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Bankruptcy Laws Tips
bankruptcy laws information
A question concerning bankruptcy laws?
Is it against the law for a HOA to demand dues after the timeshare was repossessed in a Chapter 7 Bankruptcy? It's been over four years, with multiple phone calls explaining the property was repoed, and yet, they are still trying to collect $3,500 in back dues. Is this legal, can they do this? Or can we sue?
With the new bankruptcy laws how old does debt have to be to qualify?
Example if I charged $500 for a television 5 months ago would this debt be able to be discharged in bankruptcy filed today? or what would be the length of time the debt would need to be.
What are the general rules of the new bankruptcy laws?
Aren't bankruptcy laws kind of pointless?
The more I hear about people declaring bankruptcy the more it makes me think the whole system is flawed. If you file bankruptcy you can clear many of your debts and it is a fact that credit card issuers will offer you MORE credit card offers after you've declared. Let's say you take those new offers and then don't pay them. You can't declare bankruptcy again but they can't throw you in jail so what happens? What is the punishment for non payment when bankruptcy isn't an option? Nothing.
If Obama changes bankruptcy laws, how long do you think that would take? Do you think it is a priority?
Just curious as to what people think because I am at the point where I might have to claim bankruptcy, but more so because of my private student loan debt with Sallie Mae and AES my payments between the two are over $1600 month and I am out of forebearances with both of them and lost my job several months ago . I am wondering if it might be worth it to wait to claim bankruptcy in case the laws are changed to included unsecure debt like private student loans in bankruptcy.
What are the current bankruptcy laws?
I have a friend that receives SSI and she owns a small condo. She has $40,000 in credit card debt, do to being injured in an accident. She is worried that she won't be able to file bankruptcy. Someone told her that she can't file. I thought that a person can file and itemize what they wanted to write off. For instance she can not file on her condo although it is mortgage free and keep one credit card with a small balance to have for emergencies. She has been receiving bad advice. My question is can she file bankruptcy, keep her condo, one credit card with a $200 balance and write everything else off? She cannot afford any debt, receiving only $700.00 a month.
Ca bankruptcy laws. If I file for bankruptcy and i have some credit cards payed off can i still keep them?
Tell me about bankruptcy laws? What changed with the changes?
I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. appear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems,but was able to work. I have always had to workat being healthy. Have to keep my weight down.I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care.I have no no health care. I am not going to proof reador edit this.I am sick to death of someone dragging up lieson me and slandering me with things which weregrossly distorted, exaggerated, calling me things which are lies, and harassing and degrading me over things which never happened in the first place. I have been battered four times by strangers due to peoplelying on me. Going to the state for help, ends up in my being trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse.I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp toms of ptst, due to abuse not by my parents.never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing. I really did save 10,000 cash when I was younger,no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into seriousjob discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises,my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have torent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job whichpays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not credit cards. My dps were cash, not credit cards.I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floorand they said come on. No problem. More than one.I have disposed of my pets, all but what I could mail,and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some dueto stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change. On unemployment. Kept my bills pd up for four months. Cannot get work any where. I took a review onlinebefore moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse,I cannot get any other kind of work. I take ACLSPals, at great expense. I take testing for college hoursMy brain is working. The ACLS , Pals was like a goodBLS except I got to do the airway thingie, put one in.We covered more meds. Open book. I did not usemy book for all that. This was expensive, credit.I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work.Finally, my money is gone. Credit gone. Creditorsknow. they know I am not working. Do not terminatemy credit. I cannot get work. I cannot pay my bills.I went to consumer credit. Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was notThat cut off the important part. I was denied work of any kind except two jobs which just about killed me phhysically.l My bills have increased. Emergency surgery. Rupturing appendix. I am screwed. Bank ruptcy recommended.recommended chapter 7. Taken to court to pay abill of ten thou cash. I am ordered to pay. How? I am not able to work. I am sick, in pain now. No health care. Will not take payments. Paying over four hundred out of my very small survivors social sefurity. Attorney says she will fine bank ruptcy gets all info.Says I insulted her, returns my money and this other vicious lawyers et onto me. Sick for a week after going to court. threatening and intimidating me. Stalking, Tell me to suck off. Go whore it out.Spastic colon worse Now the raynauds is going crazy. I am not leaving. No where to go. burned bridges. have gr kids here. nowaddicted to them. They ae killing me for money. No help anywhere. What is the deal bkrptyc.Not gay or bi. No need to tell me I'm screwedThis has a lot of racial overtones. They will not let me know my genetic heritage. I need to know for my healths sake. I look extremly white. I am not as white as I look. Threatened over this. I have never ever mentioned anything about any sor tof thing to get preference in employment. Preference, Ha. I have always duked it out with evryone else, slugged it out on my own.vDebt settlement is no solution. I have rent. which a hunk. My electricity bill just doubled last month. Rent and electric is a hunk of my check, medical is a big hunk, My rent just went up, and will go up again. Any increase in income increases rent. I am paying over a third, sometimes half of my income for medical. I still do not get to see a doctor every time I need to do so. i just received myh SS check. I have paid my bills and I have $173 left for car gas,for groceries for a month. I have not bought gro. I bought some extra stufffor something unexpected that came up.that 173 is for Christmas dinner, groceries, evrything, soap, etc.This is merciless, cruel, sick. It really is an attempt to make things so hard