Recent content by whoisonfirst

What is the name of your state?What is the name of your state? OR I recently applied for a college teaching position. Several issues have arisen, and I need some input: 1. A credit check was already completed. I know this because Equifax sent me a copy of my report with an FCRA notice...

Thanks Ladynred! :)

What is the name of your state?What is the name of your state? Oregon My husband and I filed no asset Ch. 7 in July 2004. Discharged November 2004. Case is closed. At our 341, our trustee inquired about the tax refund we had received in that year - the one we filed in 2004, for income...

Okay, folks. This is ridiculous. I will never again return to this site. What's the point? A special note to stevek3: I apologized for the length of my post; that courtesy ought to have been enough. How disgusting and sad that people are intimidated by a few meaty paragraphs. Is reading...

Thanks, Jetx. You clarified some issues for me. :)

What is the name of your state? OR Sorry for the long background story. I promise it leads to something relevant ... Earlier in November, I joined a gym. This facility was in the process of moving into a new location, so it would not actually open until December 1st (or so I was promised.)...

not sure - many have received different answers Some people (on this and other message boards) were advised to include student loan payments on their expense schedules. Others were advised not to do so. There have been recent court decisions that suggest student loans should not be given...

oh, and ... And don't get confused by the lending/servicing process for student loans. Though you will see a financial institution listed as the loan provider, as long as the federal government is guaranteeing the loan (like they do for Stafford and PLUS loans, for example), your husband will...

yes - he can get student loans Yes - he would definitely be able to get a student loan. Federal loans do not rely on your credit history. Private, non-government loans would be a different story, but the types of loans students usually seek (such as subsidized or unsubsidized stafford...

here is another resource, too Just wanted to let you know about another great advice forum, since you said you were having trouble finding them: http://www.chat-cards.com/wwwboard/bankruptcy/messages.html

thanks! In answer to the question, "Were we expecting this deposit refund when we filed?" We had completed the cleaning at the old apartment and turned in the keys, but our landlords were being hesistant with information about the deposit. We were not entirely sure we would receive it at all...

What is the name of your state? OR Hello everyone, Thanks for all the wonderful advice. My husband and I filed Chapter 7 in Oregon on July 20th, 2004. We received our Notice of the Meeting of the Creditors today. One thing worries me after reading this letter. There is one section that...

What is the name of your state?What is the name of your state? OR I recently retained a lawyer for Chapter 7 in Oregon. Now, I am starting to wonder if I chose the wrong person. When I have questions, the lawyer replies with terse, one-word answers, leaving me more confused than before. I...

Thanks! Thanks for the explanation! :)

What is the name of your state? OR Does anyone out there know if a creditor can claim a "purchase money security interest" even if no such claim or clause exists in the credit agreement? (This is the kind of security interest you might expect from a department store charge for furniture or...