Hi all,
First, great forum.
My situation: I have about 18 000$ debts, at least 10 000$ of those debts come from gambling. I took some LOANS to pay my credit card and as soon as I got them, I always paid the credit cards and never cashed them out. I have an ok job where I make about 1800$ net every month. I about 18 000$ on my visa and 200$ on my american express. My gambling debts were MOSTLY on websites on the internet, also, I withdrew a bit of money from the ATM. 1800$ is not a lot of money knowing that I will NEED to buy a car soon, I pay rent, student loan, food, entertainement etc. etc. Here are my questions and I would be VERY VERY VERY GRATEFUL if you answer them.
1) Do I have a good chance of being discharged if no gambling shows minimum 90 days before I fil for bankruptcy.
2) I pay rent to my family where I live, will I have to PROVE THAT (400$ a month) knowing that I pay CASH ONLY.
3) My old car is a total piece of crap, is it OK for me to buy A CAR (2000$) with a credit card 90 days before filling bankruptcy, knowing that I could probably payback 1000$ on that car.
3.1) Also, I really need that car in the next few months, can they consider it as a luxury item if it is a 2000$ car?
4) VERY IMPORTANT question------> If I put another 500$ on that AMERICAN Express and end up having 700$ on it, will American Express OPPOSE my discharge for a tiny amount like that? My question is basically: When the creditors OPPOSE your bankruptcy, do they COMBINE all the debts together, or is it American Express on one side (therefore they wont oppose discharge for 700$ and visa on the side?
5) Worst scenario EVER, but do you think that based on my situation mentioned above, my discharged could be REJECTED and I would have to pay every penny back ? I highly doubt it, but I am just asking.
Thanks!
First, great forum.
My situation: I have about 18 000$ debts, at least 10 000$ of those debts come from gambling. I took some LOANS to pay my credit card and as soon as I got them, I always paid the credit cards and never cashed them out. I have an ok job where I make about 1800$ net every month. I about 18 000$ on my visa and 200$ on my american express. My gambling debts were MOSTLY on websites on the internet, also, I withdrew a bit of money from the ATM. 1800$ is not a lot of money knowing that I will NEED to buy a car soon, I pay rent, student loan, food, entertainement etc. etc. Here are my questions and I would be VERY VERY VERY GRATEFUL if you answer them.
1) Do I have a good chance of being discharged if no gambling shows minimum 90 days before I fil for bankruptcy.
2) I pay rent to my family where I live, will I have to PROVE THAT (400$ a month) knowing that I pay CASH ONLY.
3) My old car is a total piece of crap, is it OK for me to buy A CAR (2000$) with a credit card 90 days before filling bankruptcy, knowing that I could probably payback 1000$ on that car.
3.1) Also, I really need that car in the next few months, can they consider it as a luxury item if it is a 2000$ car?
4) VERY IMPORTANT question------> If I put another 500$ on that AMERICAN Express and end up having 700$ on it, will American Express OPPOSE my discharge for a tiny amount like that? My question is basically: When the creditors OPPOSE your bankruptcy, do they COMBINE all the debts together, or is it American Express on one side (therefore they wont oppose discharge for 700$ and visa on the side?
5) Worst scenario EVER, but do you think that based on my situation mentioned above, my discharged could be REJECTED and I would have to pay every penny back ? I highly doubt it, but I am just asking.
Thanks!
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