on me I will die, kill myself, or leave. I am not suicidal. I have no where to go. What is left. Bankruptcy is the only solution. They will not let me. There is something more involved here.I notice that Raul has no return email. What an unusual name, same as themerciless attorney.I do not owe 100.000. I may owe now about 50,000 60. I had about thirty or fourty thou on there for the emergency surgery. They wrote some off. I have paid some off.Much of that is finance charges. Much of it was medical, much of it was trying to get work, and expense of education trying to get work. As I said my creditors kept extneding credit even when they knew I was off. I had such good work credentials. HadI not htought i had work security I would never have made any bills.I am not a sneak or theif. My kids have absolutely no part in my problems. I am the victim here, not the perp. I have absolutely no reason, none, to be defensive or afraid because I am totally absolutely not guilty of any scheming or plotting or collusions to do anything dishonest. Nothing. I came on top of the world thinking this place was not prejudiced. Ha. I came thinking I would be treated as a human being. New life.Chance to have some happiness which I have not had since 1985. Delusion.Lied to. Victimized all over again. No.I do not like being a victim, but there is no word for it. I do not like some onein authority here trying to make it look like I have had " special" privileges.That is a blatant blatant horrible lie. Special abuse and discrimination is what I have had. This place is vilely prejudiced.The means test said It was a lost cause. i had so much debt. I cannot get an attorney. I am told the one I allegedly offended is the only one. I was 58 when I came here. They way I have been done means work is now out. I will be fortunate indeed if I do not die from this.I wouldhave had my BSN by age 60, and then my MSN by 62. Of course all this is out. It was all planned, my educaiton, and I could have done it.I am a hard worker, and I was dedicated to what I was going to do.I would have then been able to work less hours making more money and work into my seventies and never have to go through this degrading loss of dignity, resources, loss of education. It is as if I stepped into a hornets nest of hatred poverty and personal grudges against me. It is not fair. It has been devastating. Now there is nothoing ahead but stark years of poverty. I am not close to my relatives, there is no going back or forward. Pure viciousness. Nothing mor eor less.Looks so unprejudiced to visitPeople in health care work longer than others. Lillian Carter was waorking in the peace corp into her seventies.I was not going into the peace corp.I also was not going to be a missionary.Everything wa splanned. feasable, doable. I did not count on someones hating me enough to sabotage everyting. Not my kids doing it. I do not want to hurt them.Thought i was a person in my own right.My children did not do this to me.They are innocent of this. They are alsonot responsible for me. This was preplanned sadistic maliciousness, and I am not paranoid. Tnhey did not mean for me to survive this. This discrimination, hate crimes against me, has gone on for a long long time.I can spell, type, use good grammar, punctuation, etc. Why bother. What is the use. It is all pointless. Don't hollerdepression, etc.I've not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life.Never used drugs for wt control, ever.Never had a major mental illness.Never lost my license, ever. This is theGod's truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed.Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I'm ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwantedI've not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life.Never used drugs for wt control, ever.Never had a major mental illness.Never lost my license, ever. This is theGod's truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed.Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I'm ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwantedI have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it.I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it.I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.
Indiana bankruptcy laws?
My fiance is filing bankruptcy in Indiana and we are being told that his income tax refund and a workers comp settlement are subject to Indiana taking a portion. Not sure how or why....does anyone know anything about this?
Bankruptcy Laws and Exemptions need explanation in Texas?
I am considering filing for Chapter 7 bankruptcy I am recently divorced and and have lost about 26,000 dollars a year in total household income, as a result, I am finding in difficult to" stay afloat" . I have spoken with my mortgage company however they seem to be unwilling to help me. I have medical bills and a few credit card account which have been closed for years, my only vehicle is paid off, and the only real debt have is my mortgage which makes it hard to live with the monthly expenses of raising 4 boys. My question is, will I lose my house or will the debt be wiped clear? Or will the mortgage company be forced to finally help me? I live in the state of Texas Ellis County if that makes a difference My income is 33,000 per year and was told by someone that the new bankruptcy laws won't affect me because of the household size to income ratio.Can anyone with knowledge in the area help me by answering?
In Bankruptcy law in what cases could student loans be included?
I live in Ohio and my husband and I are filing bankruptcy. I was reading about bankruptcy laws and saw where it said that student loans could be included if the judge ruled that it would cause undue hardship. What does this mean, and when is it considered an " Undue hardship"
New Bankruptcy Laws and Salary limits?
I am planning on filing Chapter 7 bankruptcy due to a failed business and a foreclosure on investment property. Total debt is 190K and my total household income for a family of 3 is also 190K. I am wondering if I am have too much income per the new bankruptcy laws. I would like to avoid chap 7 but I can not afford this additional debt.Please keep in mind the 190K is the debt for the failed business expenses. This does not include my actual debt which includes my current home, auto, living expenses, etc
Bankruptcy Laws of 2009?
What are the new bankruptcy laws in 2009?
Question about NH bankruptcy law?
Hi, please only answer if you have knowledge of bankruptcy laws in NH. Here is my question...I need to declare chapter 7 bankruptcy my ex husband left me and is currently " hiding" , left me with a house I can't afford . The house has already been foreclosed, I have moved on with my life but need to declare chapter 7 to rid myself of the debt from the house. mortgage company can go after him now, mortgage is in his name also . Here is what I need to know I am renting a great place, and don't want my landlord to find out about the bankruptcy. I still fully intend to pay my rent, I don't see any reason for him to even know about this, it doesn't affect him in any way. Anyone have any information?
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