Hello all!
I'm new to the board but just had a question you may be able to help me out with.
In Virginia 2008 I had to file chapter 7 due to the death of my fiancee (loss of income) (didn't own a home).
Fast forward:
I got several well paying jobs and built my credit back up and bought a house (2012) and paid off my car (2013). I was laid off from my job and was denied unemployment back in Feb 2014. I've been unemployed since but trying to start my business and have been able to make due with the main bills with the help of my now fiancee, but have had to put the cc's on the back burner. I tried speaking with them even before I lost my job about lowering interest rates, but they wouldn't do it. When I fell behind on them (around May/June '14) I asked them if I could make smaller payments but couldn't get any help there either. The collectors soon started. I'm now being sued by Capital One (originally HSBC Bank Nevada). I'm sure others will begin as well (I was roughly $10K in debt before job loss most of which was car/house issues). I know that the rule is 8 years before a person can file again, but are there exceptions and/or is there a way I can begin the process before October 2016? I don't like having to use it again, but in this situation it seems my best option so I'm hoping there is a way I can begin those filings soon or at least before a year from now.
I really appreciate any help and guidance with this.
Thanks again!
I'm new to the board but just had a question you may be able to help me out with.
In Virginia 2008 I had to file chapter 7 due to the death of my fiancee (loss of income) (didn't own a home).
Fast forward:
I got several well paying jobs and built my credit back up and bought a house (2012) and paid off my car (2013). I was laid off from my job and was denied unemployment back in Feb 2014. I've been unemployed since but trying to start my business and have been able to make due with the main bills with the help of my now fiancee, but have had to put the cc's on the back burner. I tried speaking with them even before I lost my job about lowering interest rates, but they wouldn't do it. When I fell behind on them (around May/June '14) I asked them if I could make smaller payments but couldn't get any help there either. The collectors soon started. I'm now being sued by Capital One (originally HSBC Bank Nevada). I'm sure others will begin as well (I was roughly $10K in debt before job loss most of which was car/house issues). I know that the rule is 8 years before a person can file again, but are there exceptions and/or is there a way I can begin the process before October 2016? I don't like having to use it again, but in this situation it seems my best option so I'm hoping there is a way I can begin those filings soon or at least before a year from now.
I really appreciate any help and guidance with this.
Thanks again!
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