We signed a 1 yr lease to rent a house we have not even paid the deposit or any thing, and we decided not to move in. We filed bankruptcy and the landlord now wants some money out of us, but we have none. I have found online where it says that you can choose to end a lease or assume it. So choosing to end it, do I owe her money? I gave her 2 week notice that we were not going to move in like we agreed. If she sues me, for the amount of the rent for one year can it be dismissed in the bankruptcy? We decided to stay w/ parents to save our money to pay for the bankruptcy it seems we are too broke to go broke!

Technorati Tags: bankruptcy, landlord, money, parents, yr lease

well my parents, they owe credit cards, and student loans up the heeezy! and we’ve been paying and paying we’ve had a good record for almost 14yrs of paying credit cards and house on time. but with how things are now the only solution is to file bankruptcy. can we lose the house though if we do ?

Technorati Tags: bankruptcy, credit cards, parents, student loans

A few months back I tried to get a store credit card. They declined because of bankruptcy. I have never filed bankruptcy. After that, I needed a place to live, so I tried get get several apartments…..All of them declined me because of this bankruptcy. I looked up my credit online, and could not find anything about bankruptcy. I paid off the (2) small bills that were on my credit, and managed to get an apartment by showing them my parents bankruptcy papers. They said it happens all the time!!

I cant figure out how to get it off my credit, or even see it on my credit. I think I used FreeCreditReport.com…

(Me and my father both have the same 1st name)

Please help.

Technorati Tags: apartment, apartments, bankruptcy papers, parents, store credit card

I have like a 10,000 dollar accident debt from getting in an accident without insurance. I was under 18 at the time and my parents filed bankruptcy but it came back to me when I turned 18. I plan to file bankruptcy because with the amount and the interest on that amount it would take me way to long to pay that off…but I was wondering if I should load up some credit cards or something before I file, just to get something out of it. My credit bad already apparently so it doesnt look like I can get any credit cards or even loans. Any advice?
Im only 18 and I feel like these are my prime years, I dont want to work full time for free basically to pay off some stupid debts. I would rather pay the 1,000 dollar bankruptcy and deal with bad credit for awhile. I guess Im more so asking if theres anything I can do before that to get something out of it.
I dont know how it came back to me, but my mom sent the a letter to the judge showing where in there bankruptcy thing it showed it got rid of that debt but they still said I was responsible.

Technorati Tags: accident without insurance, bad credit, bankruptcy, credit cards, debts, full time, insurance, loans, mom, parents

I am not eligible to receive a student loan by myself because of my young credit of only about a year even tho I have an excellent score.
I am not able to have my parents cosign for me because they are coming out of bankruptcy a little over a year out and have re established their score. but the loan companies and banks say it needs to be 2 years. I recently transfered to a very expensive school. I did receive a scholarship, but it doesn’t quite cover the cost, which including housing is around 40k per year. I have excellent grades deans and presidents list every quarter of my 3 year length college career.
But what I really do not understand is how on a deferred student loan you are required to have a co-signer when they can be removed as your co signer after 18- 24 months.
This does not make much sense to me and if anyone has any kind of alternative ideas comments or solutions I would appreciate everything I can get my hands on.

Thank you

Technorati Tags: bankruptcy, banks, co signer, college career, loan companies, parents, presidents, scholarship, score, student loan, tho

I’m only 12 and I have a great life and friends ; how come my sister gets to live her life until 18 in new jersey when she has her license and everything and my parents are wanting to move to VIRGINIA. I just wanna cry…i have a life here and i don’t wanna move!!!!!!!! At the time, my dad is in terrible physical condition and his business is in dept. I was where they were talking a few minutes ago and he was saying "We should just file bankruptcy and just sell this house. I’m under so much stress with this business. I have to get up every day at 5:30 am when I want to sleep. I just can’t handle this anymore I’m getting old and I wish I could just retire but we need money. We should just sell this house and move. Eventually we are doing that." I had to leave the room before i started crying. I can’t stand Virginia!!! No effence but I HATE their accent and everything about that place- the country and no stores…whats up with that? I’m a city girl and I want to stay that way. My dad
offered for me to go to the Virginia school and my New Jersey school, and I would do that but now it doesn’t seem like i can. Oh by the way I dont want to have the accent too. It’s makes me seem stupider. =[[[ help?

