My husband and I recently tried to open an account at a credit union. We were shocked when they denied our membership based on a chexsystems report. The only thing against us was the bankruptcy which was discharged almost 3 years ago. They tried opening the account in my name and in his. He has a previous...

Has anyone ever had to do this? If you have not seen my previous post, the secured property is my vehicle which had a car title loan on it at the time of filing 3 years ago. I spoke to a paralegal at my attorney's office that said I could file a claim for them so I could get my title back after discharge....

Everyone once again I need advice from the wisdom here.

I am being sued - PROBABLY can put off "judgement day" till...June AT MOST.

SO - problem my older child has a car that was bought with child's earnings BUT it is my name - it's and OLD POS - HEY - just realized...

I have a pretty complicated question. Kudos to anyone who can answer it. The creditor got a judgment against the debtor and recorded a judicial lien in the county recorder's records. A year later the debtor got married, and two months later he filed bankruptcy. In the bankruptcy, the debtor claimed...

I am planning to file Chapter 13 with the hope that I can strip my second mortgage. If I can strip the lien, I will be able to keep the house. If I cannot strip the lien (the value may not be low enough), I will not be able to afford to keep the house.

Q1. If I am unable to strip...

I have completed the 341 meeting and have received reaffirmation agreements in the mail from the credit union. I also had an unsecured signature loan with the same credit union that is listed in the BK petition for discharge.

Questions:

1) If I reaffirm the amount of...

Filed BK Oct '09, discharged Jan '10. Surrendered property in BK to Citi mortg, there was a small 2nd mortgage on the property. Neither of the Lenders filed or attended the 341, but a lien was placed by Citimortgage. Nothing from 2nd mortgage holder. Now 6 months after discharge I am still getting...

Prior to the completion of our bk, my husband's/my checking account had a legal lien put on it by a creditor for $1000 which would expire in 5/2011. The Sheriff's office that administered the lien said that unless the creditor filed a release with them that any funds in the account can be claimed by...

My bk filed a month ago and the meeting with the trustee was last week. They plan to take my vehicle (value ~ $22,000) which was purchased from a family member who currently holds the title and owned it free and clear. This will leave me without a car, and owing $20K+ to the family member.
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I have been lurking on these boards for quite some time now and think this is a great source of information. I appreciate all the members who post and contribute on a regular basis. You are awesome!

In reading some of the posts about cross collateralization and closing bank accounts

I am ready to file next week, most of the paper work is done, just dotting the I's and crossing the T's. I put off filing for BK for Year and half because of the fear and now took me 2 weeks to do it with the help of this Forum and the NOLO book, Thanks to everybody's Postings.

I need...