rose asked:


I am trying to file bankrupcty without an attourney because quite frankly if I had $1000.00 or more extra dollars laying around to pay a lawyer I wouldn’t be filing. Anyway, there are places on the forms where you have to list the “date incurred” for each debt you are including. Some of these debts are very old and I can not remember when I incurred them. Some of them are credit cards and are several charges incurred over a period of time on one account. I am worried that if I enter a wrong “date” it will some how effect the discharge of that debt. For instance if I entered 2004 for a debt actually incurred in 2003, would any amount owed prior to the date I entered (2004) be excluded or would the debt be excluded alltogether if the dates aren’t accurate? Will my bankruptcy fail acceptence if the dates are wrong? What are the guidelines?

yuniquematthew asked:


My score now is I think less than 500. I have tried to get credit but they have denied me due to many outstanding debts. I thought that after you file they only see that you filed for bankruptcy?? Please help because I am lost.

Bradly M asked:


I filed bankruptcy 7 years ago. My Lawyer done good to get the debt released but there is still a lean on my property. Now I am selling my house but there is still a lean that I have to repay. Is it possible to have it released? and How.

R P asked:


I know of a person who fell on some very hard times and now has let 8 months go by without paying on his credit cards. It appears that now some of the cards have written off his loan as bad debt, or have turned the delinquent accounts over to collection agencies. This person is unfortunately still so pennyless (and so in debt- close to $80,000 between a handful of credit cards) and he still cannot afford the legal fees to file for bankruptcy. At this point, since he is so delinquent on his credit cards, and his credit is already turned bad after being delinquent for 8 months, is there any reason to file for bankruptcy? He has heard that the bad debt will drop off his credit record after about 7 years, just as one’s record of going bankrupt would. Can anyone validate that this is true? Could there be any advantages for him to go through the bankruptcy process at this point? In other words, what would be the difference in his credit ultimately?

m asked:


I had a few judgements that were supposed to be removed from my credit report when I filed for chapter 7 bankruptcy, but 2 of them are still on there. How do I get these removed, like who do I contact. One I had contacted someone before and they said they were going to remove the item, yet they haven’t and it is being reported on all 3 agencies which I am sure is bringing my score down. The other one is only on my experian, but it should have been removed once I declared bankrupcy right. There was also a collection that was never removed. All three of these items are on my discharge report and my report when I filed, so they should be gone right. Any info would be greatly appreciated.

whatispunk asked:


I lived in the US for a while and I have loans owing there. I also have loans in Canada. I am finding it impossible to afford it all and I don’t really want to file for bankruptcy. However, If I file for bankruptcy in the US how (if at all) will it affect my credit rating in Canada?

randbj asked:


I would like to know wether my bankruptcy went through. I filed for it already a year ago and went to court. thanks
okay good. i applied for a credit card from over 10 places and no one accepted me. 10 points

happycamper1 asked:


I need a vehicle but can’t find a lender who will approve a loan while in a bankruptcy.

Christie S asked:


I was told my bankruptcy was filed this morning and I would like to start rebuilding my credit as soon as possible. All the tips I have read refer to what to do after you file bankruptcy but they don’t say if I need to wait the 2-3 months it will take to be discharged before I can apply for credit.

ehrhartrl1 asked:


I filed for bankruptcy about a month ago, and paid him in full last week for chapter 7. Well my bills for my loans and credit cards are due again and I’m wondering do I still have to pay them since i already paid my lawyer and filled out all the paperwork for the chapter 7. Or do I just let it ride until he does whatever it is he does?