Comments on: Credit After Bankruptcy

By: joy t.

joy t. — Thu, 14 Aug 2008 02:25:03 +0000

me and my husband are both employed currently, he has full-time job and i work part-time, we are not behind of any bills but could hardly make both ends meet every month, and eventually will never make it in the future. pls. help us which chaapter is best for us to file, we have 1st and 2nd mortgages, we want to keep everything because we have four children our property tax as of now has not been paid yet, we dont have a fix rate yet, will we be able to get a fix rate for our mortgage after filing bankruptcy?

By: Peter

Peter — Wed, 13 Aug 2008 01:03:05 +0000

Most of our debt is in my name. Can I file bk vs jointly to help save my spouses credit? How does that affect our home since that is in both our names?

By: Peter

Peter — Sat, 09 Aug 2008 17:24:39 +0000

If we are current with our mortgage, does it have to be included in the bk??

By: Laurie Schilling

Laurie Schilling — Wed, 06 Aug 2008 21:42:19 +0000

If we file bankruptcy how will our son get money to finish school? We have $16,000 out for one child, in his 5th & last year. We have $24,000 for another that is just starting his 2nd year. They will only give him $5400 as an unsubsidized. We have to take the rest out in part plus loans.

By: spence

spence — Sat, 02 Aug 2008 17:02:02 +0000

I filed for bk in 1995, sence then we have done very well for ourselves. I make about 55k a year, and will be losing my job at the end of 2008. Can i file for bk again, or do we have to tuff it out.

By: Kathy Douglas

Kathy Douglas — Wed, 23 Jul 2008 14:16:57 +0000

My husband lost his job in the last few weeks. My question is, if we file Chapter 7 will I be able to keep one of my credit cards that I’ve had for the last 7 years. 0 balance. I talked to the credit card company. The man I talked too said he was only a little familar with bankruptcy. If I filed he said that my CC account would be closed. 0 balance, and a history of good credit did not matter. Is this the case with all credit cards when you file bankruptcy?

By: A. Williams

A. Williams — Mon, 21 Jul 2008 07:01:23 +0000

I am going to be filing a chapter 13 but I do not have a car right now. I have been riding my bike and walking to work. I need a car to get to work and back. How long do I have to wait until I can get a car loan after filing for a chapter 13? Or would itbe better to get it right away be for the chapter 13 filing.

By: Io-Aurelia Duncan

Io-Aurelia Duncan — Sat, 19 Jul 2008 16:21:54 +0000

I was forced to stay home due to pain in my right shoulder on 11/1/2007. I had savings, which were used up by March 2008. Since then my auto lender and a credit card collection company have filed law suits against me. I filed bankruptcy in 1992 and had hoped not to file again. However, my disability benefits ran out and the state of New Jersey put me on General Assistance. The public (legal services) lawyer does not seem to know how to protect me from harassment from lenders. I need to keep my car to get to the doctor, etc. I am also applying for jobs. Will a bank hire me if I have all this going on financially? I need protection from future garnishment. Also I have a very old debt from American Express. I was told that anything over 7 years old I do not have to respond to. Is that why they send me something once every couple of years? Also, a moving company took my desposit and did not show up. Can I collect? How? I really need help.

By: Kristin

Kristin — Tue, 08 Jul 2008 15:42:29 +0000

We’re getting ready to file bankruptcy - mainly because of a house payment we cannot afford any longer. How much money can I have in savings without them taking it when I file? Also - If I have credit cards that do not have a balance - do these have to be closed because I’m filing?

By: Jeff

Jeff — Fri, 04 Jul 2008 12:15:06 +0000

If I file for a chapter 13 for myself, and not include my wife. What happens with the joint loans? The majority of my unsecured debt is soley in my name. Would we be better off, for just me to file a chapter 13?