I recently applied for an apartment for rent by private owner. I provided my personal information when filling out the rental application. I now feel the woman never had plans to rent the place, and is using an "apartment for rent" as a front to obtain the personal information of others to commit fraud.

It turns out, my co-worker happens to know this woman personally, and says she recently filed bankruptcy, does not own the property, and was renting it from a relative.

What should I do? If the above is true, she’ll deny we met. This woman has my social security number, personal information, and more. Is there any way to tell when someone pulls your credit to apply for an apartment? I don’t think those type of credit inquiries appear on credit reports.

What should I do to prevent fraudulent behavior? There are Michigan laws protecting landlords, what about those for tenants?

Technorati Tags: apartment for rent, bankruptcy, co worker, credit inquiries, credit reports, fraud, fraudulent behavior, landlords, michigan laws, private owner, rental application, social security, social security number

I am considering filing without an attorney. Situation is a wage garnishment for an 11k judgment that looks to be for credit card. (I’ve been disputing this for years trying to prove it’s fraud but clearly haven’t been successful – another story) Background: single mother, head of household, 2 kids, one student loan about 7k, one car loan, about 7500 left to pay, don’t own property, no assets; all my earnings go to rent, household and child care. I’m not behind on car or student loan payments. I just can’t afford wage garnishments and I think a bankruptcy is my only option to cease the garnishments. Since this 11k judgment is the only debt I need discharged in the bk, I think I may be able to manage this on my own instead of hiring an attorney that I can’t afford. Anyone have personal experience with this or with paying for a sevice that helps only with paperwork?

Technorati Tags: assets, bankruptcy, bk, car loan, child care, credit card, earnings, fraud, head of household, judgment, mother head, paperwork, personal experience, single mother, story background, student loan payments, wage garnishment, wage garnishments

Can you choose not to include a repo in it since the car was initially meant for someone else and you already told the bank about this in the beginning when you told them to repo it? And I see that they say not to get anything on credit 6 months before you file… is that 6 months before you file or 6 months before you start the process? I just got two cars in August 2008 so should I wait 6 months before I start the process? There’s no way possible I can even keep ONE of the cars because my monthly insurance payment IS a car payment. A few questions about fraud… will I be charged by the bank? If I make payments on the repo can I still get charged? Can I or should I bring the dealership into it since they did it? I really did not know it was fraud. I know I will still owe them but I want to make sure those lying bastards get theirs, too. I just want to make sure that I can file bankruptcy on the other car. I can deal with paying the repo on the other car by not being able to include it.
Trust me my credit is horrible! Not a problem.

My recent car purchases in August 2008, yes this year, is why I NEED to file bankruptcy.

I was ignorant of how things worked and I had one pulled over me, I admit.

I am like… ,000 in debt.

All in car debt! I only have one past due credit card.
So my question is

Should I wait 6 months from the date I bought the vehicles?

Because it is not fraud… I lost my job and simply can not pay!
I don’t have a degree or any in demand skills so there is no way possible I could afford to pay 00 a months in bills.

I don’t even MAKE 00 a month, gross!

Technorati Tags: bankruptcy, bastards, car payment, car purchases, credit card, fraud, insurance, insurance payment, job, repo, two cars

I was rear ended by another driver and my case has not been settled even though about 18 months have gone by. The other driver admitted fault, I had physical therapy and back injections and still have pain plus trouble with regular bowel movements (I suffered two badly herniated discs, an annular fissure, and sprained neck). My lawyer had me come in to his office, he said to make a statement, but when I got there, he told me my case was being investigated for fraud. Since then, the other driver’s insurance company has only offered me 10k to settle the case and my medical bills are over 120k. First, how did my lawyer mess up what should have been an easily winnable case? Second, I’ve had to sign away 40% of my settlement to the lawyer that messed up my case, plus 50% of my settlement to the new lawyer I hired, so I don’t know if I will have enough to pay my medical bills, should I prepare to file bankruptcy?

Technorati Tags: annular fissure, bankruptcy, bowel movements, fraud, insurance, insurance company, lawyer, medical bills, physical therapy

We live in Washington. We own a home that has 95K in equity – but we owe the IRS about 85K. We have gone through the pre bankruptcy counseling and they say we HAVE to file – because we are in the hole 6K per month (long story – I owned a business and got very ill). My income is commission only – and I don’t have commissions coming in which is why I need to file Pro Se’. Basically – do I let the trustee sell my house? Do I need an attorney to make sure the taxes are discharged (they have been owing for over 3 years and over 2 years since I’ve filed – and also the 3rd rule I’ve passed too) because that would be horrible to walk away without them discharged. I have 2 cars I want to give back. If I file now – how long can i live in the home and when do I need to surrender the cars ? I don’t want to milk the system – I just want to find a place to live and have enough time to earn a commission (should be 30 days away)
They may have changed the rules – but I know you can do it pro se. The reason I would even try is I used to be a creditor rep that goes to court and I reviewed every petition to find fraud. I know most things – it’s just the tax lien stuff and the sale of the home I don’t. My attorney wants 00 up front. It is so embarrassing – I used to make K per week – and now I’m reduced to not being able to pay an attorney. Life goes on.

Technorati Tags: 3 years, 6k, bankruptcy, cars, commissions, counseling, creditor, fraud, irs, petition, tax lien, trustee

My hubby and i are going to file bankruptcy and i sell used items and such on many different sites. Do i need to show them and claim the money i receive in pay pal? If so, can i maybe put it in a child’s name, who is a minor?? Thank you for your time
So why would i have to claim money made at a rummage sale??? Why would that be fraud?? Its the same think as selling on ebay. Why should i claim selling my junk?? Please explain.

Technorati Tags: bankruptcy, ebay, fraud, hubby, money, pay pal, rummage sale

I mean prior to filing bankruptcy, not after I file bankruptcy. It’s my understanding that if you spent on your credit card 6 months prior to filing bankruptcy, it is considered fraud. Is that true? We just paid some bills on our credit cards and need to file bankruptcy soon.

Technorati Tags: credit card, credit cards, filing bankruptcy, fraud

We have completed a bankruptcy but were served with a nondischargability claim from a private lender claiming fraud. I have all of the answers and want to know if it is advisable to answer the complaint by myself so as to avoid additional and unnecessary attorney fees.

Technorati Tags: attorney fees, bankruptcy, fraud, private lender