Hi, I'm new to the forum.

Just a little background, I'm in my mid twenties, I have 21,000 Amex debt, 6000 Wamu, and 800 Capital one and 300 Mervyns all unsecured credit card debt. All over maxed out. About 2 months without payments. All debt is within 3 years. I have not charged over...

I need to file BK. My BK L tells me to D first so that I have a better chance at a 7. My D L says that debt arrangements in D settlements are not dischargeable; so he says probably file BK first.

In question is the car that I owe payments on. W wants to keep the car and it's in my...

My husband and I are filing jointly so I believe we can keep both but I want to be sure. The concern I have is that the cars are still very new and are both in my husband's name. We have a 2006 Ford Mustang that we owe about $11000 on and a 2007 Chevy HHR that we owe about $11500 on. The payments total...

I need some advice. I need to file bankruptcy. I believe I will be filing a chapter 7 and am going to set up an appointment for next week to talk to an attorney.

My wife and I have 2 vehicles and they are both owned outright. My wife is NOT FILING with me. My first question is,...

I have a brand new vehicle and its become to expensive and I'm going to have to file Ch 13. Should I buy a cheaper car(I'm WAY upside down on this one) or keep the car and put it in the Ch 13? I looking for how they determine the compressed value of a vehicle? Can anyone help me?

Hello,

I am new to the BK Forum. My wife and I recently lost our home to foreclosure and we started our process of filing for bankruptcy. Last week, we had our initial meeting with a BK attorney, and he determined that we are ideal candidates for Chapter 7. After doing our budget,...

My car was entered in my plan. The amount owed was crammed down from $19K to just over $10K. My question is what happens if I want to sell the car? It's an SUV and I'd like to get something with better gas mileage.

I know I need to get permission from the trustee to sell it. If I...