I will try to keep this as short as possible. I really need some sound advice because I am literally waking up in the middle of the night because I am so worried about this.

First a little back story:
My name is Tasha, I'm 22 years old, I work as a CNA (10 dollars per hour),...

Okay, I know that student loans are not discharagable in a Chapter 7, but I read somewhere that there is a new law (well new as in a year or two old) in the works that would make it easier to discharge student loans if it is passed. I Googled it and am continuing to do some research, but I figured that...

Plain and simple -- the presumption of undue hardship exists in regards to my car loan reaffirmation. Payments are a little under $300/mo. and they will continue until June 2013. I am not upside down in the loan -- the car is worth about $11650, while I only owe about $9K. Without the car payment, I'm...

Greetings,

I have about $250,000 in total student loan debt; roughly $220,000 of that is comprised of private sl debt. I'm 25 and making $50,000 annually, and I'm living in NYC. I haven't been able to afford payments and as of two weeks ago about 70k of that was charged off by chase (they...

Hello. We filed for Chap 7 bankruptcy in July. We finally had our 341 meeting in September and received paperwork that our case should be closed Dec 14. However, yesterday, we received 2 letters from 2 different banks that we are reaffirming our debt. Both have a box checked that states "Presumption...

This is my first post. Plz redirect me if it's in the wrong spot or covered elsewhere.

I'm filing Chpt 7 Bk in the 9th Circuit (possibly pro se). I plan to show undue hardship b/c of permanent & total disability. PLZ give me your opinions as I desperately need help! Anyone who meets...