Helpppp

[karm43]

I received a cerified letter for another judgement paying 2 cannot file for 6 months or i will be paying too much. Should i cancel my bank account so my bills dont bounce. Need more time what can they do. Would call and make arrangements but they always want over200 dollars i dont have it. HELP any suggestions

[sunshinepa]

Well, I would not have any money in a bank where they could get it. Are you saying you are currently paying on 2 judgements? Are you looking at a CH13, is that what you mean by you will paying too much? Sorry, little confused.

Get the money out of the bank for sure, pay with money orders or cash, keep receipts.

[karm43]

ya thats what i mean im swrewed! gonna do a chap 13 , but have a contract at 1 of my jobs ends this month. then there will be less income for 6 months otherwise have to file with current butwill not be making that much in future. Just need this to end.

[karm43]

What else can they do?

[ValleYum]

karm?

Just because you are over the median income doesn't mean you'd absolutely have to file a Chapter 13.

But, even if you did file a Chapter 13 the recent Lanning decision could base your Chapter 13 payment on your current income not your old income so the monthly amount may not be as bad as you are thinking and you may not have to wait 6 months like you think you do.

Go see some more bankruptcy attorneys and get several free consults and get your mind at ease and hopefully file soon!

[karm43]

ya but i will not go down in income until aug. what do you think?im freakin

[karm43]

do i need a checking account? Can i put money in someone elses to pay my bills? My daughter said she would open one for me. I s that legal? anybody know?

[karm43]

was planning now what.

[IamOld]

karm43 for collection purposes having your money in not in your name is "legal" - it's not in your name - you don't have it...for BK purposes disclose everything as it will not hurt you. If you can get paper checks from work - if not, you should be able to diret dep your check into daugther's account...

NOW!!!! Delaware state chartered banks - those DE licensed banks in DE only - are another possibility, as DE does not permit garnishment of bank accts!

[sunshinepa]

ya but i will not go down in income until aug. what do you think?im freakin

I really think you should speak with more attorneys, it doesn't cost anything. As Valley said, the Lanning decision may make it possible for won't have to wait the 6 mos. for the income to drop. Have you actually talked to any attorneys?

I don't know if it's wise to have your dtr. open an account for you if you plan on filing BK. Remember, you have to provide bank statements unless you are using cash. In which case, you must keep all your receipts. While it would not be illegal for her to open it, it could hurt you when you file. Just my opinon.

[karm43]

thanks everybody. gonna get my direct deposits stopped. well maybe i could file 3 months from now my income will be les just dont want a payment that i cannot live with. and if it is to big will i be able to get it lowered if i am making less. Read so many posts on here with issue of not being able to get it lowered. I am so embarresed and stressed do not have my papers ready or anything was gonna start in aug saving receips and such. Does anybody know what happens if you dont go to court or pay what happens? Called on the other 2 and made arrangements with them thats why i am working 2 jobs now to pay them.

[karm43]

How would i get a delaware state account? living in pa

[karm43]

well gotta go to work torture 12 hr nights for all this i wll never be in this position again if i get out!!!!!!

[IamOld]

How would i get a delaware state account? living in pa

Bank of Rehoboth (I believe) you can open online

[IamOld]

I know what you mean - the thing is, I did that last year and it pushed me over the CH 7 limit - now I'm holding income down till Sept to file. If you haven't talked to a bk atty do so, so that you don't work for the bloodsuckers only to push yourself into torment, and out of Bk 7.