Technorati Tags: accent, bankruptcy, city girl, dad, few minutes, money, new jersey school, parents, sleep, stress, virginia school

I have about ,000 in credit card debt. I don’t have any income or assets of any kind (unless you count clothes–I’m living with my parents and borrow their car if I need to). The credit cards have been slowly going into default ever since I lost my job two years ago and now I haven’t been able to make any kind of payments for about 9mos, so they’ve all gone into collection. I won’t be working again for at least a year or two. I’m sick of all the harassment from the CC companies, and also am concerned about them taking all the money I make when I’m eventually able to return to work.

But I’m concerned because a) I can’t make payments of any kind on a bankruptcy settlement and b) I could only afford maybe a few hundred dollars for lawyer fees and everything.

Should I file for bankruptcy or just ignore the debt? Will they take all the money I make when I’m finally able to return to work if I don’t declare bankruptcy?

Technorati Tags: assets, clothes, credit card debt, credit cards, harassment, job, lawyer fees, money, parents, should i file for bankruptcy

To sum it up I was forced to drop out of school about a year ago because my parents went bankrupt in the middle of my first semester. I had just transferred in to my dream school (an expensive private university) and had counted on my parents co-signing a loan with me. However, they had not told me that the business they had invested thousands of dollars in had gone under so when it came time to apply for a loan and pay the university for my first semester and register for the next semester’s classes I was told there was no way they could afford it. In shock and without financial or emotional support from them I left the school and moved in with my grandmother. I didn’t handle payments with the school immediately because I had no idea how to go about it and assumed they would arrange it.

After that semester I also returned to a junior college and completed requirements to transfer in to a more affordable, state school. This last fall I began a new semester at the new university feeling excited to be back in school. However, now that it is time to register for the upcoming semester’s classes I am being told that without the transcript from the first university I cannot come back to school in the Spring (the requirements for transfer students is to submit ALL transcripts from previously attended schools by the Spring) I contacted the previously attended school to discover I had been put in collections (notices had been sent to my parents home, warning of this, and my parents had never told me). They refuse to give me a transcript without paying the amount in full which is over 10,000 dollars. I have set up a payment plan with the collections agency but again, without paying it all at once, I will not get the transcript and therefore cannot finish school at the university I currently attend. I have tried applying for a loan but as a student I do not qualify for that amount without a cosigner, which I do not have. I don’t know what to do…I have tried contacting everyone imaginable, the president of the previous university, counselors, the head of admissions at my new school, and family members but no on offers me any help or alternatives. I feel so incredibly helpless and all I want to do is finish school.

Does any one know of a lender that approves student loans without a co-signer? Should I file for bankruptcy? Contact a talk show and see if they’ll give me money?? I’D DO ANYTHING TO FINISH SCHOOL! PLEASE HELP!!

Technorati Tags: collections agency, cosigner, dream school, emotional support, grandmother, parents, private university, shock, thousands of dollars, transcripts, transfer students

I am a 19 year old college student living 3,000 miles away from my family. I pay for college myself with a combination of scholarships and student loans, and I have a part time job that pays my bills. I pay for everything myself; food, rent, transportation (I don’t have a car, I ride the bus), medication, etc. My parents do not support me monetarily in any way.

Three years ago, the company my father worked for went bankrupt. Because of the economy, he has been unable to find a job. There is zero chance he’ll find a job that pays what his old job paid, but he won’t take any menial job, even for a few years until the economy gets better. My mother’s company is on the verge of going bankrupt and she has had her salary cut in half. They lost the house to foreclosure and are now living in a small rental.

