Should I file bankruptcy? related questions

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How do I file bankruptcy in Southern California and what type should I file?0Meli2012-09-18 16:33:06
Hi. MedlinePlus MedlinePlus I have a very good credit score. I've never made a late payment on anything in my life. However, I am anticipating disaster and see no way out of it. My debt is about 17K in credit cards and student loans about 10 km so that a total of 27K. I'm not worried about student loans, and I'm at school and what they are currently "on hold" until the end and when I am expected to pay them only as $ 110 per month for ten years. But my credit cards are getting worse and worse and the only way I can make myself stop relying on them is to kill them. Unfortunately I have almost zero income (about $ 400 per month) and I'm in college and living with the mother. I have 24 years. This is very sad, I know, but I think it has to present soon. It's a shame because my credit score is 720. I just leased a new car, which is under my name, but again, the family supports me. So ... I think I should file for bankruptcy (Chapter 7 is what I'm thinking) and just live off what I make for thew next ten years. I have nothing of value, and in the morning the lease for my mom, and also want to know if they will take my car when and if the. MedlinePlus MedlinePlus Please know that everyone says it is a "last resort." I'm seeing it as such. So if it comes to this, what is the best way to go about filing and hoe much it will cost me financially and also how long it takes? Will my debts be cleaned? I heard that student loans do not go away, which is fine by me. Your credit cards that are about to crush me. I need real advice, not only criticizes worthless empty. So please ONLY RESPOND IF POLITE RELIABLE ADVICE. MedlinePlus MedlinePlus Thank you guys. Happy holidays.
I want to file for bankruptcy. Will I be able to file my financial aid debt?2Angy20202012-09-18 15:08:02
I have about $ 30,000 in credit cards and car and $ 23,000 in student loans and earns $ 42,000 a year.
Confused between BANKRUPTCY 7 and BANKRUPTCY 13, I need to pay back after i file???0mathurine2012-10-04 06:20:06
I'm a little confused about what the difference between Cap . Cap 7 vs . 13. I read the link below and it seems that both the presentation , I still have to pay your creditors . In addition , people preferred to present C13 , if have large assets . MedlinePlus MedlinePlus
My mother co-signed a loan for me. I had to file bankruptcy but did not include the loan in the bankruptcy as ?1- Love Lock closure scared '2012-09-19 01:53:05
part of the payment plan . I paid out of bankruptcy . In fact , I was worth . Is your credit affected by bankruptcy filed because his name was on the loan ?
Should I file for bankruptcy?0EAW2012-10-26 15:19:40
I have 29 years , and my debt is low , but probably about 10 miles , much of it sent to the collection. This debt includes student loans , credit cards and my bank account balance was negative and sent to the collection. I've been ignoring the debt for a while because now they have no money to pay with . It used to be a responsible person with stellar credit until personal problems changed my life upside down . I need to recover my credit and my dignity . What should I do ? What about the debt consolidation companies actually help ?
Should I file bankruptcy?0Bob Jones2012-09-28 07:40:03
Ok , I have 5 positive and 5 negative credit on my credit report . My boyfriend has 0 positive and negative 2. We both have a negative mark for a regular car . The two were in an accident ( not our fault ) and have been w / o transportation and a job b / c of the wreck . It caused a lot of things to become negative marks . MedlinePlus I do not see how I have positive b / c they could not afford anything other than the rent / electricity / water. We got some money from the insurance company for pain and suffering and lost wages . Today , I paid one of his negatives ( not the vehicle , but the credit card you have) ... and 3 credit cards that were negative . I'm still months behind on a loan ( which is still considered positive) . The other credit card I have never used and had closed a year ago. The other positive I'm making minimum payments on ( but it was two months later ) . MedlinePlus MedlinePlus Therefore, all APRS have skyrocketed ... Combined , we are about debt 12-13000 (most being the vehicle , followed my loan and credit card ) . The APR on the vehicle is outrageous ... and more than double payments . Only ninth going into the vehicle ... another 8.9 goes to the finance charges . The vehicle is Honda credit card . MedlinePlus Should I file for bankruptcy ? What about bankruptcy within three years ( or less ) ? How does that ... display it in the future after three years ?
