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Archive for October, 2006

Will my bankruptcy affect my fiance?

I am in the early stages of bankruptcy. Will my bankruptcy show up on my fiance’s credit after we are married?

Individual Bankruptcy

Although I am married, I have a sole proprietorship. My debts are all business related. Can I file independently without interfering with my wife’s or family’s finances—things in her name or in both of our names, as opposed to the business debts?

Chapter 7 Bankruptcy – Time Limit on Filing Again

I filed for Chapter 7 bankruptcy back in 1999 discharged in 2000. Now I have major medical debt due to traffic accidents w/o insurance. I resided in Florida when this happened now I reside in Indiana. How long before I can file again and in which State do I file?

Thanks

recorable order for my car after my chpater 13 bankruptcy is finished

My Chapter 13 Bankruptcy will be finished Feb 2007. In my ltr from my attorney he said I would need a recordable order for my car in case I ever tried to sell it so that when they research the title itcomes up cleared. He wants to charge me $525.00 to do this adn if I wait until I would decide to sell it, it would be an additional $155.00 o re-open adn file it at that time. My question is this, can I do this adn thru whom, does it have to be by my attorney. It could be years before I decide to sell to sell it. Is this necessary?????? If I can do it myself, It would be better. Please advise.

Future husband filed bankruptcy 2003

My credit is excellent; obviously my future husband’s is not.
Once we are married; I change my name, will this previously filed bankruptcy of his effect my credit?

bankruptcy

Is it possible to have an established Chapter 7 bankruptcy dismissed before the time cited by the courts?

Is conversion from chapter 13 to chapter 7 possible?

I have just completed the first year of my 3-year Chapter 13 bankruptcy. I was told by an individual in the legal profession that because of my unique set of debt circumstances that I could petition the court to convert my Chapter 13 to a Chapter 7.

I am working and making my payments via employer payroll deduction and can continue without difficulty. However, if it is possible to get a “fresh start” by transferring to a Chapter 7, I would prefer to do so.

Although my vehicle was named in the bankruptcy, I am still making regular payments on it and my home.

Is it possible under the circumstances I’ve outlined to petition the court for a Chapter 7 instead of a 13?

NO KIDS JUST CREDIT DEBTS

I AM SINGLE. NO KIDS. WANTING TO GET RID OF CREDIT CARD DEBT.WHERE DO I START. WHAT IS IT THAT I WILL NEED TO START, AND WHERE DO I GO.

Creditor Reporting Discharged Item

Is it legal for a creditor to report an item on a credit report that has been discharged? If so for how long and if not how can I have the item removed?

Credit Card Debt

My husband and I now have about $47,000 in Credit Card debt. We were ok before Hurricane Katrina and then over this past year have come across hardships. Currently we are not bringing in enough money to pay even our living expenses much less minimum payments. Not long after the hurricane I had a very bad pregnancy and was put on bed rest. I then had a pre term baby whom is home on a breathing monitor. The fact of the monitor prevents me from making the income I was making to meet our bills. My husband and I have tried everything to keep our head above water and we have now gotten to the point that we were late on two payments last month. We went to debt consolidation credit counseling and were told that we couldn’t do that due to the lack of income. They told us to seek legal advice. I am still unable to work or find childcare at this time due to the monitor my child is on. We can’t afford for the credit cards to continue to go unpaid. Where should we go from here?