mjmcgee30 asked:


What can i do to increase my credit score and be able to buy a home ASAP while i am still in chapter 13 bankruptcy? what is the best way to repair my credit, legal/illegal

jmwest asked:


If everything goes as planned, next month I will be filing chapter 7 bankruptcy. I have a free car to drive as long as it lasts, but I will need a newer car fairly soon. How can I get loan for a newer, more reliable car (not neccessarily a brand new car)?
That’s the thing – I DON’T have the money for a new car. My current car payment was about $500/ mth. I can’t afford this after rent, utilities, etc. so I am letting the car go back. My parents are letting me borrow an old car which is quick possibly on its last legs. I only pray that it lasts for several month. However I will probably soon need a newer more reliable car and I don’t have any money in savings for a down payment. After I finish paying the lawyer, they will file and I can save the money I am paying them to put towards a used car, but will not have enough to totally pay for it.
Look, this is not something that I WANT to do, I have not choice. And FYI this all started with a job loss. I have been struggling, trying to do everything I could NOT to file but it’s gotten so big there is no other way. Don’t judge me – you don’t know my circumstances. I’m not someone who just goes out and buys things I can’t afford just for the heck of it and then expects someone else to pay. I’m a single gal who got a bad break and is in over her head!

Ripcity-zen asked:


someone close to me is filing bankruptcy and i want to do all i can to help her feel better about it. i want to say at least in the u.s. there is a forgiveness type law, in other countries debts can’t be discharged. is this true? what other positives can i say to her to comfort?

cooper asked:


My husband and I are filing for bankruptcy, we want to keep our home, but are about 4 payments behind. Will bankruptcy allow us to keep it and get caught up on the payments without foreclosure

Jeff M asked:


I haven’t any credit debts, it’s mainly fees on bad checks, and a payday loan, so can I file for bankruptcy, or will that cost me more money, that what it’s worth ?
my credit is already no good.

AnimalDoctor2009 asked:


I have somewhere in the neighborhood of 20 thousand dollars of dischargeable debt. I am college educated and usually able to logic my way out of a box. There are lots of online bankruptcy programs that would save me a considerable amount of money. But am I setting myself up for failure if I use an online program instead of an attorney?

aristobil asked:


I want to give up the house, as I indicated in my bankruptcy (which was just discharged) At issue for me, especially, property tax burden (should the bank then pay it?) and income tax (what response to give to the foreclosure to minimize or eliminate it?)

myjeangenie asked:


I think i may need to claim bankruptcy. What are the steps i need to take to do this in Delaware?

tammie asked:


You know you need to do something but when do you choose credit couseling and when do you chose bankruptcy?

Janet asked:


I was told by a lawyer that I am judgment proof. I am $12,000 in credit card debt. One of my cars is owned by my boyfriend who makes the payment but it is in my name. What will happen to his car if I file for bankruptcy?