How Long Will it Take to Get Good Credit After Bankruptcy? – Amy

“Dear Lewis, My husband and I filed bankruptcy chapter 7 in Dec. 2010 and it was discharged in march 2011. I have previously worked as a bank teller before we moved states( which caused our bankruptcy because we couldn’t sell our house). I have had 2 great interviews for bank teller but my credit report … Read more

My Husband Lost His Job at Age 62 and We Have a Lot of Debt. – Yolanda

“Dear Lewis, My husband lost his job 1 1/2 years ago. Age 62, we have alot of debt. Have been working real hard a keeping our home and car, but we have high credit card debt and unsecured debt. we have retirement income but is not enough to pay everything. What do we do. How … Read more

I’m Not Sure My Bankruptcy Attorney is Giving Me Good Advice. – Darlene

“Dear Lewis, I filed bankruptcy, chapter 13, and in June lost my job, with only four months to go in a thirty six month plan. I now am so behind and don’t know what to do, and my attorney, needless to say, I would never choose again, isn’t much help. I am worried! I want … Read more

Are My Student Loans on the IBR Plan Dischargeable in Bankruptcy? – Nick

“Dear Lewis, I’ve got about $80,000 in consolidated student debt on the IBR plan. Good job, making about $48,000 a year. But since I’m not a doctor, lawyer, or wall street guy, I’ll never reduce the principle, and 25 years is a long time. Would bankruptcy clear this? And if so, then why not just … Read more

How Much Will it Cost to Covert My Chapter 13 Bankruptcy to a Chapter 7? – Gilbert

“Dear Lewis, I filed chapter 13 and can not afford to pay what was asked. The chpater 13 is being dismissed. What do I need to do to file chapter 7, and what will be my cost? Gilbert” Dear Gilbert, Why did you file chapter 13 to begin with? Did you not qualify for chapter … Read more

My Credit Card Company is Threatening to Sue Me. What Action Will They Take? – Monica

“Dear Lewis, I got a green card 8 years ago after marry my american husband and loads of offers of credit cards droped in my mail box.I ‘ve got a lot of credit even without ask for. Back in my country I’d always been a great bank costumer with 5 stars check accounts. I used … Read more

How Can I Pay for Bankruptcy When I Don’t Have Any Money? – Jennifer

“Dear Lewis, I have been going through a rough patch ever since my separating from my husband two years ago. I have been trying to go to school, and since I havent made any money I havent been paying my debt. A wreck happened in November of 2010 that involved someone stealing my car and … Read more

My Short Term Disability Company Hasn’t Paid Me and I’m Struggling. – Michele

“Dear Lewis, I am currently on short term disability for the last 5 months. The insurance company hasn’t paid me for the last two. They keep giving me the run around. I had to rent out my town home and now I live with my mother. I have no income and no savings. I have … Read more

I Got Sick and We Lost the House in Foreclosure. Should We Consider Bankruptcy? – Katlyn

“Dear Lewis, Myself and my husband bought a house very young (I was 19 and he was 21), but I had to have emergency back surgery and was unable to work for 6 months so we fell behind on everything relying only on his income. We had to forclose on our house less then a … Read more

Am I Better Off Filing Bankruptcy and Starting Over or Trying to Pay My Debt? – Jamie

“Dear Lewis, I have approx $18,000 in credit card debt. I was making regular payments on those cards and then, with much regret, signed up with a debt settlement company. I signed with this company 9/30/10 and since then I have been sued by one creditor and the second creditor is still looking for payment. … Read more

Debt Relief Service Did Not Mention Bankruptcy to Me But Debt Settlement Lawyer Did. – Patti

“Dear Lewis, Have spoke with a local reliable debt relief service. They sent me papers on all my credit, debt/income ratio. Even though it’s grim, they did not say bankruptcy, but left it up to me. My credit score is 750, but my income does not outway the credit card debt, $24,000. Many medical bills … Read more

I’m Thinking of Filing Bankruptcy in Illinois. Can We Keep Our Rental Property? – Fla

“Dear Lewis, My husband and I bought our house in 2007. Refinanced in 2009, Now our house is not worth what I paid and we have a high mortgage payment. I inherited the rental property and bought out my other 3 siblings last year. I have a mortgage on my house that I can no … Read more

I’m in a Chapter 13 Bankruptcy But Can’t Make the Payments. – Daniel

“Dear Lewis, I filed bankruptcy (chapter 13) about 14 months ago and the payments were set very high (around 890 a month) and have had trouble ever since making payments. I have a mortgage that is about 7 or 8 years old and i had put my 4 acres of land up as collateral. I … Read more

Will My Chapter 7 be Reported for 10 Years From the Filing Date or Discharge Date? – Dan

“Dear Lewis, I understand that a Chapter 7 Bankruptcy remains on a credit report for 10 years. Is this 10 years from date of Filing? Or 10 years from the actual Discharge? Thank you in advance, Dan” Dear Daniel, Yes, it can stay on your credit for up to 10 years. I honestly don’t know … Read more