Hi yet again,

Since the last charges on my WF credit card were on 01/29/19, I decided to wait and file Ch7 on April 30 so that there'll be a full 90 days between the time I last used the card and the time I file. Not worth the risk to file sooner, IMO, even though my charges were for either...

I have no idea if this is the right location for this question so please forgive me if it isn't.

Our bk was discharged in October but it is not yet closed. We owned a house on about 11 acres free and clear where the mother in law had been living for free. She refused to move so we had...

I have an online business that has been losing money for the past few years. I had to go back to work as a software developer.
I met with an attorney and he says that I would qualify for a non consumer chapter 7. In addition to the failing business I have a rental
property that have I never...

I am Amex Account Manager and an Authorized User. I will be filing Chapter 13 soon. Should I remove myself as an AU and as an Account Manager prior to filing or just as an AU. I do not want to negatively affect the primary account holder’s account. What should I do?...

I filed for chapter 7 in February, I was drowning in credit card debt and payments for student and personal loans. Over the past 5 years my debt went from 50k to 200k, a lot of compulsive buying and taking from one card to pay another escalated my debt fast. By February of this year I had only been...

Good Morning!!! I’m a newbie to the forum and let me start by saying this forum rocks! I found more information here than what I could get from my lawyer whom is making money!!! The million dollar question is, if my case is already on “automatic discharged” status does it mean that I should go...

My Chapter 7 was filed July 28, 2017. The Meeting of Creditors was held Sept. 1 and the discharge was on November 1st. I had given my attorney all documents pertaining to any outstanding contracts so that they would know how to classify the debt. I had two loans to a finance company for furniture. It's...

My husband and I filed together, we've been discharged for awhile now. His credit score seems to keep getting higher and mine is still the same. Also we applied for credit cards to build credit and he get approved for more then I do? Does anyone know why that is? I'm starting to get frustrated. Does...

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...

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...

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...

I'm filing for Chapter 7, I'm thinking of giving up my home.
The issue is I have a balloon mortgage on my home, is it worth it to keep it or not?

Comps on the house is 85k
Previously owe 71k
19 year left on the mortgage
Balloon payment 30k after 19 years
2%...

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...

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...

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...