i am being granish of my wages on a vehicle that i had that was repo due to the fact that i was in the hospital and couldnt pay the note i cant live off of my wages after garnishment my check was 57.00 dollars for a 2 week period and i have two kids to feed
so what would you suggest

I filed chapter 7 in 2009 and I recently Google my name and saw the filing online, is there any way to remove this?

I got a captiol one credit card, they have ones that people with bad credit can apply for and you can rebuild your credit

So we just emerged from three years of ch 7 - completed and released but it's not over. Trying. To figure out how to restore credit without dealing with the Predators.  Seeking interaction with anyone who has experience/ideas

After 10 horrible years of just writing off two creditors....I have to say I regret it and wish I didnt have such a strong sense of ethics;) It has fallen off my credit report in October of 2012. Thought it was all good and done until yesterday when I got a letter from Ford Motor Credit and it was a 1099 tax form for 2012. They are saying I am responsible for over $2600 dollars to claim on my taxes this year. Funny story is they sent it to my parents house under my maiden name. I want to scream at them but they dont know my current married name or address and I feel this is really illegal. Any thoughts? This sounds like a scam for them since I was relieved from the debt 11 years ago.

Hi All, I've just faced the reality that I'm going to have to post Chapter 7.  I've survived during the last few months draining my 401K and IRA, and wearing out what had been a stellar credit rating until this year when the balanced exploded.  The Banks kept sending me the voucher checks without any solicitation on my behalf, it bacame survival v. preserving the credit balance and rating.  As a result everything is way out of hand.

I graduated with a master's degree in May 2009, a few months after Wall Street Banks and Investment Firms destroyed the economy, so I have no sympathy towards the Banks who issued the credit cards.  I am depressed about loosing the credit rating I worked so hard to establish and preserve over the last twenty years. 

 What I'd like to hear is comments on what life is like after bankruptcy?  Such as finding a job, apartment, re-establishing credit?  What steps were taken?

Please help me out with your experiences with the after Bankruptcy life?

I just lost my second job in less than two years, as a result of companies downsizing due to the economy.  Last week I started the Chapter 7 process.  I have been sruggling financially and stressed for months and months, but always able to make my payments until my lay off on 12/1/12.  I am ashamed in so many ways, but will be relieved to be debt free.   My biggest fear is I will never be able to find a job again.  Can anyone please share their story on finding a job after bankruptcy that can give me some hope?

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After 25-plus years of bad habits and fooling myself, my situation has come to a head.

I wish that I could point to medical problems or household crises to place the blame, but the truth is that the blame lies squarely on my shoulders.

For many years I have made my payments on time.  There have been plenty of scares, but there were always tools to work my way out it temporarily.  I've liquidated 401k's, stock options, refinances of my house with cash out -- all of it holding off the inevitable.

Things were already tight, but then my wife lost her job.  Now, for the first time in 25 years, I have no clever escape route.  Time to "pay the piper".

I have a good career.  I make good money.  I should have been able to fix this years ago.  I didn't and now I have to file bankruptcy.  

For most of us, this is a real hit to the self-esteem.  Over at my blog "Going Through Chapter 13 Bankruptcy - Confessions of a Spend-a-holic" I am doing plenty of navel contemplation.  There's no advertising, I am making no money off of this.  What I am trying to do is tell my story and try to relate my feelings and experiences  so that I can come to terms with it.  You're welcome to come on over and join me.  I can't post links, but it's over at Blogspot and you can likely search for easily on Google.

Meanwhile, I need to pay for my financial indiscretions.  May this be the wake-up call to finally change my behaviors.  

Excellent question and would like to know the answer, too.