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Bankruptcy Related

I Filed Bankruptcy. It Wasn’t as Bad as I Thought It Would Be. – Lynn

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“Hi Steve, After searcing out every option and reading everything in your articles I finally filed for bankruptcy. I signed the papers yesterday. I had a few appointments before I found a Lawyer I was comfortable with. I wrote you about one attorney who was so nasty I cried afterward. I took your advice and tried again. So here I ... Read More »

How Can I Get Past This Bad Debt And On With My Life? – Amanda

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“Dear Steve, I went through a divorce for about 1 1/2 yrs. and it was final in May 2009. We had our car repossessed in Jan 09, fell behind on credit card pmts (most all in my name) totalling approx $ 30,000.00 and now my home was foreclosed on by BOA, even though they admitted to giving me false information ... Read More »

Do I Wait Out the Statute of Limitations or Deal With This Now? – Justin

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“Dear Steve, Hey how are you I am 22 and live in Philadelphia area the law states here (i think) that 4 years is the limit for creditors to come after me. Two and 3 years ago I was having too good of credit for my age and was extended an 2000 unsecured bank of america card. The thing is ... Read More »

I’m Draining My SEP Retirement Funds to Keep Up My Credit Score. – Diana

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“Dear Steve, At over 50 with excellent credit score and lines; self-employed for 25 years until recent couple of years (digital age/economy caused inability to rebound thus far), and after a nasty divorce over 5 years ago (which started the debt cycle – he dragged me through court), and a relo back home to Michigan (in 2005), I find myself ... Read More »

After My Divorce My Finances Went Downhill. Should I Give My Car Back and Go Bankrupt? – Lynette

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“Dear Steve, I have a lot of old, old debt from my marriage that ended in divorce 4 years ago. Due to myself having the only full-time income at the time, all of the debt was in my name, so my ex-husband got out of having to deal with it. Anyway, I have been struggling, just to survive since the ... Read More »

Can American Express Sue Me While My Bankruptcy Attorney is Preparing My Case? – Jane

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“Dear Steve, My husband and I had a business that we ended up closing as we got into severe debt. We closed it in 2008 june. We had nearly 180,000 dollars in debt and we took it as a personal loan as well as credit cards. We were paying all our loans and credit cards on hardship programs till august ... Read More »

I Owe a Deficiency From My Repossessed Vehicle. – Denise

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“Dear Steve, I owe a deficiency of $15,000 for a repossessed vehicle that my credit union auctioned. And am thinking about just adding all my other debt (medical bills) to the bankruptcy. The collectors for my medical bills haven’t contacted me in a while, and I want to know how much I owe the collectors. I don’t even know who ... Read More »

Should I Wait to File Bankruptcy Until My Credit Score Reaches a Certain Point? – Jennifer

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“Dear Steve, I am considering filing for Chapter 7 bankruptcy. I have $20,000 in credit card debt from a business that I worked for, which went under without repaying any of the money they owed me. I don’t want to file for bankruptcy, but my monthly income is all taken up with basic necessities, and I have one of the ... Read More »

I’m a Lawyer and Drowning in Debt. – Paula

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“Dear Steve, I have approximately $50k in credit card debt. My interest rates and limits have recently skyrocketed and I cannot make the minimum payments. Although I am current on all bills (this will last for about 1-2 more months), as my savings have been depleted. Right before graduating from law school in 2008 I was laid off from a ... Read More »

I Live in American Soma. Can I Go Bankrupt? – Filipina

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“Dear Steve, I am married with 3 children, and reside here in American Samoa. I want to clear out my debt so that i can proceed on with other help. How would i clear out my debt so that I can gain good credit to apply for a big loan? Filipina” Don’t miss our free Get Out of Debt – ... Read More »

We Can’t Afford to File Bankruptcy. Our Business Fell Off a Cliff. – Lynn

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“Dear Steve, My husband and I both have our own businesses…5 and 6 years of growth..then…off of a cliff! We were keeping up with minimum payments…but now can just make basic mortgage and groceries, car no excess! We started filling out BK paperwork in Sept..haven’t paid credit cards…48 voice messages a day! The atty wants $1650 just to file..and the ... Read More »

We Just Got a Summons to Appear in Court From American Express. – Nathan

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“Dear Steve, Help. My Wife and I just received a summons to appear in court from American Express. We both had a decrease in income and admittantly ran our debt too high. Once we realized we were over our head, we began the process of working something out with all of our credit cards. American Express was the only one ... Read More »

How to Find a Good Bankruptcy Lawyer or Bankruptcy Attorney

Click here for free bankruptcy evaluation

So the time has come that you feel as if you need to explore bankruptcy. At least you want to talk to a bankruptcy lawyer about what bankruptcy would mean for you. People often can’t see that finding a bankruptcy attorney does not mean you are going to file bankruptcy, it means you are going to talk to a professional ... Read More »

The Bankruptcy Means Test and Limits are Not Fair. – Colette

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“Dear Steve, Family of 4, one income family with debt that we want to clear up Filed chapter 13 Nov. 17th. We are a 4 person household with one person working. We have no problem paying our debt back but the monthly amount is so high that we are trying to figure out how to pay our monthly bills and ... Read More »

I Don’t Want My Wife to Lose Her Car. I Think We Both Need to Go Bankrupt. – Andrew

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“Dear Steve, I have about $45,000 in credit card debt. I would like to negotiate with my creditors to take smaller payments, but one card is garnishing nearly $600 a month so I have nothing to offer the other creditors that are calling and calling. What should I do? Bankruptcy is an option and I did see a lawyer, but ... Read More »

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