Lawyers, as far I know, cost hundreds if not thousands of dollars… So… if I want to try to file bankruptcy with my wife how are we supposed to hire and/or afford a lawyer to help us?
Thank you in advance.
We (me, my husband and 2 children) moved in with my father-in-law after his wife passed Christmas of 2010. We moved in to help with the house and bills and manage his money (he had to file bankruptcy 9/2010). He’s horrible with money, if it’s in the bank he spends it. Him and his wife had incurred 10’s of thousands of dollars worth of debt. We were not able to strip off a 30K home equity loan attached to the house. We are currently paying more than a double payment toward the loan so it’s approximate payoff is 6 years or less. (This will NOT change). He’s 72 and in good health. The value on the home is about 120,000. The home equity loan is for just under 29K. And he owes about 92K on the home. We are to inherit the house someday. My question is this, should we put my husbands name on the home. If so, when? Should we "buy" it from him or should we leave him on it. PLEASE NOTE I WANT TO BE FAIR TO HIM AS WELL. Should we wait till we’ve paid the home equity loan down substantially or should we do it soon? I’m wondering because of the inheritance tax. He does have life insurance. Term life, we are to get 15K. I hope that’s enough info…Let me know if I’ve left something out.
I am pretty much broke and tired of creditors harrassing me and my job. I know I messed up when I was younger. I was trying to pay them all off but it seems to me the more I try the more I owe.
I was looking into bankruptcy to give myself a fresh start, but it seems everyone that could help me charges at least 00.00… tell me if i am filing for bankruptcy how am I supposed to pay that.
I am looking for someone who can take care of this right away without costing me thousands of dollars. I live in the clearwater area off US 19…PLEASE HELP!!!!
i have to file for bankruptcy because he stole thousands of dollars from me to buy drugs & video games. i had to take our daughter & move in with my mom because of this & his verbal abuse. he doesn’t take care of her, and never has (times when he was watching her she’s gotten into harmful things & never got diaper changes). he has a temper. he’s racist, sexist, selfish, etc. he of course can talk a good talk but it’s all lies. he’s unemployed & has no desire to get a job or training.
he’s still living in my house (he was never on the mortgage & never helped pay the bills) and he’s trashing it. i’d like to sell it, but with all the damage i don’t think i can (the dishwasher is smashed to bits, along with most cabinets & walls have holes in them). he smokes in the house, even if our daughter is there. he has a son older than our daughter & his parental rights to him were terminated.
should i cut him loose? i plan on divorcing him. should i also evict him & refuse to let him see our daughter until we get it figured out in court?
should i feel bad??
i meant not see her until the courts figure it out.
he doesn’t do anything FOR her either!
he’s NEVER come to see her in the 2 months we’ve been living apart.
and actually, he will smoke & do drugs in front of her if i’m not around. & i’m not wanting to be around him as he’s verbally abusive. (that doesn’t do her any good either)
yeah yeah, i know. I"M STUPID FOR EVEN GETTING WITH THE GUY. he’s a DAMN good liar & manipulator & i’m a pushover & a doormat.
thing is, this is my situation, and i’m doing what i can with what i got at the moment. can’t change the past or stupid mistakes but we can learn from them.
thanks Siggy
i think one of the worst things about this is that i just feel completely STUPID for believing what he told me aobut everything, from day one. "his ex & the courts screwed him over to terminate his parental rights" and falling for what i can only assume was his act with his son during supervised visits (since he isn’t nearly that great with our daughter, EVER). i believed he was going into jobcorps in a couple weeks, only to find a letter a few days ago that he stopped his application from even being sent. i believed he was sorry & loved us & had stopped doing drugs & stealing from me–until tonight when taking our toddler to visit him i found his stash (well, actually our DAUGHTER found it to my horror!) and then i checked & noticed 0 was missing from my purse; and when confronted he practically laughed & said something to the effect of "yeah, so? you keep coming over here"
i just feel so stupid!!! and like i’ve totally failed my daughter by conceiving her w/HIM
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!!
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?
I WAS EMPLOYED BY THIS COMPANY I BELIEVED I WOULD BE HELPING HOMEOWNERS FACING FORECLOSURE AND GET LOAN MODIFICATIONS FOR PEOPLE IN FINANCIAL TROUBLE. THIS COULD NOT BE FARTHER FROM THE TRUTH I SLOWLY REALIZED I WAS DOING NOTHING BUT SCAMMING THESE PEOPLE .
