technorati Tags: , , , , , , , , ,

Voluntary Repossession and Bankruptcy?

I’m filing for bankruptcy…included in the list of creditors that I can’ t pay off….is a Car loan. Actually it’s something called a smart buy—kind of like a lease but it’s actually in your name and owned by you. I’m still making payments on this vehicle and when it’s turned in I will owe thousands in over mileage which I can’t afford to pay.
My question is — Should I do a voluntary repossession on the car? If so when? Before I file or as soon as I file?

Technorati Tags: , , , ,

What happens to any extra money you have when filing for bankruptcy?

I might have to file for bankruptcy in a few months. I have a little cash I want to invest in the stock market or in mutual funds. If I do invest and get luck, will some or all of it be taken from me to pay back creditors? Or should I wait for the bankruptcy process is all over before I invest the money?

Technorati Tags: , , , ,

Okay To Pay Off Bankruptcy Debt?

Ten years ago I had to file bankruptcy because I was very ill and my medical bills went through the roof. The bankruptcy will be taken off my credit records at the end of this year. One of my creditors was a credit union and I did not want to include them in the bankruptcy but the lawyer said it was mandatory. I would like to contact the credit union and make arrangements to pay the debt I owe them so I can be a member again and because I still feel really awful that they had to be included in the bankruptcy. However, I’ve heard it’s a bad idea to pay off debt involved in a bankruptcy. Is this true? If it’s not true – when should I contact them? Before December or after December? Many thanks for the information!!

Technorati Tags: , , , , , , ,

Should I be concerned about my ex-spouse filing for bankruptcy?

We have no joint accounts or assets (all were closed or separated at time of dissolution). Although most of her debt did exist when we were married. Do I have anything to be concerned about? Can/will the creditors come after me? I live in Montgomery County, Ohio (I know bankruptcy laws vary from state to state).

Technorati Tags: , , , , ,

Current civil case for injuries/money owed. What happens to the case if you file Bankruptcy during case?

I’m currently in a labor dispute civil lawsuit and there will probably be a judgment against our side since we don’t have the money to continue to defend ourselves for another year against their attornies on our own, despite having done nothing wrong, and we can’t afford an attorney.

5 related QUESTIONS if you would please take the time to number your answers the same (thanks):

1. Current civil case for injuries/money owed. What happens to the case if I file Bankruptcy during the case? For example, does it "end" the case, does the case get "suspended" while/until the b/k is processed? Or does the case just continue simultaneously with the b/k processing?

2. Do I "have" to wait til the END of the civil case until after the official judgment (the actual amount has not yet been stated)…or can I file the b/k and STILL INCLUDE the case on our list of creditors even though there’s no official number yet (something like "amount pending")?

3. Ideally, I’d like the b/k filing to STOP the case itself so that I don’t have to continue wasting our time fighting it when I don’t have the resources. We’ve heard:

"If they haven’t gotten judgment against you, then your bankruptcy filing can and will stop the case.” Is this true or is this possible? For example what happens to discovery and subpoenas? Do they just continue?

3. Also, if I file b/k, will the opposing counsel still continue the case?

4. Is there any ADVANTAGE to filing b/k before the amount is entered in the judgment?

5. Is there some law that allows us to tell the judge "we do not have the money to continue to defend ourselves"…without the opposing party just being awarded whatever amount they state by default?

Please number your answers. No smart allics or "just get an attorney dumbey" answers. We can’t afford an attorney.

Technorati Tags: , , , , , , , , , ,

Tell me about bankruptcy laws? What changed with the changes?

I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a
ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems,
but was able to work. I have always had to work
at being healthy. Have to keep my weight down.
I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care.
I have none.
Going to the state for help, ends up in my being
trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse.
I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents.

never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing.
I really did save 10,000 cash when I was younger,
no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious
job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises,
my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to
rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which
pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not
credit cards. My dps were cash, not credit cards.
I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor
and they said come on. No problem. More than one.
I have disposed of my pets, all but what I could mail,
and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due
to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change.
On unemployment. Kept my bills pd up for four months.
Cannot get work any where. I took a review online
before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse,
I cannot get any other kind of work. I take ACLS
Pals, at great expense. I take testing for college hours
My brain is working. The ACLS , Pals was like a good
BLS except I got to do the airway thingie, put one in.
We covered more meds. Open book. I did not use
my book for all that. This was expensive, credit.
I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work.
Finally, my money is gone. Credit gone. Creditors
know. they know I am not working. Do not terminate
my credit. I cannot get work. I cannot pay my bills.
I went to consumer credit.
Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not hurting myself.
I look about 15 yrs younger without this wt. I function very well. Devastated. I have given up my home,
spent all that money, now my health is slipping.
Told I do not have HIV. Then to show I am serious about working, I take the only two jobs I am offered.
Nothing like nursing in any way. Hurt me really bad, as if designed to inflict pain, injury. Have to qu
There is a a lot more of this question I asked posted under my name in the
section personal finance, this jeliminated a lot of details. What was done to me was criminal discrimination and harassment. Criminal. I have been injured mentally, and physically, and they do not intend for me to recover. I am not the criminal, I am the victim.
They would let me do nothing to try to regain my health, or help myself. Nor could I get a job in a hospital. Told to file bankruptcyh, chapter seven, lost cause. Denied the right. Told there is one bank ruptcy attorney here. Insulting my morals, character, intellect. Insulting my education, family, everything.
Threatening my children. Vile place. i have no where to go. Burned all bridges. Want to be near my kids.
My only daughter and her hb and five kids. Intended to stay here many many years if not my life. Promised I would
be able to get work by nursesw on the floor. I had the credentials, work history, education and a lot of valid experience.
I know my grammar, spelling, etc.
I simply am not going to correct this, why bother. It is truly a lost cause. I have
simply been written off for no reason except vile prejudice, lies, and fraud
committed against me. I did not deserve this. No one does. I did nothing at all to deserve this. I am truly not able to work . If I regained my health, I am too old now to do anything. I am devastated and I cannot pull out of this malicious sadistic thing they did to me. Live in this subsidized, not state, apt. It is horrible.
Exercise toward me in cruelty and avarice.

