hi can any one help me.
i have been living in the usa for five years now but i have had to come back to the uk for one year because of medica probs.
while i have been hear my bussines as gone down big time and i want to go chapt 7 can i do it all from the uk ? does any one know thank you.

I just filed for 7 - after my husband lost his job, and he then moved out - leaving me with all financial responsibility - so I filed for divorce. Then I couldn't keep up with the bills and maintenance costs of the house anymore, plus, my employer implemented unpaid time off which means less income for me. And I had excellent credit for over 20 years and been most responsible all my life!

First I decided to negotiate my two mortgage loans - that's when my credit began to crumble. Not a nice feeling, but I knew this would happen. Next, my Chase credit card interest rate went totally up - that was unexpected and caused me frustration. I also had another loan and credit card from BofA. After some research, I decided to try debt settlement, signed up with a firm for that, and started to pay into an escrow account for that. Meanwhile, my first mortgage company was considering a modification - yeah - I was so hopful to keep my home!

So far so good, right? Nope - as soon as I signed up with the debt settlement firm, Chase mailed me legal papers - they were suing me! That was unexpected and that's when I began to feel awful. So now I had to contact a lawyer who suggested chapter 7 - and because of my good income, I will have to let the house go to even qualify! So now I am loosing my home and my credit for 10 years! I had to gather every statement, every bill, every expense, and sign legal papers and now I need to start packing to move as the house will be foreclosed soon. In the meantime my new boyfriend breaks up with me because I am a bit more frustrated than usual - and my cat just died so, my car needs a $1000 repair, and  my family lives far away so I basically have little support.

Filing for bankruptcy is gut wrenching to me becuase I worked so hard for over 20 year to buy a home and build a perfect credit, and then within a year I see myself losing it all at once.  I am hoping for the better times to  come and pray to have my life back one day - but right now going through this is hurtful, frustrating and makes me feel rather lonely as I don't like to talk to anyone about it.

My Ch 7 bankruptcy just went through. It was a long process that began in January. My story is much the same as the others I've read - job layoffs, marriage problems, a mountain of bills/debts, etc. It's amazing how many people are going through the same things right now that you never know about. When I had my court hearing, I found myself in a room with more than a dozen others - and an overworked official who had to hear all the cases in about an hour. Amazing. The one piece of advice I'll give to anyone who is considering this is to hire an attorney that specializes in bankruptcies. The one I used made the whole nerve-wracking process a little more bearable. They also understood my disastrous financial situation and worked out a manageable payment plan for the fees and costs. Oh, and don't wait until everything spirals out of control. I started "running the numbers" a year before I filed and realized that if nothing changed I was going to have to take this step. At the time that I filed, I hadn't missed a single debt payment (but I was down to zero resources and looking at big, big problems). I went the route of consulting with CCCS, but the repayment plan they came up with was ridiculous. I also called one of my credit card companies and asked if they could shuffle the debt to make my monthly payments a little lower. They declined, and actually advised me to file. I spent countless sleepless nights worrying and fretting, and my health declined. In a really awful situation, it was my last and only resort - and now I just need to learn to live with it....and get on with my life.

I suggest you get a buyer's agent realtor to help you find a house with Seller financing.