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    1. B

      Chapter 7 Income Requirements?

      You get a $100 but, you turn around and spend it on necessary living expenses. You'd have no trouble getting a chapter 7 bk discharged. Most bk lawyers give initial consultations. Talk with a couple and get all of your options explained.
    2. B

      Questions about Bankruptcy

      Chapter 7 is personal bankruptcy. The deficiency caused by the repo is now unsecured debt and can be wiped out right alone with the cc's. On the car you want to keep, you may just be able to keep making the payments. Reaffirm means you want to legally maintain the current debtor creditor...
    3. B

      Chapter 7 Income Requirements?

      Whoever posted that is a total and complete dumbass. There are no income rquirements in the bk code. Not sure I understand your other question. What is your income and expense and the amount of the debt you wish to discharge. Try this expense calculator to get an idea of expenses...
    4. B

      Bankruptcy Reform Bill???

      Make NO property transfers this close to filing unless, a lawyer advises you that it's OK. Any new BK bill will take affect 180 days after the President signs it into law. So, if it passes you'll likely have some time. There are lot of pressing issues for this Congress and Sen. Schumer who has...
    5. B

      Bankruptcy after judgment

      Yep, assuming it's not a student loan or court ordered child/spousal support.
    6. B

      Bankruptcy right thing to do?

      $140K in cc debt. Yikers! Yep, time to take a seat in the bk lounge. :D
    7. B

      Judgement in Norway

      Certified, return receipt requested
    8. B

      Debt Settlement or BK?

      So why doesn’t everybody do credit settlement when it also cuts your debts and keep your credit intact? Because the programs are total BS. ) Does the BK court consider my EXCELLENT current salary from my temporary job in order to decide if I am eligible for Chapter 7 case? The key word id...
    9. B

      Judgement in Norway

      Out of curosity, who is the collection agency? They are bound by the FDCPA and must furnish you a copy of the judgment. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in...
    10. B

      Going Hogwild and then Filing BK?

      He runs a huge risk of the bk being dismissed for substantial abuse. They both need to sit down with a lawyer and get all of their options explained.
    11. B

      Debtors Prison

      The creditor takes you to court and then if you don't pay you go to jail for contempt of court. While it requires an extra step by the creditor, you can and people do go to jail for credit card debt. That statement is total BS. The only way you go to jail over debt is if you fail to answer an...
    12. B

      Chapter 7 question

      Here are the Ga. exemptions and it looks like in some circumstances, life insurance may be exempt from creditor seizure. http://www.bankruptcyinformation.com/GA_exemp.htm Most bk lawyers give free initial consultations.Take Mom to a couple and see what they suggest.
    13. B

      wife filing bankruptcy w/out husband

      If these occured prior to marriage. your husband has no liability.
    14. B

      File 13 or 7?

      You've a fullblown mess on your hands with masive debts and comingled assets. Nobody is going to let you blow off the cc's and start sticking $500/month in the bank. What sort of payback did the lawyer think you could get with a Chapter 13? Please don't try a 7 pro se with this sort of tangled...
    15. B

      Massive Debt

      They'll have to sue you and win to be able to garnish wages. I'll bet a cookie a debt collector told you that. How do you know when a collector is lying? Their lips are moving! If you truely intend to file, quit talking on the phone. Send them all a cease and desist letter saying no more...
    16. B

      Spouse Has to file Bankruptcy too?

      Well, they try and schedule the 341 meeting of creditors within 30 days of the filing date. Creditors have 60 days from the 341 meeting to object {the vast majority don't} and he should be discharged at some point after that 60 day period. Figure 90 to 120 days depending on the court and trustee...
    17. B

      Need advice, urgent

      Pull your credit reports and see where you stand.
    18. B

      Massive Debt

      In theory, they can sue anytime but in reality, they'll very likely do nothing for at least 6 months or more from first default.
    19. B

      Spouse Has to file Bankruptcy too?

      No, she doesn't have to file but, if they have joint accounts that are included in his bk, the creditors can then come after his wife.
    20. B

      What to do?

      Well, if your income is zero and will be that way for awhile you likely should file bk. The only way it would be dismissed is if you did something that gave rise to substantial abuse like running up the cards in a short period of time and then filing,etc. Yes, you could pay $200 and not have...
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