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  • How long does the creditor have to pick up items from secured loan after discharge?

    My Chapter 7 was filed July 28, 2017. The Meeting of Creditors was held Sept. 1 and the discharge was on November 1st. I had given my attorney all documents pertaining to any outstanding contracts so that they would know how to classify the debt. I had two loans to a finance company for furniture. It's...
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  • mrsSM
    started a topic Filed Chapter 7 Married

    Filed Chapter 7 Married

    My husband and I filed together, we've been discharged for awhile now. His credit score seems to keep getting higher and mine is still the same. Also we applied for credit cards to build credit and he get approved for more then I do? Does anyone know why that is? I'm starting to get frustrated. Does...
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  • Malkovich
    started a topic Post-discharge vehicle with no title

    Post-discharge vehicle with no title

    Hello everyone. I am coming up on 2 years since my Chapter 7 discharge and am not sure what to do with my vehicle. I had an auto loan of about $12,000 through Regional Acceptance that was discharged in the bankruptcy. It has a KBB value of about $2,200 today but needs about that much in repairs and...
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    Last edited by Malkovich; 08-03-2017, 06:03 PM.

  • Bugwood
    started a topic Attorney Woes and State Moves

    Attorney Woes and State Moves

    Hello all! I'm brand new to this site (discovered within the last week) and I'm eager to get some valued input from you all!

    BK journey began in late 2015 with filing of a C13. I was told of C7 eligibility but that changed after practically working 14hr + days for a few months (First Attorney...
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  • skof2017
    started a topic can disputes hurt your bankruptcy Chapter 7

    can disputes hurt your bankruptcy Chapter 7

    can disputes hurt your bankruptcy...

    Hi I have over 35 purchase dispute and its over the 3 years period of time. does it consider as fraud and can i be charge as fraud from the creditors ( the credit card people example american express, a Barclay, City).
    I stuck with this i have...
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    Last edited by skof2017; 06-18-2017, 10:39 PM. Reason: i read it and didn't make senescence but now it does

  • Advice - Filing Chapter 7 with a mortgage that has a ballon mortgage

    I'm filing for Chapter 7, I'm thinking of giving up my home.
    The issue is I have a balloon mortgage on my home, is it worth it to keep it or not?

    Comps on the house is 85k
    Previously owe 71k
    19 year left on the mortgage
    Balloon payment 30k after 19 years
    2%...
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    Last edited by David2903; 05-09-2017, 12:10 PM.

  • Disabled Veteran - Questions / PLEASE HELP

    I've been lurking for a bit but this is my first post. Seems there is more knowledge here then with some Attorneys so maybe someone can help me. I cant seem to find an answer to these questions. I meet with an attorney yesterday but even he did not know.

    We are in CA. My husband is...
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  • JJH77
    started a topic Recently filed w/questions

    Recently filed w/questions

    I've recently filed and have some questions regarding reaffirming my car:
    i reside in New Jersey and want to keep my car. I'm current on payments (never late). Some say reaffirming the car is good and some say not good. We really need this car bc this the only sort of transportation we have and...
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  • Phintexas
    started a topic Looking at Chapter 7 in Texas

    Looking at Chapter 7 in Texas

    Hi. I have been thinking about a the possibility of a chapter 7. I'm tired of the debt I have hanging over my head and don't know what to do. I have seen a couple lawyers and they all tell me something different and hoping anyone here has advice for me. But here are the details:

    I had a...
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    Last edited by Phintexas; 08-19-2016, 11:36 AM.

  • TCARPENTER92
    started a topic Should I file? Now or Wait?

    Should I file? Now or Wait?

    I am considering filing bankruptcy. I have about $25,000-$30,000 in debt from a $12,000 deficiency balance on a car repo, about 3-5 thousand in collections/charge offs, and only a $400 limit credit card open with Discover. I have a broken lease that I'm still being charge for until the lease is up or...
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  • Phintexas
    started a topic Chapter 7 in Texas

    Chapter 7 in Texas

    Hi. I have been thinking about a chapter 7 recently and have read as much as I could about what it means. This has been a stressful time for me and my family and would hate to do it but I think I have no other choice. The problem is I don't know if I qualify.

    But here is the details....
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  • jimcruz
    started a topic TSP loan while on Chapter 13

    TSP loan while on Chapter 13

    Hi:
    I've search for an answer to my question but found nothing so here's my question.

    I work for the federal government in Puerto Rico, I file for bankruptcy about 15 months ago and been paying faithfully since. I owe my dad $4000 and he wants his money back, I have a tsp account
    ...
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  • Chapter 7 -- 341 trustee issues in Atlanta -- please help!

    I had my 341 meeting for chapter 7 in Atlanta today...what a mess. Probably the biggest issue was that I pre-paid my dentist prior to filing - from my bank account, not on credit cards - for a procedure to be done 2 weeks later. The dentist required pre-payment, and the procedure was phase 2 of dental...
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    Last edited by GAfiler; 04-12-2016, 08:27 PM.

  • Pre-planning Chap. 7 Questions about property appraisals

    I am planning on filing at the end of the year so I'm getting my ducks in a row. I'm thinking we may now qualify for Chapter 7 so I want to think through everything involved in that so I'm not blindsided if that's the case. I'm in the Middle Court of Florida Tampa area to give you an idea of where we...
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  • FACTORS AFFECTING THE TIMELINE OF A CHAPTER 7 BANKRUPTCY

    2 posts and both of them are full of clickable links and goo shortcuts. Perhaps you should read the rules before posting again and attempting to drum up business. Another post like this without permission from the administrators and you'll find yourself banned. - Frogger
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    Last edited by frogger; 09-23-2015, 11:31 AM.
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