I’m filing chapter 7 bankruptcy and the BK attorney tells me that my questionnaire looks good, and I pass the means test so things should go fairly smooth. A collection firm is presently suing me for credit card debt and I expect they will have a judgment soon. I’ve been told that my bankruptcy will "take care" of the judgment. But what exactly does "take care of" mean in this case? Does the bankruptcy simply relieve a need to pay on the judgment? Or does it also erase the existence of the judgment from my credit record? If not then can I take some follow up action to erase it myself?

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I want to know if there is anyway to keep the home even after filing chapter 7 bankruptcy. I want to know if there is any program that can assist me.

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Thanks to idenity theift i pulled my credit, i found alot more than i expected but as it turns out they do all pan out. I am thinking about filing chapter 7 bankruptcy but since my wife’s credit is good we dont want it to show on her file, heres the thing. We are young we have nothing in our name our house is owned by her parents our cars are paid off we have no loans or anything of that nature with both of our names on it I would be filing by myself with out her. All my bad credit is old starting when i was 18 and I want to get a fresh start and with all the old medical bills and things bankruptcy seems the best for our family. I’ve read alot on these sites saying your credit is there credit and when you are married there debt becomes yours, this isnt true my wife’s credit score is over 700 while mine is in the 500’s this is why i am asking i dont want it showing up on her file…. does anyone get what im trying to say???

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I have ,000 credit card debt and i get lot of calls from collection agencies but i never pick up the phone and ignore the answering machine. I also ignore letters from creditors.

I will be filing chapter 7 bankruptcy within one week. Someone told me that if you ignore collection calls and letters, then they automatically pull the money out of your bank account.

So i withdrew all the money i had in my bank and keep cash at home. Am I over-reacting or do they really pull money out of your account electronically if you ignore their calls?

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I have no income, between 20-25k in debt, and no assets other than my car that is falling apart. I feel that it will take me forever to pay off the debt once i start working again. Is filing chapter 7 bankruptcy right for me?

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Do people actually max out credit cards before filing chapter 7 bankruptcy? If so, can they get caught? and how?

What are some of the new bankruptcy rules?

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My husband and I are considering filing chapter 7 bankruptcy. We rent a mobile home and are making payments on another piece of property outside of town where we are in the process of building a house. We still owe ,000 on the purchase of the land (original price was ,000). The house is partially finished and we are doing the work ourselves (foundation and walls are up). Would we lose this property or would we be able to keep it?

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I got two payday loans right before filing chapter 7 bankruptcy to help with the court chapter 7 filing fee. I filed Pro Se. The loans both totaled 0 dollars . Do I have to repay (or reaffirm )them since they were less than the 0.00? .Also taking the loans less than the 70 days of filing the bankruptcy . I did not know this before I filed . Only after doing research did I discover this.

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When filing Chapter 7 bankruptcy, if you check that you are surrendering your home to the bank, can they come after you for whatever is still owed after the foreclosure and re-sale of your home? Or is any debt associated with that mortgage discharged?

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I am filing chapter 7 bankruptcy pro se… I have never been late on a car payment and it is more than half way paid for. I need it for medical reasons…if I have never been late on the payment do I need to reaffirm it or keep paying the payments? thank you

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When filing Chapter 7 Bankruptcy yourself…. I understand some documents can be filed within 2 weeks. However just to get started itnitially …What are the prime documents needed to file Chapter 7 Bankruptcy yourself in MD? Is there a particular order the documents are suppose to go in?

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I’m filing chapter 7 bankruptcy and owe some back income taxes from 2001,2002 and 2003, was wondering if i could add them to my bankruptcy. Thanks

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I will be filing Chapter 7 bankruptcy soon, and am trying to figure out if the ,000 I owe my University will be discharged. None of the balance is from student loans, or any other type of Financial Aid. It is from past tuition, bookstore charges, room & board, as well some other irresponsible charges to my Bursar bill. Thank you in advance.
To answer the answers below, I am actually in the process of choosing my bankruptcy attorney, but the last one I spoke with wanted to charge me 0 to look up that information, and would not include it in his normal bankruptcy rate.
As for the answer regarding student loans, NONE of the University debt includes any type of loan or other type of financial aid. Thank you for such quick responses though!

Technorati Tags: amp board, bankruptcy attorney, bankruptcy rate, bookstore, bursar bill, chapter 7 bankruptcy, filing chapter 7, filing chapter 7 bankruptcy, financial aid, student loans

I will be filing chapter 7 bankruptcy and I paid 00 to the bankruptcy lawyer. The attorney advised me that if I get any collection agency calls, I tell them to contact him instead of me talking to them.

So per his advise, I keep telling creditors that if they have any questions, they kindly contact my bankruptcy attorney instead of calling me. However, a collection agency named CFO financial says that they will still continue calling me for payment regardless of the fact that i provided them the lawyer info.

Isn’t this harassment? The collection agency clearly knows it I cannot pay and they know it I have retained a bankruptcy lawyer and they know it well chapter 7 is on the way. However they insist to call me instead of communicating with attorney. Why?

I am tired of telling them "to contact my lawyer" and they still keep ringing the phone a lot. Isn’t this supposed to be a violation of my rights?

It seems this collection agency is asking to be sued by the attorney for doing this. Why?
Also they seem very stunned that I have the ability to pay 00 to the lawyer. They kept saying, "are you sure you made the payment to the lawyer? are you aware the payment for the lawyer is more than what you owe us?"

They keep on pressing me to communicate with them, and the lawyer said never to open my mouth except to refer them to him.
abel, this is a useless answer. my lawyer has already pulled my bankruptcy report from all 3 credit bureaus.
cat dad: they have ignored my letter.
i mean NCO financial, not CFO financial.
should i let my bankruptcy lawyer know about this? or i should not bother him?

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I will be filing chapter 7 bankruptcy and I paid 00 to the bankruptcy lawyer. The attorney advised me that if I get any collection agency calls, I tell them to contact him instead of me talking to them.

So per his advise, I keep telling creditors that if they have any questions, they kindly contact my bankruptcy attorney instead of calling me. However, a collection agency named CFO financial says that they will still continue calling me for payment regardless of the fact that i provided them the lawyer info.

Isn’t this harassment? The collection agency clearly knows it I cannot pay and they know it I have retained a bankruptcy lawyer and they know it well chapter 7 is on the way. However they insist to call me instead of communicating with attorney. Why?

I am tired of telling them "to contact my lawyer" and they still keep ringing the phone a lot. Isn’t this supposed to be a violation of my rights?

It seems this collection agency is asking to be sued by the attorney for doing this. Why?

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We are filing Chapter 7 bankruptcy and want to discharge all unsecured debt, but we are current on home and car and will continue to make those payments. We will have to fill out a B240 reaffirmation agreement on these or just fill out the Chapter 7 Debtor intent form that says we will reaffirm?

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been thinking about filing chapter 7 bankruptcy and then joining the AirForce. Can I be disqualified for that?

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I am filing chapter 7 bankruptcy, but have a case w/ the EEOC against my former employer for discrimination. If I receive back wages or a cash settlement, will I be able to keep that money?

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I currently have 2 checking accounts. I am considering filing Chapter 7 Bankruptcy next month. I know my bank accounts will be frozen during bankruptcy but will they be opened & usable after the bankruptcy is over with?

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When filing Chapter 7 Bankruptcy as an individual can I use my son towards my household size if I have joint custody with my ex-husband.

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