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Tag Archives: bankruptcy

My Fiance is Going Bankrupt. Will We Ever Be Able to Buy a House? – Jennifer

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“Dear Steve, My fiance is considering filing for Chapter 7. He has okay/good credit, but more than $25,000 in credit card debt and his payments severely limit our finances. He does not have a car or house that creditors can seize for payment. I’ve read that bankruptcy will stay on your credit for 10 years, but other people have told ... Read More »

My Debt Snowball, Snowballed. – Janine

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Janine “Dear Steve, I have $90,000 in debt and make $63,000 a year. I did a debt snowball but that snowballed. I can’t seem to get out of debt. My parents were close to losing their home and I gave them most of my money. I have a few things I plan to sell but nowhere near enough to cover ... Read More »

The Five Myths About Bankruptcy. Watch the Video.

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Thanks to Twitter I discovered a new video out of a news story on the five myths about bankruptcy. The myths are: You should be dead broke until you file for bankruptcy. Bankruptcy ruins your credit score. You lose your home if you go bankrupt. You should max out your credit cards before going bankrupt. You should raid your 401(k) ... Read More »

I’m in Debt Because of Too Much Fish. – Michael

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Michael “Dear Steve, I’ve had a hellish trip through misery and desperation the past few years. In 2006, I experienced a health condition and illness from heavy metals and mercury through extreme consumption of fish and seafood since beginning to eat them more frequently in 1997. In Jan 2007, I had to leave my established sales career because of the ... Read More »

I’m Going Bankrupt. How Long Until Bank of America Sues Me? – Mary

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“Dear Steve, I have consulted an attorney regarding my overwhelming credit card debt ~ over 80K. I was told to stop using the credit cards for 3 mos before filing Bankruptcy. I have 3 credit cards with B of A, and also have my checking account with them. The attorney told me to move my bank acct, but I’m concerned ... Read More »

My Ex-Husband Was an Authorized User on My Credit Cards and Ran Them Up. I Went Bankrupt. – Lauren

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“Dear Steve, My husband and I are in a Ch. 13 Bankruptcy. I filed because my ex-husband was an authorized user on my credit cards I had when we were married. He ran it up and we got divorced. I moved with my job out of state and had an outrageous car note that he agreed to help me pay. ... Read More »

My Dad Cosigned for My Car Lease I Can No Longer Afford. What Should I Do? – Annilette

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Annilette “Dear Steve, My situation is that i lost my job couple of months ago. I had just moved and I have a car that I leased 2 years ago but havent made payments on it for 3months now. my dad is the co-signer and I didn’t mean to hurt his credit, but my dad understands that the economy is ... Read More »

I Live on a Fixed Income and Owe $52,000 in Medical Bills on Credit Cards – Patricia

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Patricia “Dear Steve, I owe unsecured dept in the amount of 52,000.00. These are mostly medical bills applied to credit cards. I live on a fixed income and would like to know if there is some government grant that is free. I would really like to get out from under this debt as I do not have enough money left ... Read More »

My Chapter 13 Bankruptcy Was Dismissed by Trustee But I Want to Keep My House. – Norma

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Norma “Dear Steve, Due to medical condition requiring several surgeries within last three years, I had to file for Ch 13 bankruptcy but it was dismissed by trustee for not being able to meet the amount of payments the court required. My debts are two mortgages, medical bills, personal loans to family members, a judgement and student loans. What can ... Read More »

My Father Co-Signed for My Car and I’m Going Bankrupt. – Deborah

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Deborah “Dear Steve, I’m single and deep in debt ($25,000), I just lost my job and at this point I’m living off my partime job I had before lay off and 6 weeks severance pay (UI benefits have not kicked it as of yet). I have about $6,000.00 in 401K. I have a mortgage and a car note (new 5 ... Read More »

I’m in the UK. Is There Any Way I Can Get Out of Debt Without Paying a Fortune for Help? – Dean

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Dean “Dear Steve, I have 2 credit cards and 2 loans totalling almost £52000, i am struggling to make my monthly repayments as the interest is crippling, one of my credit cards has recently been handed to a debt recovery agency which has helped a little as the interest on that has now been abolished. but i am still struggling ... Read More »

Majority of Bankruptcies Linked to Illness and Medical Bills

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Harvard study finds 50 percent increase from 2001 Most of those bankrupted by illness were middle class and had insurance Medical problems contributed to nearly two-thirds (62.1 percent) of all bankruptcies in 2007, according to a study in the August issue of the American Journal of Medicine that was published today online. The data were collected prior to the current ... Read More »

Will I Ever Be Able to Buy a House After My Bankruptcy and Foreclosure? – Michael

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Michael “Dear Steve, I got a chpt 7 a few years back when I was going through a divorce. Ran into some money problems and got a chpt 13 repayment plan but my house was foreclosed on. I am currently renting a home but would like to save money for a big down payment on a new home. I recently ... Read More »

It Seems Every Answer is Bankruptcy. What Other Options Do I Have. – Noname

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Noname “Dear Steve, It seems to me that every answer is bankruptcy. I really do not want to give up. We probably have sixty thousand dollars of debt. But I have been able to keep up the payments plus a bit more on every thing each month. Bankruptcy can not be the only answer. I have been reading these emails ... Read More »

I Attended Digipen Institute of Technology in Redmond, WA and Now I Can’t Pay the Bill. – Orion

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Orion “Dear Steve, I attended Digipen Institute of Technology in Redmond, WA, from 2001 through 2004. The school was not accredited at the time, so I had to take personal loans from Key Bank (the only bank in Digipen’s area who would loan to students attending Digiepn) to pay for living & college expenses. A few years after I graduated, ... Read More »

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