I'll try to make this short. My husband has an over $120,000 private education loan with Key Bank . Our Chapter 7 was discharged in July. He is now getting calls from Key Bank- they just ask him to call. We want to have our ducks in a row before we call. Has anyone had success negotiating a payment...

Hi, all, I posted on this question back in March, but some things have changed, making me think that a conversion to Ch 7 is even more sensible. (Didn't do it then, as the $130/month bk payment was reasonable.)

First: I just got a message from the court saying we've been dismissed--likely...

Hi, I’ve read through a lot of the threads looking for the same type of situation as me but of course it seems that everyone’s situation is a little bit different. I’m really looking for some advice from some people who’ve been through this or are currently in the process. My wife and I have...

Hi all. I'm a longtime lurker and this is my first post.

My wife and I will likely be filing a joint Chapter 7 BK in Illinois before year end. We own (with no loans) 2 cars that are titled in both of our names as joint owners. They are both "clunkers", so I WAS pretty sure...

Hi all! I've been "stalking" this forum for about a month now, and I can't believe how much I've learned already. (Thank you!!!)... At this point, though, I'm afraid of spending the next YEAR poring over these threads and never getting my butt into an attorney's office!

...