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Bankruptcy Related

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 »

          I Had Cancer, Lost My Job and Filed Bankruptcy. I’m Sinking Again. – Deborah

          adding up

          “Dear Steve, Around 2000 I tried a debt consolidation company years ago and they took my money. So I had to file bankruptcy. Well I got Cancer. Then I lost my job in 2009 and did not find another for over 2 years. I have had to use a lot of credit cards for medical and to live on. I ... Read More »

            I Really Don’t Want to File for Bankruptcy. – Marsha

            SONY DSC

            “Dear Steve, I was out of work for three years, and during that time I defaulted on all my bill payments. I want to be debt free, but I dont know where to start, because I just can’t afford to pay all that money, even if they all set me up on a payment plan. How can I approach this ... Read More »

              My Husband Caught MRSA and Now We Are Filing Bankruptcy. – Page

              Cure the disease

              “Dear Steve, My husband is 66 and I am 57. My husband lost his job soon after we bought our house in 2009. He is now on social security and was working part time until he became ill and has been in and out of the hospital ( 4 times) since October 2012. He is much better but contracted MRSA ... Read More »

                We Are Old, Ill, and the Worry and Stress Over Our Debt Are Killing Us. – Glenna

                brand new ending

                “Dear Steve, We are seniors in our mid seventy’s very bad health. We have credit card debt because we have had to put medical bills and medicine,plus living expenses. We owe 14,000.00 and having a hard time making minium payments. HELP, our only income is our social security. We don’t know how to handle this. Our health is getting worse. ... Read More »

                  I’m a Real Estate Agent and Facing Bankruptcy – Kelly

                  Disaster comes when we least expect it. There is no good time for a financial tornado.

                  “Dear Steve, My husband and I have been down the bankruptcy road and it was discharged. I am embarrassed to say that only eleven years after the discharge, we are now possibly having to consider filing again. We have one child and my husband makes $75,000 a year. I work as a Realtor but pay has been slow and I ... Read More »

                    My Debt to Income is Very High and Nobody Will Give Me a Loan – Lisa

                    life begins at end of your comfort zone

                    “Dear Steve, I am living on social security and savings, which are quickly becoming very scant. As my roof leaked over my head as I was sleeping, realized I needed to do something about this and thus began my quagmire (good word!) of a problem. Paid $8000. from five 0% promotional credit cards, carefully figuring out how much each card ... Read More »

                      The Bankruptcy Trustee and Attorney Screwed Up My Bankruptcy. – Teresa

                      keep going

                      “Dear Steve, Our bankruptcy has came to an end but in going over the details, I found MANY unethical things. 1 – it seems my attorney and the trustee were in each others pockets. 2 – the credit union put a $65 a month insurance on the vehicle that was through them but I have always carried full coverage insurance ... Read More »

                        My Credit Was Hit by an Uninsured Motorist and Left With a Traumatic Injury

                        paramedic-square

                        “Dear Steve, Dear Steve, I was in an automobile accident in 11/’05, hit by another driver who had stolen a car, therfore I was unable to sue anyone for the accident. I had no health insurance and my uninsured motorist policy was $100k, which of course the hospital negotiated a payment towards my $300,000 bill. I was in an automobile ... Read More »

                          Was Going to File Bankruptcy But My Father Died Leaving Me Some Money. – Brenda

                          Decision time

                          “Dear Steve, I have 4 credit cards totaling $29,000. Need more reasonable payments and lower interest rate. I recently had to take a pay cut and had surgery with 6 wks unpaid and I am now between 60 and 90 days late. I had a lawyer and was going to apply for bankruptcy but now my father has passed and ... Read More »

                            We Have to File Bankruptcy Again. Will We Have a Problem With That?

                            Bankruptcy Road Sign

                            “Dear Steve, We filed chapter 7 bankruptcy 11 years ago and unfortuanatley or in the place where we need to file again. Do you know if the courts treat someone differently when they know you have discharged a Chptr. 7 bankruptcy previously? Laura” The Answer Dear Laura, It will not be a factor or concern. Don’t worry. There is no ... Read More »

                              Recently Divorced and Struggling With Debt. What Should I Do? – Kelli

                              Mature woman confused

                              “Dear Steve, Recently divorced and left with about $40,000 in credit card debt due to helping my ex-husband start his now lucrative company. I’m not bitter! I am drowning here now, however. It’s about ten credit cards with APRs spanning from 14% all the way up to 29.9%. I can only barely afford the minimum payments and realize that every ... Read More »

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