Should I file for bankruptcy?1mouse2012-10-24 13:22:02
I have a job in sales on a fee that averages about $ 4000 per month. This is usually around $ 5,000 six months of the year and $ 3,000 the other six. During the recession I left my house in another city to be closer to family child care. I still own the house and have a tenant living there now. We can not allow even a month of non-payment, and for me to pay rent yet where I am staying. I have no savings. It also now has about $ 21,000 in credit card debt between three separate letters, in addition to about a minimum payment of $ 500 at a high rate. One of these letters that have already closed a deal to reduce rates of 8 points. I have $ 17,000 in student loan debt that is around 3% and is payable amount to about $ 250. I have a car payment $ 330 per month in a car that is $ 6000 in reverse. My mortgage is $ 950 and the rent of the house I rent is $ 675. Then there are the utility bills and my job requires a cell phone. I'm living at the point where I went a whole week without being able to spend $ 5 because it was 4.92 in the bank. My tenants lease is in late December and can stay, but probably no more than 4 months. He's not really the guy who wants to help me if I would sell my house either. Currently working 1.5 hours away from my previous home. I'm lost and have no idea what I can do and there seems to be no end in sight, especially now that we have reached a slow year. What are my options? My wife can not get a job that pays more than a net outflow of about $ 100 every two weeks, after paying their expenses and the fact that the family is no longer available for free childcare. My work is promising in what I'm looking like I can get an upgrade in a few years that would almost double my pay. HELP!
What to do with my car after I file bankruptcy?2kamsi2012-10-16 18:44:03
I have not paid a car note since November 2011 and I'm pretty sure it was a takeover . I filed for bankruptcy in mid-January and put the car loan in the list of things they could not afford . It is now May and still have not been contacted or attempted to get the car. Should I call and ask when they will come for her or should I just wait ?
Should I file bankruptcy?1Meredith2012-10-25 21:13:02
My credit is getting worse and I do
Should I file for bankruptcy?3juicy2012-11-01 19:45:02
I'm thinking of filing for bankruptcy to clear all my debts and start over. I think I owe approx. $ 40,000 in student loans and car and credit cards and only earn around $ 1600 per month in net income . It was very difficult to meet because my total payments each month for repayment of these loans and credit cards are about $ 750. On the other hand, my dad is a co -signer on one of my student loans , so I'm worried that will be affected. What I know is : 1 . Do I have and what type should I apply? 2 . Will my credit be affected if I file father and am approved ? 3 . Will you take my car away if I am approved ?
If I file for bankruptcy, can they take my car?0Sawha2012-08-22 11:50:03
Please help . I need advice . I'm thinking of buying a car from someone for $ 1100 this week , because I have no way to get to work and he needs the money ASAP or you will lose the opportunity . I have horrible credit ( or it would be financed through a car company ) and am thinking of filing for bankruptcy ( for the first time ) in the coming months ( due to the many , many things will collections ) . MedlinePlus MedlinePlus I realized today that if I buy this car and then file bankruptcy ( Chapter 7) , you may be able to take my car , but it's worth maybe $ 1000 ( this is a '96 Jeep Cherokee ) . Then I thought, well , what if I try to get a loan through a bank to pay for it ? I only make about $ 1300/month ( when it comes to a lot of overtime) , so I can not afford to pay a person unless I get a loan of some kind. MedlinePlus MedlinePlus My question is , if I can get a loan , buy the car and then declare bankruptcy , can they take my car ? MedlinePlus MedlinePlus Or if you somehow get the money and buy the car and then declare bankruptcy , can they take my car ? Like I said, not worth much . MedlinePlus MedlinePlus Any advice would be greatly appreciated. Thank you.
How do you know if you need to file for bankruptcy?0sydnie2012-10-16 11:37:15
I really do not want to do this , but maybe I have no choice . MedlinePlus MedlinePlus Gano 150.0000 USD / year. MedlinePlus MedlinePlus First mortgage + Taxes : $ 1,950 MedlinePlus Second mortgage : $ 1,150 MedlinePlus Student loans : $ 1,000 MedlinePlus Credit Cards / Personal Loans: $ 1,600 MedlinePlus Car Payments : $ 753 MedlinePlus MedlinePlus Do I have other options ?

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