Because of these issues, my parents have asked me to start sending parts of my paycheck to them. I have been giving them enough to help them pay smaller bills, like heat or water, but I can’t afford to give them more. Recently, my work hours have been cut back (economy), and I’m not making as much extra money as I used to. I told them I would be unable to continue helping them, but they got upset and told me it’s my duty as a daughter to help my parents in a time of need. They say that with all they’ve given me, I should give back to them. I want to help, but I’m running out of money. What should I do?
Because the first answerer asked, I have a 16 year old sister.

Technorati Tags: economy, extra money, foreclosure, medication, menial job, old job, parents, part time job, paycheck, salary, scholarships, student loans, time of need, verge, zero chance

well my parents, they owe credit cards, and student loans up the heeezy! and we’ve been paying and paying we’ve had a good record for almost 14yrs of paying credit cards and house on time. but with how things are now the only solution is to file bankruptcy. can we lose the house though if we do ?

Technorati Tags: bankruptcy, credit cards, parents, student loans

My boyfriend is having a hell of a time with the financial aid department at our university. We attend a university that is ranked 3rd in the Midwest and they definitely make you pay for that type of education. He is in his second of four years here and this year with the economy being as bad as it is, his parents have been forced to file bankruptcy. They are fighting garnishments and all sorts of stuff. Needless to say, they have absolutely no money to send him whatsoever. His fafsa did get filled out, but he can not get approved for any private student loans without a cosigner. His aunt has cosigned for him for 8000 already. The university just told him today that he is still going to owe another 16000 in order to finish JUST THIS SCHOOL YEAR! we are in the second of 3 quarters and he is not even allowed to schedule classes until the bill is paid. I don’t understand how there is no help for him. The Financial Aid department is telling him that he has no choice but to find a cosigner. Isn’t there something the government can do? I mean, I’m in a similar boat, but not that much money. And I have an EFC of 0 which is supposed to mean that my education is paid for. We are both struggling financially and I really want to help him out. Anything that you can tell me about this is great since our financial aid department doesn’t seem to be helping. =( thanks so much!

Technorati Tags: 3 quarters, all sorts, bankruptcy, economy, education, efc, fafsa, financial aid department, garnishments, hell of a time, midwest, much money, parents, private student loans, ranked 3rd, school year, student loans without a cosigner

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

I own a house with my parents all 3 on the mortgage, they live there and they pay the mortgage. I have unsecured credit card debt(ex-boyfriend is responsible but I can take no legal action against him because his name is only on one of the cards) and want to file Chapter 7. These cc’s have not been paid on since Nov 05, I have not had the 1000+ to file. How can my parents be affected in all of this? We are in NV

Technorati Tags: cards, chapter 7, credit card debt, mortgage, parents, unsecured credit card

my credit was stolen about five years ago, i was in hawaii with my husband who was in the army at the time, but my credit says i bought a car in Oh and a house in WV, the thing is my parents stole my credit. i can’t press charges against them, even though my husband wanted nothing more than for me to do that. they also got several credit cards in my name. basically my credit is shot. i refused to press charges on them because they are my parents, but w/o pressing charges i am responsible to pay back the debt, it’s been 5 years and the debt just keeps adding up, we’ve already paid several thousands of dollars to try and restore my credit. i was estranged from my parents for 8 years and we just started building a relationship before all this happened. is it wrong to file bankruptcy to get rid of the debt, my credit is shot, i still owe about 20,000 that i know of, nothing me and my husband own is in my name, but with a new baby and another child in the house and a car payment, we can’t afford to keep paying on stuff we didn’t even get. is it wrong to file bankruptcy in this case? or to press charges against your parents when they do that? they admitted it when they got caught, but never even apologized to me. what do you think? and which bankruptcy should i file? 7 or 13 thank you
my parents already made it clear they won’t pay any of it back. they said we should ignore the bills. we can’t do that. i’m just afraid of how it will look to my children, if i put their grandparents in prison, especially when they are older. and isn’t it mean to put your parents in jail, though they did ruin my credit, and our lives. we have had to cut back on so much stuff because we’re paying off their bills. so bankrubtcy is not an option, will my kids hate me later for putting my parents in jail?