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

Should I file Chapter 7?

I am already pissed at myself and feel like a complete failure for contemplating this, so save me the guff… Anyways, I lived off of my credit cards for a few years when I lost a job and had some medical issues. Prior to that, I spent like a young 20-something who wants unnecessary BS.
I have 4 cards with a combined balance of ,000. 2 credit cards have been inactive for months, and the other 2 have clothing/food purchases from 3 months ago. I have been trying to stay afloat and have paid on time for the last 10 years, trying to pay them off. My creditors have not treated me well for my loyalty and about 1 1/2 ago ( I missed my payment date by a few days), raised my minimum payment to amounts I can not keep up with. I have been paying them with my child’s child support money since I have been unable to find work. I have lost so much in my life and I was really proud of my credit. But I feel like I am in a sinking ship trying to keep up and recently seeing how much more I have to pay since I can only afford the minimums on all 4 cards really made me feel hopeless.
By all means, I am a loser: I can’t find a job, I qualify for food stamps, I am trying to finish college and can barely afford to buy textbooks, I am trying to raise a child alone, I am living off the kindness of others with no assets and about in my checking account. I am terrified of stopping paying off my cards, but I literally think this is the only way. I hesitated all these years because I wanted to be responsible, and I heard bankruptcy ruins lives. What should I do? Where do I start? Thanks for your time
Also…Looked for Bankruptcy attorneys online…How much will I have to pay one (avg)? I live in So-Cal.

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

How much wil it cost for me to file bankruptcy in NJ?

I am recently unemployed and am about to be sued by one of my creditors and am inquiring about bankruptcy protection. Also is there a way I can keep my car if I continue to make the payments?

Technorati Tags: ,

Can a creditor force you to pay them after filing bankruptcy?

I think most creditors are notified when a bankruptcy is filed & are given a certain amount of time to respond and refuse to accept the bankruptcy.
Can they still force you to pay them or turn the account into collections, when the bankruptcy is final and, they didn’t respond to the initial court notice?

Technorati Tags: , , , , ,

Tell me about bankruptcy laws? What changed with the changes?

I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a
ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems,
but was able to work. I have always had to work
at being healthy. Have to keep my weight down.
I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care.
I have no no health care. I am not going to proof read
or edit this.

I am sick to death of someone dragging up lies
on me and slandering me with things which were
grossly distorted, exaggerated, calling me things which are lies, and harassing and degrading me over things which never happened in the first place. I have
been battered four times by strangers due to people
lying on me.
Going to the state for help, ends up in my being
trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse.
I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents.

