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    1. B

      Bank account debited-- is it legal???

      Ladynred, I don't think they have a judgement against them yet. I don't believe they've even been officially served with any papers at all. After what we went through, I really don't want to see them go through the same thing... hence, I'm in here looking for answers. I guess checks are bouncing...
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      Bank account debited-- is it legal???

      What is the name of your state? Illinois Some close friends of mine are going through similar financial problems that my wife and I were about a year ago. EXCEPT... one of their creditors debited their bank account $800 without them knowing about it, and the balance they owed that company was...
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      How long till we have to move?

      What is the name of your state? Illinois Our chapter 7 was discharged in August 2002, including our house. Our mortgage company has taken their time in getting the foreclosure started, and our attorney had originally told us that we have at leaset 6-months to remain in our home once we get...
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      Went to creditor meeting...

      We weren't given much information at the meeting. About how long does it usuallly take until discharge?
    5. B

      Went to creditor meeting...

      Illinois Well, my wife and I went to our creditor meeting. No one else showed up. It was us, our lawyer, and the trustee. 5-minutes later, we were done. It was harder finding a place to park than the meeting was. I want to thank all of you for the advice. You've helped turn a difficult...
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      Got served papers!!!

      My wife called to try and reschedule the court date. The attorneys office said, "Well, would you like to make payment arrangements?" My wife told them that we were filing BK.... they said "No, we won't change the court date." She did tell them that we wouldn't be able to make it, so isn't it...
    7. B

      Got served papers!!!

      From the sounds of things, it will get done prior to the hearing. BUT... in the event that it doesn't, are they going to start garnishing my wages? Will it get discharged with everything else?
    8. B

      Got served papers!!!

      Illinois: We consulted with an attorney on this past Wednesday about filing for BK, and that very night, we got served with papers. We got a hold of the attorney right away, and they're going to try to get our BK filed before our court date of May 13. Now... my question is, if we don't get...
    9. B

      Renting and re-locating

      Okay... we're finally getting ready to file. I do have a question though. My wife and I have decided that we're going to relocate during/after filing BK. I'm wondering how the bankruptcy will affect our ability to rent. Will they not rent to us at all? Or will we just have to put down another...
    10. B

      Buying a home after bk

      That's kind of what I was expecting. Is there ANY way to move sooner? Maybe we'll just start fixing up our current home so we can get more out of it when the 24-months is up. Thanks for the quick reply!
    11. B

      Buying a home after bk

      My wife and I are scheduled to meet with an attorney this evening to discuss filing for bankruptcy. As stupid as this may sound, we've also been talking about relocating to a cheaper home, or one in a different area that is maybe cheaper, but bigger. Is this still going to be possible after...
    12. B

      Ziinet bankruptcy engine

      Re: Re: Is it true ??? I just asked about this very thing in a thread I started a few days ago. How much did it end up costing you to use the ziinet process? When you say, "You're not paying for the secret information..." what are you paying for? I was under the impression that you were in...
    13. B

      Best way to go???

      First off, thank you all for your help! As far as renting goes, rent around here is about $200-$400 cheaper than my house payment. And unfortunately, our house is a little on the small side, so getting out of it into either a larger house or apartment would probably be best. I've read mixed...
    14. B

      Best way to go???

      I'm sorry, I'm in Illinois by the way. I forgot to post that earlier. Thanks!
    15. B

      Best way to go???

      Well... I don't know if we could sell the house right now and get the whole amount. Income is about $30K a year... plus my wife is waitressing, but that's going to end soon with the arrival of our second child. With the mortgages, car payment, & credit cards, we're about $150K in the hole. We've...
    16. B

      Best way to go???

      I am married with a 4-year-old daughter... and I have another child on the way. Like most everyone else considering bankruptcy, things have gotten pretty bad. The stress is getting unbearable, and I'm starting to worry about the stability of my family. We hate the thought of going bankrupt, but...
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