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Bankruptcy Related

I’m Disabled, Filed Bankruptcy, But Still Owe on Student Loans

gears

“Dear Steve, I was hit by a drunk driver, suffering several acute compression fractures in my neck and back, ribs, discs, etc…and was wheel chair bound. Fortunately, I recovered well, and am more functional than any of treating physicians expected. I was attending the University of Davis, California at the time ( 1991 ) when accident happened. When I was ... Read More »

My Child Support Counts as Income Says the Bankruptcy Trustee

Divorce

“Dear Steve, I was divorced 6 years ago and did not received child support for 4 and 1/2 years and gave my ex $25,000 as part of the equity in my home. I accumulated credit card debt trying to maintain the lifestyle of my kids and take care of them. I filed chapter 13 14 months ago and my case ... Read More »

I’m Going to File Bankruptcy. Do I Just List My Student Loans? – Jayna

Travelers Reflection

“Dear Steve, I am claiming bankruptcy and have been unable to secure steady employment since graduation. How would I file my papers to request the discharge of my student loans. Some are private through Well Fargo with a co-signer and some are student loans starting in 2002. The total amount is around $60,000 Jayna” Don’t miss our free Get Out ... Read More »

I Filed Bankruptcy and Listed My Student Loan Debt. – Kevin

Winter Latice and Pergola

“Dear Steve, I had my bankruptcy discharged in April, 2013. I just read your article on discharging student loans, and did not see the school on the list that I attended, I have a loan from sallie mae that is currently with a collection agency. Is there a amendment or special request I can file to see if I can ... Read More »

I Died Last Year. Should I Go Bankrupt? – Gary

Wrecked and Abandoned

“Dear Steve, I am broke had a heart attack last year and died for 4 to 6 minutes. I borrowed 55,000 from the bank for a business which is not about anymore. My wife did not sign on the loan at the bank either. She has a business now and helps me live by giving me a 50.00 per week ... Read More »

Can I Get Rid of My Culinary School Loans in Bankruptcy? – Daniel

chef

“Dear Steve, I went to a for-profit culinary school in 2003. They did not receive accreditation until 2004. I have been struggling with private loan debt (montly payments upwards of 1,100 per month originally) since. I had them consolidated in 2007 at a 4.5% rate. Given that my school did not receive accreditation until after I completed courses, would I ... Read More »

Is It True My Brother With Mental Illness Can Eliminate His Student Loans? – Josh

Desperate

“Dear Steve, My younger brother has been diagnosed as a paranoid schizophrenic. He has fought bouts of depression, hallucinations, and paranoia for the last 5-6 years. He has been on numerous different powerful drugs to help him. He, thank god, has finally found one that helps him with some of his symptoms but no way near is he the same ... Read More »

I’m in the Marines and Contemplating Suicide. Can I File Bankruptcy? – Larry

Military Flag

“Dear Steve, Steve, I am a Master Sergeant in the Marine Corps and have made some mistakes w/ debt. I got 2 credit cards and 1 personal loan ($40K total) that my wife didn’t know about so I could gamble. Needless to say I lost a lot of money and when it was all said and done I was contemplating ... Read More »

My Car Was Repossessed, My Wages are Garnished and I’m Not Sure if Bankruptcy is Right for Me. – Nancy

body outline

“Dear Steve, I have gotten myself into some serious financial problems. While I know that mine is not as bad as some I am behind on every bill and my car was repossessed last night. I am a single mother to 3 girls and I yes I do have a full time job. My husband passed away in 2003 so ... Read More »

Will Our Second Mortgage Vanish After Our Chapter 13 Bankruptcy? – Lisa

Mature woman confused

“Dear Steve, My husband and I filed a CH13 in efforts to save our home. 2nd mortgage was stripped and court. 4 months into bankruptcy, trustee felt we could pay 100% of debt which we would be paying a lot more than what we were originally paying overall. We pulled out of BK and got a modification for our home. ... Read More »

Our Chapter 13 Bankruptcy Has Been a Nightmare. – Holly

path

“Dear Steve, My husband and I are in the middle of a Chapter 13 bankruptcy that has been a disaster from the very beginning. We were told we could only file 13 because of an appraisal on our house, a piece of property we were left from an inheritance along with several other family members (that we don’t want but ... Read More »

Can I File Bankruptcy Without My Husband? – Penni

questions narrow

“Dear Damon, Bankrupt in 1997; back in the hole with massive credit card debt! We want to sell our home and buy a smaller one now that it’s only us two. He makes decent money, but we barely make ends meet and are starting to fall behind again. I’m wondering if I can file bankruptcy separately from my husband, or ... Read More »

You Literally Saved My Life and Financial Future. Thank You. – Steve

bankruptcy congratulations

“Dear Steve, I just wanted to say thank you as I owe you a debt of gratitude! My partner lost his job due to a health issue and has been unemployed for five years–I tried (in vain) to sustain my debts. I tried every resource to stay afloat. I quickly learned that there are resource to provide loans, payday loans, ... Read More »

I’m So Afraid of Bankruptcy. – Matt

storms

“Dear Steve, I have a lot of credit card debt and a home in foreclosure. My credit score is really hurting and so the attorney for the foreclosure advised us to declare bankruptcy. We have two cars and dont know how to handle the cars with regard to bankruptcy. My wife makes no income and I don’t know how she ... Read More »

I Don’t Want to Ruin My Credit for 10 Years and File Bankruptcy. – Mary

Decision time

“Dear Steve, 40K in cc debt…been in collections for at least a year with a recent summons from Discover. Have been unemployed off and on, trying to find full time work for approx. 6 yrs and just landed a ft job at $14/hour. Working per diem jobs as well. Really don’t want to do BK..I like my bank and the ... Read More »

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