hey guys im 23 and completely new to this whole thing.

I consider myself pretty middle class financially and I live a very modest lifestyle and always within my means, but something has just rocked my world.

I just got a letter that I was being sued for downlading and uploading...

We finally received our Chapter 7 discharge last Tuesday. It took over 8 months after filing. There weren’t any problems which caused the delay but we are in the Virgin Islands and it seems like everything takes a lot longer here. One of the debts that was discharged was for a mortgage for a property...