Technorati Tags: 8 years, army, bankruptcy, car payment, credit cards, grandparents, hawaii, new baby, parents, pressing charges, relationship, thousands of dollars

I have five credit cards totaling approximately ,000. My parents offered to pay them for me (and I would pay them a lower monthly installment). The question is, I would like these companies to settle for less. I have heard they are more apt to settle if they think you may file bankruptcy? I am not going to file bankruptcy.

Besides the moral factor, would they ever know/could it go against me?
The account was severely behind 4-5 years ago but has been current since.

Technorati Tags: bankruptcy, credit cards, installment, parents

We are filing bankruptcy due to high debt. We own our home which we are going to try to sell…if not, then we are going to do a short sale. We’ve NEVER been late on any payment (both mortgage or bills) but are struggling each month and it’s ruining our lives. My question is, every one requires a credit check these days (to rent). How do we find a place to live? I want to keep my children enrolled in the school but the other alternative would be to separate living arrangements and move to our parents homes (I wont live with my in laws & my husband wont live with mine. We can rent a house for what an apartment goes for in another city. How do we get a landlord to look past the bankruptcy and see that before it, we made every payment on time (while struggling to do so). We could easily make the rent (minus all the extra debt we had).

Technorati Tags: amp, apartment, filing bankruptcy, landlord, mortgage, parents

My parents filed a chapter 7 in 2001. In 2005, my mom was in a serious accident leaving her disabled and unable to work. As a result in 2006 they lost their home to foreclosure. They are wanting to file for chapter 7 bankruptcy to rid themselves of the remainder of the medical bills and the difference they owe on their foreclosed home. Unfortunately they cannot afford an attorney and want me to file it for them. I was going to buy software online, but I was hoping someone with experience would be able to point me in the right direction. Also, how much are the filing costs for bankruptcy (chapter 7) in Ohio? Currently their debt exceeds their income.

Technorati Tags: bankruptcy chapter 7, chapter 7 bankruptcy, foreclosed home, foreclosure, medical bills, mom, parents, remainder, right direction

I am currently living out of the country to help my in-laws while they are experiencing some medical problems. I want to know if my parents can file bankruptcy for me if they have power of attorney (in the state of GA)? I know I would have to go back for the meeting with the trustee and the counseling, but if they could file for me, that would really help in our situation. Any help would be greatly appreciated! Thanks in advance!

Technorati Tags: bankruptcy, counseling, medical problems, parents, power of attorney, state of ga, thanks in advance, trustee

I am bankrupt. I have way too much debt and unemployed along with a long term medical condition. I get 50 calls a day by creditors and i speak rudely to collection agency reps saying, "go fk yourself. eat sht and die"

i also will not file any bankruptcy protection because i cannot afford the 00 fee needed for bankruptcy. i have no assets and no home. I live with parents.

i own no car either. My banks have negative balance and i keep all my cash at home in a lock box. So how will this creditor harassment end?

I will not work anywhere until creditors stop harassing me because i don’t want garnish wages.
i drive 2008 bmw registered in dad’s name, but the car is actually my own.

Technorati Tags: assets, bankruptcy protection, banks, bmw, creditor harassment, creditors, dad, garnish wages, medical condition, negative balance, parents

I don’t want my credit ruined because my soon to be ex spouse is filing bankruptcy now. Divorce has been going on almost 3 years now, I want to stop him from filing on the house or anything else with my name on it, so I won’t be scarred for the next 10 years. The mortgage and home is in both of our names, but that’s about all, maybe one or two credit cards, but mostly the home. Anybody got good solid sugguestions?
I have already talked to an attorney, and get nothing but the run around. He won’t sign a quit claim deed, and cares nothing about the house. The attorney’s here are in a very tight knit circle where everyone knows everyone and has worked with them at one point in time. I don’t want my credit with a Bankruptcy lable on it because the ex is an idiot. The divorce has taken almost 3 years because he keeps putting it off. My parents are willing to support the children and myself, but he thinks he should get a cut in it. Just because they are well off, doesn’t mean I am. Any advice??

Technorati Tags: 10 years, 3 years, claim deed, credit cards, divorce, filing bankruptcy, lable, mortgage, parents, point in time