Hi forum experts,

I'm so glad I have found this forum since there are so many threads with great useful discussions.

I have been unemployed since just before covid and is currently overseas. We (wife with a 2 and 4 year olds) decided that we should stay overseas because covid...

Hi, I am new to this forum ... hope I am posting correctly...Question... ch 7 no asset, discharged and closed in June 2020. My credit report reflected everything correctly. Signed up with credit karma. Looking this morning and American Express ( had the card 26 years) removed my account and lowered...

Hello- been reading helpful advises since we started our BK journey in June 2018. Our case got converted to Ch 7, Aug 2020 and we already had our 341 meeting last 09/21/2020. The very next day Ch 7 Trustee issued the notice of no distribution and 2 days after old trustee from ch 13 issued the final...

I have been in Chapter 13 around 8 months. I keep getting Credit Card invitations in the mail. I was wondering if it is OK to accept the offers to start building credit score back. I remember that we should not add extra credit while in Chapter 13. Will accepting the offers jeopardize my Chapter...

My lawyer told me my payment is going to be high because I have a lot of home equity. My wife is going to retire early next year, our lawyer said he reduction of income, from salary to SS, I'm already on SS due to a disability, will not matter to the court. Has anyone else encountered this. The payment...

The attorney contested the $460 monthly increase (as posted on another thread) and now the payment will be $90 less . But we have to come up with $371 more now to make up the payment for Sept. ($930 total). That is going to be rough enough but now we appear to be on the hook for even more money than...

Hi,
We're retired. We live in Idaho. We have no mortgage. Home value $150000. Idaho homeowners exemption $100000. We're doing ok, for now, but if down the road, we needed to file a chapter 7, is there any way to stay in our home, other than coming up with $50000. Would a reverse mortgage for $50000,...

We had planned to sell in 2022 on the competitive market but it is now clear due to yesterday's sewer revelation we would have to fix this first along with a whole host of system issues to be able to pass inspection.Then there's the solar panel lease to deal with.
Has any one accepted one of these...

I am wondering if a sudden and total breakdown of all the houses' systems prevents us from selling this home in 2022, could Tesla force us to file a second BK13 to rid us permanently of this solar panel lease which in effect until sometime in 2033? If we let the house go into foreclosure,would we still...

Hello, everyone.

I was just wondering what are my chances of PayPal approving me for a credit card. My discharge from Chap 7 bankruptcy was 11/17. No late pays since my court date after filing, and I have rebuilt my credit rating since then pretty close to what it was pre-BK. Around 660...

We are being sued in a foreign country. We are being sued for over $50,000 dollars. Their is a good chance they will win the case.
If they decide to bring it too the United States we will be forced into bankruptcy. However at this point of time they have not done so.

What...

Our credit report lists about 20 creditors. 8 are active with balances that I haven't been paying on for the past couple of months. All of the other accounts but 1 are closed, and all have $0 balances (due to having paid them off). 2 are paid off and closed auto loans. A few of the closed cards...

Are medical debts dischargeable in a Chapter 7 if they are only under the filing party's name? If the filing party is married, will the non-filing spouse be held liable for a spouse's medical debts in a Chapter 7? (In Colorado)

Are medical debts dischargeable in a Chapter 7 if they are only under the filing party's name? If the filing party is married, will the non-filing spouse be held liable for a spouse's medical debts in a Chapter 7? (In Colorado)

Hello:
.
If a debtor enters into a payment contract with a collection agency, after originally defaulting on the credit card account before the agency purchased it, but then the debtor made no payments at all to the agency (and had no intent or ability to), would that debt still be dischargeable...