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    Chapter 7: Re: How Much Does a 523 Defense Cost

    You definitely should consult with a local bankruptcy attorney. He has to prove his case as you are innocent until proven guilty. Not many of these go through unless they have strong evidence against...
  2. Chapter 7: Re: Declaring Bankruptcy While Living Outside the U.S

    I don't see how they can collect from you if you are out of the country. If you were to file bankruptcy you would have to do it in this state in which you lived. I don't know if bad credit follows...
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    Chapter 7: Re: Voluntary Car Repo

    Recently most lenders don't want old used cars these days. It will cost them too much to pick it up and sell it compared to the amount they will collect.
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    Chapter 7: Re: Filing After a Settlement

    If you paid your parents back in 08 you should be safe. If you haven't been working, you need money to live on. The money you have left over should be exempt. Check your state for exemptions either...
  5. Chapter 7: Re: Trustee Avoiding Powers Chapter 7

    If the money was repaid up to two years before the bankruptcy trustee can ask for their money back. Usually, it's between 90 days and six months. That's why it's good advice to tell anyone planning...
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    Bankruptcy Issues: Re: Ex-Husband Wants to File for Bankruptcy

    Even though your husband is making the loan payment and lieu of child support, he will still owe child support. Child support is not dischargeable in bankruptcy. So whatever the court ordered in your...
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    Bankruptcy Issues: Re: Pennsylvania Wage Garnishment

    If they see you for the $12,000 and get a judgment against you, even though they might not be able to garnish your wages, they could possibly attach any property including bank accounts that you own....
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    Chapter 7: Re: Medical Bills in Bankruptcy

    Medical bills can be included in a Chapter 7 bankruptcy. In fact, and many times they are the reason for many bankruptcies. Have an emergency surgery with no insurance and you can rack up some huge...
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    Bankruptcy Issues: Re: Creditor is a Fraud

    I would show up at the meeting of the creditors to contest her bankruptcy. When filing bankruptcy it's the responsibility of the debtor to prove they are bankrupt and can't pay their bills. If you...
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    Chapter 7: Re: Voluntary Car Repo

    If you are in Chapter 7 bankruptcy, you owe no negative equity in the vehicle. That debt will be wiped out in the bankruptcy. Tell them why the vehicle is if you want to give it back and say they can...
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    Chapter 7: Re: Auto Lien and Repossession After Discharge

    It seems like you own yourself a Ford Explorer if it was discharged in the bankruptcy and they're refusing to pick it up. Make sure the debt was included in your bankruptcy and if they don't want to...
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    Chapter 7: Re: Co-Signer on Private Student Loan

    Just like Mr. Knowitall said, most private student loans are dischargeable in Chapter 7. You should send your bankruptcy case number to the lender and let them know that you are no longer a party to...
  13. Bankruptcy Issues: Re: I Do Not Want to Have to File a Joint Bankruptcy

    In most states you don't need to reaffirm a secured debt anyways. If he's filing separately and he's not on the mortgage and mortgage should not be listed. Remember to always be proactive when it...
  14. Bankruptcy Issues: Re: Filing for Bankruptcy Before a Couple of Judgments

    Your attorney is correct about the reaffirmation agreement. In most states it's not required if the loan is secured by property. Going bad about keeping property is if your situation continues to get...
  15. Chapter 7: Re: Will Bankruptcy Discharge a Federally Backed Mortgage

    I've never heard of a loan of this sort not being dischargeable in a Chapter 7 bankruptcy. It sounds to me that the Feds sold this debt to a collection agency they are using whatever means to scare...
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    Chapter 7: Re: Foreclosure Clock

    Depending on the lender, since you haven't made a payment in a few months you are probably already in their crosshairs. Since the debt was reaffirmed and you are responsible to pay it I don't believe...
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