Recent content by librarycard

What is the name of your state? Ohio On the Ohio chapter 7 form, it asks, under personal property, if you have any crops, growing or harvested. Does this include something like a family vegetable garden, or do they just want to know if I own 7 acres of soybeans (which I don't lol).

I haven't tried to talk to them, other than the guy who came to our house. His excuse was to hand deliver a letter telling us to call them. I just said ok and let it go at that..didn't tell him anything or ask him anything. We are getting ready to file Chapter 7, but I'm not going to talk to...

What is the name of your state? Ohio Has anyone ever had a run in with Mr. Money finance? We are less than a month behind and they have called my cell phone at least twice a day since the due date, sent a letter EVERY day this week, and even had someone come to my house! Would a cease and...

What is the name of your state? Ohio If I file ch 7, once the hearing is done, then what happens? Does the trustee keep an eye on your situation for a certain amount of time, as in ch 13 with the payment plan, etc? And in filing ch 7, who determines the worth of personal property? Do they send...

What is the name of your state? Ohio A couple of questions..one inspired by the post of things not to do. We are in the process of selling a home. It's been on the market for a year and has just this month gone into contract. If the contract falls thru or not, we'll still be looking at bk. Two...

What is the name of your state? Ohio I've been reading 'Personal Bankruptcy for Dummies' and ran across this chapter on preferential transfers. I understand the concept..that if you pay a bill or repay a family loan, etc, right before bk, then the trustee can sue that person for the amount you...

thanks! and another question... I have just picked up several books from the library about bk...most of them state that the exemptions apply to chapter 7 and not really to ch 13. Is this correct? Thanks

What is the name of your state? Ohio I'd love to hear from anyone in Ohio that has filed bankruptcy. I'm so confused! In fact, any advice at all would be helpful. We bought our house last year and we have one car that is paid off and one that isnt'. Can you keep house and car when you file...

Ok, what about if the credit card account was opened in TN, no idea when it was actually opened but dla was in '93. Now I reside in Ohio. Oh, and get this..the collection is FOR a collection company. I don't get it..one collection company buys out an old charged off cc, then hires another...

Where do I find the statute of limitations? I've seen two websites that specifically listed credit cards for ohio, and they said 6 years, but bankrate only has the 15 year sol with no credit card distinction. thanks

What is the name of your state?OH Anyone here ever heard of or dealt with Merchants Credit Guide Co. (Chicago, IL)or Asset Management Services (Scyosset, NY)? I recently received a call from a collector (I'm assuming..he didn't identify himself) on my machine..he seemed to think someone had...

Is there anything they can actually DO if the account is 30 days past due, other than bother me with phone calls and late fees? Don't you have to be 3 months past due for forclosure?

What is the name of your state? OH Hi, I am curious about this..I got a call from a member of our mortgage group..I am a little behind and I just sent the payment, including late fee, for last month...he calls and leaves a message on our machine that he 'just received check number 1234 for...

What is the name of your state?Ohio Hi, I have recently run into some financial issues and suddenly my cc are overlimit...one example: I had a pmt due on the 20th..7 days ago..they now have me listed as 33 days past due and thanks to the late charges I was pushed over my credit limit, and even...