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  • Dealing with Key Bank after Ch 7- negotiate vs waiting for garnishment

    I'll try to make this short. My husband has an over $120,000 private education loan with Key Bank . Our Chapter 7 was discharged in July. He is now getting calls from Key Bank- they just ask him to call. We want to have our ducks in a row before we call. Has anyone had success negotiating a payment...
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  • americanist
    started a topic Converting 13 to 7, Part II

    Converting 13 to 7, Part II

    Hi, all, I posted on this question back in March, but some things have changed, making me think that a conversion to Ch 7 is even more sensible. (Didn't do it then, as the $130/month bk payment was reasonable.)

    First: I just got a message from the court saying we've been dismissed--likely...
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  • chicago513
    started a topic What to expect in Foreclosure and Bankruptcy?

    What to expect in Foreclosure and Bankruptcy?

    Hi, I’ve read through a lot of the threads looking for the same type of situation as me but of course it seems that everyone’s situation is a little bit different. I’m really looking for some advice from some people who’ve been through this or are currently in the process. My wife and I have...
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  • deadbeat
    started a topic married with 2 cars - each jointly owned

    married with 2 cars - each jointly owned

    Hi all. I'm a longtime lurker and this is my first post.

    My wife and I will likely be filing a joint Chapter 7 BK in Illinois before year end. We own (with no loans) 2 cars that are titled in both of our names as joint owners. They are both "clunkers", so I WAS pretty sure...
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  • BK lawyer in CHICAGO? Any input/advice appreciated...

    Hi all! I've been "stalking" this forum for about a month now, and I can't believe how much I've learned already. (Thank you!!!)... At this point, though, I'm afraid of spending the next YEAR poring over these threads and never getting my butt into an attorney's office!

    ...
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