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chapter 7 x

  • 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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  • JJH77
    started a topic Considering Bankruptcy

    Considering Bankruptcy

    Hi,

    Hoping I can get some insight here on chapter 7 in New Jersey.

    After fighting so so long my husband has given the green light on bankruptcy. Due to illness starting 3 years ago and a car accident we fell behind on things and it snowballed.

    We live in NJ,...
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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, 07:27 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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  • MIGirl
    started a topic Being sued for repo, have to file now

    Being sued for repo, have to file now

    I have been thinking bout filing for BK for a couple of years. I just got served for a lawsuit for a car that was reposessed about 3 years ago. I owe about $10k. What is the best way to make sure I don't get a default and then have to deal with it?

    File BK before the time runs out to answer,...
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  • nexus76
    started a topic Value Automobile Ohio

    Value Automobile Ohio

    I'll try to make this short. Received my first summons from which I assume is the original creditor certified mail on Monday (I have 28 days to answer), I am $47,000 in debt - all credit cards. I planed on filing Chapter 7, just for some reason I thought I would not get sued for a few years. Mainly...
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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, 10:31 AM.
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