We went to do a consult with an attorney yesterday and were told we are over the means test for chapter 7. It is only by a about 400 dollars. We don't have a car payment as they repossesses that already. We have a house that is current that we plan on keeping. We have only has it for about 2 years...

I am in 36 month plan which was Confirmed 33 months ago. I have only 3 months left in Chapter 13 plan. All payments are current.

Foolishly, I took school loans (subsidized and unsubsidized) ‘twice’: In month 12 and month 24. The funds were used to pay Full-Time school tuition directly...

Statute of Limitations

"The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. We have organized the types of contracts...

July 4, 2011

A Lesson in Freedoms – 4th of July 2011: The Register Makes New Findings on an Old Problem

The Register publishes very controversial study comparing Civil War era slavery with Student Loan default – but justifies this study due to recent alarmingly sharp increases...

June 16, 2011


The tumult in the European monetary zone is spreading concern among investors of a broader crisis in financial markets from Ireland to Spain.

The worry is that the worst case, a Greek debt default, would lead to damaging losses for European banks...

I've been unemployed for like forever in a long time.

My credit card debt has climbed up to 10k

My car is gone and now I owe around 8k

My student loans are epic high around 40k

*any suggestions on how/where I can consolidate the school loans?*...

November 22, 2010

Retired Americans are racking up credit-card debt like never before, be it for vacations or medical expenses, and a surprising number have no intention of paying it off before they die.

Nearly 40% of retired Americans said they've accumulated credit-card...

I have no idea where to start with this. And if this is in the wrong forum I humbly apologize. ><

Last year, I broke the apartment lease and left eleven months early, as my sister who was splitting the rent with me, up and left after six months of personal issues, leaving me with...

Hello,

I am filing soon and need to prepare all my debts for the lawyer. Whats the best place to find all my debts? My credit report? Will they all be on there?

I have maybe 30 cards I'm in debt too and about 30 for 2 businesses.

I just do not want to miss...

Hello,
I have a question for a friend, and since I am not in this field I am relatively uneducated about this subject. If someone could yay or nay this idea and provide next steps it would be really helpful.

Facts:
The grandmother and granddaughter live together in a house...

Met with our attorney today. Good news on the 401k front - our Trustee and Judge allow 401k loans and contributions so long as there was significant history of contributions. Haven't filed yet, but due to a CH7 BK 12 years ago with the same judge, I will automatically have this judge and his one trustee...

Are You Currently Dealing with Bankruptcy?

We Want to Hear Your Story.

We are filmmakers and artists creating an online multimedia video to raise awareness of the growing number of Americans filing for bankruptcy due to loss of their job, the recent economic crisis, or

So my wife's CH7 filing is going fairly well...had some bumps at 341 meeting (lawyer didn't even bother to show...sent some stranger to stand in for him, and US trustee was pretty harsh), but we're past that. I think we have another week before she is at the magic 61 day mark (and hopefully gets discharge...

I will be filing Chapter 7. I'm a no asset case. I'm going to start the process of looking for an attorney soon, but I had some quick questions about what to bring with me to the consults..

I owe a lot of money to MANY different collection agencies for old credit cards and hospital bills......