never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing.
I really did save 10,000 cash when I was younger,
no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious
job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises,
my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to
rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which
pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not
credit cards. My dps were cash, not credit cards.
I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor
and they said come on. No problem. More than one.
I have disposed of my pets, all but what I could mail,
and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due
to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change.
On unemployment. Kept my bills pd up for four months.
Cannot get work any where. I took a review online
before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse,
I cannot get any other kind of work. I take ACLS
Pals, at great expense. I take testing for college hours
My brain is working. The ACLS , Pals was like a good
BLS except I got to do the airway thingie, put one in.
We covered more meds. Open book. I did not use
my book for all that. This was expensive, credit.
I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work.
Finally, my money is gone. Credit gone. Creditors
know. they know I am not working. Do not terminate
my credit. I cannot get work. I cannot pay my bills.
I went to consumer credit.
Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not
That cut off the important part. I was denied work of any kind except two jobs which just about killed me phhysically.l My bills have increased. Emergency surgery. Rupturing appendix. I am screwed. Bank ruptcy recommended.
recommended chapter 7. Taken to court to pay abill of ten thou cash. I am ordered to pay. How? I am not able to work. I am sick, in pain now. No health care. Will not take payments. Paying over four hundred out of my very small survivors social sefurity. Attorney says she will fine bank ruptcy gets all info.Says I insulted her, returns my money and this other vicious lawyers et onto me. Sick for a week after going to court. threatening and intimidating me. Stalking, Tell me to suck off. Go whore it out.
Spastic colon worse Now the raynauds is going crazy. I am not leaving. No where to go. burned bridges. have gr kids here. now
addicted to them. They ae killing me for money. No help anywhere. What is the deal bkrptyc.Not gay or bi. No need to tell me I’m screwed
This has a lot of racial overtones. They will not let me know my genetic heritage. I need to know for my healths sake. I look extremly white. I am not as white as I look. Threatened over this. I have never ever mentioned anything about any sor tof thing to get preference in employment. Preference, Ha. I have always duked it out with evryone else, slugged it out on my own.v
Debt settlement is no solution. I have rent. which a hunk. My electricity bill just doubled last month. Rent and electric is a hunk of my check, medical is a big hunk, My rent just went up, and will go up again. Any increase in income increases rent. I am paying over a third, sometimes half of my income for medical. I still do not get to see a doctor every time I need to do so. i just received myh SS check. I have paid my bills and I have 3 left for car gas,
for groceries for a month. I have not bought gro. I bought some extra stuff
for something unexpected that came up.
that 173 is for Christmas dinner, groceries, evrything, soap, etc.
This is merciless, cruel, sick. It really is an attempt to make things so hard on me I will die, kill myself, or leave. I am not suicidal. I have no where to go.
What is left. Bankruptcy is the only solution. They will not let me. There is something more involved here.
I notice that Raul has no return email. What an unusual name, same as the
merciless attorney.
I do not owe 100.000. I may owe now about 50,000 /60. I had about thirty or fourty thou on there for the emergency surgery. They wrote some off. I have paid some off.Much of that is finance
charges. Much of it was medical, much of it was trying to get work, and expense of education trying to get work. As I said my creditors kept extneding credit even when they knew I was off. I had such good work credentials. Had
I not htought i had work security I would never have made any bills.
I am not a sneak or theif. My kids have absolutely no part in my problems. I am the victim here, not the perp. I have absolutely no reason, none, to be defensive or afraid because I am totally absolutely not guilty of any scheming or plotting or collusions to do anything dishonest. Nothing. I came on top of the world thinking this place was not prejudiced. Ha. I came thinking I would be treated as a human being. New life.
Chance to have some happiness which I have not had since 1985. Delusion.
Lied to. Victimized all over again. No.
I do not like being a victim, but there is no word for it. I do not like some one
in authority here trying to make it look like I have had "special" privileges.That is a blatant blatant horrible lie. Special abuse and discrimination is what I have had. This place is vilely prejudiced.
The means test said It was a lost cause. i had so much debt. I cannot get an attorney. I am told the one I allegedly offended is the only one. I was 58 when I came here. They way I have been done means work is now out. I will be fortunate indeed if I do not die from this.
I wouldhave had my BSN by age 60, and then my MSN by 62. Of course all this is out. It was all planned, my educaiton, and I could have done it.
I am a hard worker, and I was dedicated to what I was going to do.
I would have then been able to work less hours making more money and work into my seventies and never have to go through this degrading loss of dignity, resources, loss of education. It is as if I stepped into a hornets nest of hatred poverty and personal grudges against me. It is not fair. It has been devastating. Now there is nothoing ahead but stark years of poverty. I am not close to my relatives, there is no going back or forward. Pure viciousness. Nothing mor eor less.
Looks so unprejudiced to visit
People in health care work longer than others. Lillian Carter was waorking in the peace corp into her seventies.
I was not going into the peace corp.
I also was not going to be a missionary.
Everything wa splanned. feasable, doable. I did not count on someones hating me enough to sabotage everyting. Not my kids doing it. I do not want to hurt them.Thought i was a person in my own right.
My children did not do this to me.
They are innocent of this. They are also
not responsible for me. This was preplanned sadistic maliciousness, and I am not paranoid. Tnhey did not mean for me to survive this. This discrimination, hate crimes against me, has gone on for a long long time.
I can spell, type, use good grammar, punctuation, etc. Why bother. What is the use. It is all pointless. Don’t holler
depression, etc.
I’ve not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life.
Never used drugs for wt control, ever.
Never had a major mental illness.
Never lost my license, ever. This is the
God’s truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed.
Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I’m ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwanted
I’ve not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life.
Never used drugs for wt control, ever.
Never had a major mental illness.
Never lost my license, ever. This is the
God’s truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed.
Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I’m ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwanted
I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it.
I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.
I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it.
I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

If I'm NOT late on payments PRIOR to filing bankruptcy, can creditors report me 30 days late if I stop paying?

I currently have no late payments in 10 years with over 45 accounts, but unfortunately I have to file bankruptcy (bk). Even though the bk will heavily impact my credit score, I want to minimize the damage. If I’m 10 days late on a payment and then file bk, can the creditors report me 30 days late once I reach the 30 day point? This is assuming I was only 10 days late when I filed bk with the court. Will filing bk prevent them from being able to report me if I wasn’t 30 days late when I filed? If they do report me in error, do they have a legal obligation to remove the 30 day late?

Technorati Tags: , , , , , ,

-->