I am so broke. I even tried to look under the seats of my car to find enough change to buy a kid I work with a 54 cent ice cream cone he earned by good behavior and grades for 4 weeks but I did not have enough. I lied and said I forgot my money at home. So I took him to park and I owe him a ice cream next week I work for a small mental health non profit and my husband has been out of work for two years. I was able to make ends meet except for one credit card,student loan and my car. My student loan took my tax refund for the past two years but I still owe them two thousand. I had the car voluntarily repossed because I could not afford it(big mistake because now the court says owe 10000 when the loan with interest was only 6000 and I paid on it for 2 of the 4 years), The credit card got a garnishment that takes 400 a month from my pay at 25% pre tax which is more than I take home in two weeks now, and now the bank(car loan) has sued me too and wants to garnish me too but I don’t make enough for them to take anymore. I am so tired of eating peanut butter sandwiches, soup, or beans that I get from the food bank. If I could find some way to file bankruptcy I would be ok, but I have no clue where to start. Any help would be great, even the info needed to file or ask for help. I just cant do this much longer.

Technorati Tags: bankruptcy, big mistake, car loan, clue, cream cone, credit card, food bank, garnishment, good behavior, mental health, money at home, peanut butter sandwiches, student loan, tax refund

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: amp, bankruptcy, bankrupty, creditors, mortgage, quot, south carolina tax, stipulation, tax credit, tax refund, tax return

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: amp, bankruptcy, bankrupty, creditors, mortgage, quot, south carolina tax, stipulation, tax credit, tax refund, tax return

I live in Florida and have spoken with a Bankruptcy lawyer about my situation. I had excellent credit prior to a house I had up for sale being on the market for 6 months and tried to sustain two mortgages plus expenses on both houses and a lot of credit card debt, mostly used to fix up both houses.

It’s been since March 2007 that I made my last credit card payments. I took all of the 00 I received as a tax refund and paid it on 5 different cards.
I called the credit card companies and tried to set up a payment plan of some sort because I was drowning. NONE of the 5 would and acted really crappy when asked. The phone calls also bordered on harassment.
So, eating ramen noodles and peanut butter started pissing me off. If they didn’t want to work with me, then I wouldn’t work with them.
I changed my telephone number and stopped paying them.

After speaking with an attorney early this year, he stated that unless I was faced with court papers to appear, to stave off filing for bankruptcy. If I did file, it would be for Chapter 13 he stated.

I wanted a second opinion so here I am. My questions are…

If I do not file, the statue of limitations runs out in less than 2.5 years for the state of Florida. If I am not served a summons, after the SOL runs out, can they still serve me with papers?

If there is no summons or judgment, will the charge off debts stay on my record for 7 years from the last time I paid the credit card company? Or when the debt was sold to a collection agency which I think is usually a year afterwards (they all have been sold).

If the debt is sold again to another collection agency, does my time start over?

On my credit record, will there be an entry for the credit card company debt AND the collection agency?

I simply want to know when the credit card company debt and charge offs will drop from my record if I do not pay them.

Thanks for any help you can provide…

Technorati Tags: bankruptcy lawyer, chapter 13, charge offs, company debt, credit card debt, credit card payments, debts, filing for bankruptcy, harassment, judgment, last time, mortgages, peanut butter, ramen noodles, second opinion, sol, statue of limitations, summons, tax refund, telephone number

I live in Florida and have spoken with a Bankruptcy lawyer about my situation. I had excellent credit prior to a house I had up for sale being on the market for 6 months and tried to sustain two mortgages plus expenses on both houses and a lot of credit card debt, mostly used to fix up both houses.

It’s been since March 2007 that I made my last credit card payments. I took all of the 00 I received as a tax refund and paid it on 5 different cards.
I called the credit card companies and tried to set up a payment plan of some sort because I was drowning. NONE of the 5 would and acted really crappy when asked. The phone calls also bordered on harassment.
So, eating ramen noodles and peanut butter started pissing me off. If they didn’t want to work with me, then I wouldn’t work with them.
I changed my telephone number and stopped paying them.

After speaking with an attorney early this year, he stated that unless I was faced with court papers to appear, to stave off filing for bankruptcy. If I did file, it would be for Chapter 13 he stated.

I wanted a second opinion so here I am. My questions are…

If I do not file, the statue of limitations runs out in less than 2.5 years for the state of Florida. If I am not served a summons, after the SOL runs out, can they still serve me with papers?

If there is no summons or judgment, will the charge off debts stay on my record for 7 years from the last time I paid the credit card company? Or when the debt was sold to a collection agency which I think is usually a year afterwards (they all have been sold).

If the debt is sold again to another collection agency, does my time start over?

On my credit record, will there be an entry for the credit card company debt AND the collection agency?

I simply want to know when the credit card company debt and charge offs will drop from my record if I do not pay them.

Thanks for any help you can provide…
The SOL is 4 years, it will run out in 2.5 years since my last payment is what I was referring to.

Technorati Tags: bankruptcy lawyer, chapter 13, charge offs, company debt, credit card debt, credit card payments, debts, filing for bankruptcy, harassment, judgment, last time, mortgages, peanut butter, ramen noodles, second opinion, sol, statue of limitations, summons, tax refund, telephone number

Help!!! my car has just been reposessed, if you been thru it before , please give me some good advice?
They reposessed the car last week, and told me i do not have the option to bring the payments current , they now want the full balance which is k, they also told me to get a loan with someone else, they done doing business with me. I have tried paying my car note on time, but i have had some financial woes lately, raising a little baby by myself without the father’s financial support, so it has been tough for me. My major concern right now is when they will take me to court for the remaining balance, because i definitely will not be able to pay a k car note without having the car, i simply can’t afford it, should i get a lawyer to represent my case against the bank, or should i file for bankruptcy, i never even wanted to file bk, but i may have to……i need your advice, thanks
Category
i will use my tax refund next year to buy a car with cash outright and just fix it up if need be

Technorati Tags: bk, doing business, financial woes, good advice, lawyer, little baby, should i file for bankruptcy, tax refund

I was wondering if your creditors will try and take your Tax Refund? And do you have to let the person who does your taxes know you’ve filed Bankruptcy?

Technorati Tags: bankruptcy, creditors, tax refund

I recently filed chapter 7 bankruptcy in Illinois will I be able to keep my tax refund?

Technorati Tags: chapter 7 bankruptcy, tax refund

i do not, nor have i ever, used credit cards. i do not use a bank. my husband has been out of work since november. he can not find anything that would support us and our two small children. we have hospital bills, outstanding power bills, cable bills, we have almost 16,000 worth of his student loans for college that he didn’t ge to finish b/c he ran out of money and had to drop out. i got 2 tickets last month for not having insurance or a tag (it was at a mandatory checkpoint). i cant count all of our bills. he had a great job lined up to start on monday and we got a letter in the mail yesterday saying that his job offer has been withdrawn b/c of a bad driving record (2 tickets in the last 4 years). our tax refund, which would have been almost 6000 was taken from us by the dept. of education for his student loan. it would have gotten us back on our feet until he got a job. what do we do? i’m so depressed. we need help. we have food stamps and F.A. 5 per month – any advice would help
we have been relying on my family’s help for rent and power payments…but their help and support is running out…i honestly dont know what to do.

Technorati Tags: cable bills, checkpoint, credit cards, dept of education, food stamps, hospital bills, insurance, job offer, letter in the mail, money, power bills, student loan, student loans, tax refund