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    1. J

      Does Trustee pull your Credit Report

      What is the name of your state? NY I am just curious...does the trustee pull your credit report? I listed all of my creditors so I am not worried about it but I work as a mortgage processor and I see a lot of matrix's that do not include items that were reported on the credit report at the time...
    2. J

      Just signed retainer and lawyer will file next week

      Jsut wanted to add something since it seems to be something everyone is asking about: My attorney said that the tax return which I received and spent was not an issue because it was less than $2500 per person.
    3. J

      Ch7 and Auto Repossession and credit reports

      I would file a dispute with credit bureau based on the item being included in BK and let them deal with the creditor. The creditor must respond in 30 days or it must be deleted from the report.
    4. J

      Judgement/Attorney wants phone calls not written correspondence

      Thanks for all the information but I have gone ahead and filed BK.
    5. J

      Ch7 and Auto Repossession and credit reports

      If it was my file I would request a copy of the BK matrix and the discharge notification.Does the name and account match the credit report? You may also want to send a copy of the matrix and discharge to the credit bureaus. I have done that on a couple of occasions with a borrowers permission to...
    6. J

      Ch7 and Auto Repossession and credit reports

      I work for a mortgage lender and when we look at credit reports we are looking for accounts that are past due, judgements, in collections or open(open accounts because they can effect your debt to income ratio). If the account only shows as closed it shouldn't be an issue. Let me ask you...Did...
    7. J

      Just signed retainer and lawyer will file next week

      What is the name of your state? NY Just wanted to give everyone an update and Thank You for your advice. I just got back from the lawyers office and signed the retained. He said that the paperwork will be ready to sign next week and that our case is very straight forward. He also said not to...
    8. J

      My Cars and Chptr 7

      What is the name of your state? NY I have posted here previously and now have another question regarding chptr 7. I have two cars in my name. One my husband drives and the other I drive. One is a 1990 Plymouth and is on it's last leg Black book is about $400. The other is a 1990 Volvo which is...
    9. J

      Creditors meeting

      Thanks for your response Thank you for the response. I would really like to pay it but it just isn't possible. I even asked the bank to drop the interest rate or lower it and they said no, so BK has where I have been left. I guess I am a little nervous and I feel kind of embarassed about the...
    10. J

      Creditors meeting

      What is the name of your state? NY I am waiting for an attorney to call me back to start the chapter 7 process (both my husband and myself will be filing) but I have a question and thought I would ask it here while I wait. I know I should discuss it with the attorney as well and I will. I...
    11. J

      Judgement/Attorney wants phone calls not written correspondence

      Sorry I forgot to mention that my contact in the attorney's office is now telling me that I am being uncooperative and making insuations to the fact theat they mat continue legal action even though I am making payments? Is there anything they can do besides put a lien on my paycheck? I have no...
    12. J

      Judgement/Attorney wants phone calls not written correspondence

      What is the name of your state? NY I have a judgment which I have been making payments on and am about half way paid off. Before this account became a judgement I was making payments to the attorney and was told that they would stop the judgement process as long as I continued to make payments...
    13. J

      Online College Degrees/Education

      What is the name of your state? NY Can I use the tution I am paying for an online program for the education expenses on my taxes??
    14. J

      Can I do it myself

      What is the name of your state? NY My husband and I have decided to seperate. Can we file the seperation papers ourselves? Do we have to have an attorney? Do you have to seperate before you can divorce?
    15. J

      Notorized agreement

      What is the name of your state?NY I have a notoprized agreement between myself and my ex that he was to pay certain credit card debts, I have come to find out that he has not and my credit is trashed. Can I take him to small claims court??? And how do I start??? Can I get a garnishment against...
    16. J

      prior joint account with ex

      What is the name of your state? New York I am currently making payments on a past due account that I have a written and notorized agreement that my ex was suppose to pay but has not and is now reporting on my credit. Is there anyway that I can keep it from reporting as paid on his credit report...
    17. J

      Help....collection agency not honoring the reduced settlement

      What is the name of your state? NY I received a collection notice which offered a lower payoff if I sent the payment by a certain date and returned the letter signed that they sent me. It was a very simple letter explained the options...setting up payment arrangements for full amount or pay...
    18. J

      Child care grant

      What is the name of your state? NY My stepson's mother has a child care grant where she only pays for part of the expense. Because we have him joint custody now they say that we have to sign up for a grant ourselves...she is saying that my income is going to be included in the picture??? Can...
    19. J

      judgement lien and wage garnishment

      Refinance with Cash-out Do you have enough equity in your home to refinance with cash-out? Enough cash to pay off the lien from the credit union. Many ELC mortgage companies will still refinance with cash-out if you are using that money to pay off the lien. They would require it and a check...
    20. J

      Can they seize my bank accounts

      What is the name of your state? NY I am behind in a lot of bills but rather than bankruptcy I am trying to pay them off and I would like to open a checking account to make it easier for me to send payments instead of getting money orders. Can the creditors take my bank accounts. There wouldn't...

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