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chapter 7 x

  • 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, 05:03 PM.

  • Where2start
    started a topic Over my head in taxes

    Over my head in taxes

    So I'm currently trying to help my mother navigate her financial troubles and I'm at a loss. She hasn't filled taxes since 2007 and the irs has been garnishing the majority of her wedges for past 3 years. After learning this news a few days ago we called them and set up a payment plan to reduce the...
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  • smallpanda
    started a topic Surrendered vehicle with bumper damage

    Surrendered vehicle with bumper damage

    I surrendered my truck in our bankruptcy, that is now discharged. The vehicle was repossessed on 6/6. I got notice from Geico today that a claim had been filed for the truck. I was rear-ended two years ago and was never able to get it repaired. My husband used the truck for work and we weren't able...
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  • 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, 09:39 PM. Reason: i read it and didn't make senescence but now it does

  • Several questions about the way my Chapter 7 is unfolding

    First off, thanks to everyone who posts such good wisdom on this message board, it's the most useful I've found so far. I am going to be filing a Chapter 7 bankruptcy here in California on August 1st. My attorney is somewhat difficult to get hold of, and his answers are often too cryptic for me to...
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  • Hearing for reaffirmation but no undue hardship?

    Hi there - my husband and I filed a ch 7 in Texas in January then had to move to Utah for work. We filed a reaffirmation agreement for our truck with Wells Fargo and our attorney signed it and marked that there was no undue hardship. Our income covers all expenses. However, last week I got a notice...
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  • 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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  • AmBee47
    started a topic How can I file Pro Se online?

    How can I file Pro Se online?

    I've finished all the Chapter 7 PDF forms and am confident they are correct. I want to file online. I thought I could use the CM/ECF system to file (the court I'm going to use supports it fully), but I've since learned that personal filers like myself aren't allowed to file that way (I have to use a...
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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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  • Married, single bankruptcy, balance transfers, OH MY!

    Good afternoon! I've been lurking this forum for a while, and was hoping someone could share their insight on my scenario.

    My husband and I have been struggling with credit card debt for a while. It recently came to a head when a water line in our front yard was leaking (2500$), our car...
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  • Cheryl84
    started a topic Balance Transfer Issues

    Balance Transfer Issues

    I am including 4 credit cards in my Chapter 7 to the tune of $17,000. 3 are from Chase, 1 Discover.

    I used a balance transfer offer to send $2,500 to 1 Chase from Discover 6 months back. There was an offer for 18 months no interest and transfer fee free. That card, which has only the balance...
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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, 10:36 AM.

  • Florida Chapter 7: Form 108 ("Redeming vs. Reaffirmation Agreement vs. other")

    I file for Chapter 7 bankruptcy at the end of May 2016 and is in the process of amending the forms for re-submission. A little background:

    Property owned:

    Single family house - Homestead (Mortgage balance ~ $23K, plus $20K deferred payment loan forgivable after 10-years; no...
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    Last edited by James33111; 06-24-2016, 07:47 AM. Reason: added tags

  • 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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