FIRST OFF THEY OPERATE UNDER 2 NAMES MORTGAGE CRISIS SOLUTIONS BEFORE YOU ENROLL IN THE PROGRAM AND THATS THE NAME THEY TRY TO KEEP CLEAN, THEN ONCE YOU ARE ENROLLED ALL CHECKS ARE MADE TO PROPERTY SOLUTIONS SPECIALISTS THAT WAY BY THE TIME YOU REALIZE YOU HAVE BEEN SCAMMED OUT OF THOUSANDS OF DOLLARS YOU HAVE BEEN PAYING PROPERTY SOLUTIONS SPECIALISTS FOR MONTHS AND THAT IS WHO YOU ARE MOST LIKELY TO FILE COMPLAINTS AGAINST AND THAT IS WHY MORTGAGE CRISIS SOLUTIONS IS NOT REGISTERED WITH THE BETTER BUSINESS BEAREU AND IF YOU CHECK PROPERTY SOLUTIONS SPECIALISTS WITH THE BBB THEY HAVE ONLY BEEN REGISTERED SINCE MAY,28,2008 AND ALREADY HAVE 7 COMPLAINTS AND THAT NUMBER IS GROWING.
THE COMPANY HAS ACTUALLY BEEN IN BUSINESS FOR LESS THEN A YEAR HOWEVER THEY WILL DELIBERATELY LIE ABOUT THAT, THEY ALSO WILL SHOW YOU A LINK ON THE MIAMI-DABE COUNTY WEBPAGE OF A CASE THEY HANDLED AND FILE SEVERAL MOTIONS ON BEHALF OF THE HOMEOWNER STARTING IN 2006 ENDING IN 2008 THIS IS COMPLETELY FAKE THEY NEVER HAD ANYTHING TO DO WITH THIS CASE AND THE BUSINESS WAS NOT EVEN STARTED UNTIL LATE 2007.
THEY WILL CHARGE YOU 1495.00 IF YOU HAVE NOT RECIEVED FORECLOSURE PAPERS AND 2995.00 IF YOU HAVE RECIEVED FORECLOSURE PAPERS AND SET YOU UP ON A MONTHLY PAYMENT RANGING FROM 500-950.00 A MONTH DEPENDING ON HOW MUCH THEY THINK THEY CAN GET OUT OF YOU BASED ON YOUR MORTGAGE PAYMENT THAT, THEY WILL TELL YOU, YOU NO LONGER HAVE TO PAY WHILE IN THE PROGRAM. THERE IS REALLY NO DIFFERENCE BETWEEN THE PEOPLE PAYING 1495.00 AND THE PEOPLE PAYING 2995.00 OTHER THEN THEY FIGURE IF YOU HAVE RECIEVED FORECLOSURE PAPERS YOU ARE A LITTLE MORE DESPERATE AND WILLING TO PAY MORE, BECAUSE THE PEOPLE THAT ENROLL FOR 1495.00 ARE TOLD NOT TO MAKE THEIR MORTGAGE PAYMENTS AND ARE GOING STRAIGHT INTO FORECLOSURE ANYWAY.
ONCE YOU DO FACE A SALE DATE THEY WILL STOP IT TO KEEP THE MONTHLY PAYMENTS ROLLING IN, AND THE WAY THEY DO IT IS SEND YOU THE FORMS FOR A DO IT YOURSELF SUGGESTION OF BANKRUPTCY YOU HAVE TO FILL OUT THE FORMS TAKE THEM TO YOUR LOCAL COURTHOUSE AND PAY THE FILING FEES SO YOU ARE PAYING THOUSANDS OF DOLLARS FOR THESE FORMS THAT YOU COULD GET FROM LOCAL COURT CLERK FOR FREE.
THIS AN ABSOLUTE TOTAL CONGAME ALOT OF UNSUSPECTING HOMEOWNERS DONT REALIZE IF YOU FILE BANKRUPT YOU WILL BE IN YOUR HOME FOR OVER A YEAR WITHOUT MAKING A PAYMENT ANYWAY AND THESE PEOPLE ARE CONNING HOMEOWNERS OUT OF THOUSANDS OF DOLLARS FOR SOMETHING THEY CAN DO ON THEIR OWN FREE.
THEIR SCAMMING DOES NOT STOP WITH THE HOMEOWNERS EITHER ITS A DOUBLE EDGED SWORD ONE SIDE FOR THE HOMEOWNERS ANOTHER SIDE FOR THE EMPLOYEES , IF A SALESMAN ONLY HAS A FEW SALES THEY ARE FIRED AND THEY REFUSE TO PAY THEM COMMISSION DUE AND ITS THE SAME WHEN AN EMPLOYEE QUITS ANY COMMISSION DUE IS NOT PAID THESE PEOPLE ARE NOTHING BUT CON MEN STAY AWAY FROM THEM. AND YES I AM WILLING TO TALK TO ANY TYPE OF LAW ENFORCEMENT THAT IS INTERESTED THESE PEOPLE MUST BE STOPPED
John doe
miami, Florida
U.S.A.
We have a Bank of America checking/saving account with some money in it (not a lot). We also have bank of america credit cards with thousands of dollars on them (we’ve used them to that point I mean). If we file for bankruptcy, can we keep the checking account we’ve had for 17 years?
If major banks go bankrupt then what will happen to their debt? In other words, if a person owns couple thousands of dollars in credit card debts and the banks go under, is there still obligation to pay the debt?
(This is theoretically question)