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Bankruptcy Related

My Husband Sexually Assaulted Our Daughter While I Worked a Second Job to Afford Bankruptcy Payments. – Patty

“Dear Lewis, My husband and I filed bankruptcy in Feb 2010- because he lost his job after the bankruptcy was filed and he had a child support obligation they take the payment from me every 2 weeks. 286.00 dollars. At this point all the payments are made by garnishment of my wages. i cannot live off of 230.00 every 2 ... Read More »

    Should I Go With GuaranteedBankruptcy.com to Complete My Bankruptcy Papers? – Benny

    “Dear Lewis, Need to file Chapter 7. I have seen online adverts for Guaranteed Bankruptcy.com. They guarantee the process and they say money back if not satisfied. They sound really great–but we all have heard the old adage. This is the only thing I have found to give me a little hope, as I am completly broke. They also provide ... Read More »

      I Was Told Not to File Bankruptcy Due to Severance I Might Receive. – Diane

      “Dear Lewis, In May 2009, I was laid off. I had an appointment with a bankrupcty lawyer the day after I was escorted out (I had fairly high security clearance). She told me to hold off on the bankruptcy due to whatever severance I might receive. I held off and held off…and had a really rotten relationship in the meantime. ... Read More »

        Would It Be Better to Just File Bankruptcy? – Vivian

        Ready to Collapse

        “Dear Steve, Husband became disabled, we were in middle of major addition and remodel to our house. He had been doing all the labor. Already had credit card debt and started using the cards more to maintain lifestyle. Took out 401k loan and used charge cards to finish the house and get it ready to sell. Medical bills are increasing, ... Read More »

          I’m Moving Back With My Stepmother. Should I File Bankruptcy or Go With Credit Counseling? – Maya

          Ready to Collapse

          “Dear Steve, I currently bring home $2500.00 per month and I have been fully employed in outside sales for the last year. I have credit card debt of $45,000.00. I am trying to bring in more income and cut my rent costs by moving in with my stepmother if she agrees. Barring a new position or job, I’m afraid that ... Read More »

            I’m an E5 in the Army. Should I Go With Wites & Kapten Instead of Bankruptcy? – Vic

            Ready to Collapse

            “Dear Steve, Well i’m about 40k in debt. I’m and E5 in the army. I have a security clearance. I got a letter from wites and kapetan. Its sounds decent. Has anyone heard of them. should i go with them. I can not file bankrupcy because of my clearance. if i did that, my clearance would be gone. Vic” The ... Read More »

              Is ZMT Processing and DebtorAid.com a Scam?

              EasyBKServices

              “Dear Steve, I have a lot of credit card debt and no way to pay them. I also have no money for a lawyer. I have been unemployed for almost a year, and my payment is due on Friday. I have 300.00 to my name. I am trying to do a bankrupcy on my own. (chapter 7) I found a ... Read More »

                How Do I Begin to Look into Bankruptcy? – Steve

                Ready to Collapse

                “Dear Steve, I had a full time and part time job up to about a year ago. My full time job was in a hospital which ended up going into bankruptcy and closing. I remained at my part time job the entire time, ended up getting a couple of PER DIEM jobs to try to make ends meet. I managed ... Read More »

                  How Can I File Bankruptcy When I Can’t Afford It? – Cheryl

                  “Dear Lewis, Tapped out by a conman. More than 18,000 in credit card debts. No money left. Legal aide offices in my state have closed due to budget cuts. Need to file chapter 7. I have my session for credit counseling, and may be possible to get the court filing fees waived. Would like to find a low cost attorney ... Read More »

                    My Husband’s Business is Starting to Recover But We are So Overloaded in Debt. – Lisa

                    Ready to Collapse

                    “Dear Steve, In 2001 my husband, an engineer, left his company and started a business with 2 partners. The company was doing well and they were giving themselves about $7,000/month in take home pay each. In 2007 we moved to a slightly larger house, increasing our mortgage by about $1,000/month. Long story short – large customers stopped paying my husband’s ... Read More »

                      Do I Have to Include My Wife in My Bankruptcy? – Joe

                      “Dear Lewis, Hi, I am in NC and had “perfect credit” until I borrowed 180K on credit cards and put it in a business that has failed. Now I am unemployed (0 income) and have no other assets (live in an apt and have 12K in scattered in 7 different bank accounts along with some “cash cash”). I have three ... Read More »

                        I’ve Thought About Bankruptcy But it Scares Me. – Angela

                        “Dear Damon, My husband and I started our relationship in debt. He had a child and was fighting for custody. We purchased a house and got married and have never truly been out of debt since. We have had waves of good and bad times, as most people do. I have always beleived that things will work out, and now ... Read More »

                          Why Do I Have to Hire a Bankruptcy Attorney? Can I Just Use the Blank Forms Myself? – Ave

                          “Dear Lewis, $25K in debt, not behind in credit card payments $314K mortgage, not behind in payments Outstanding medical in collections $3,000 Filing for S.S.I. disability Currently unemployed due to disability Can’t afford credit card payments any longer Daughter rents home & pays half the mortgage Why do I have to hire a bankruptcy attorney, can’t I use those forms ... Read More »

                            What Rights Do I Have When My Debt Settlement Company Allegro Law Went Bankrupt? – Deborah

                            “Dear Lewis, I was paying thru Allegro Law for my debts and they filed bankruptcy in 2010. I filed a claim for my $ in November 2010. They said on their website about paying back it will determine if I paid the $ before or after they filed bankruptcy. I paid before they filed bankruptcy. Does that mean I should ... Read More »

                              It’s Been 25 Years and I Want the Old Student Loans Discharged. – Jennie

                              “Dear Lewis, Husband filed bankruptcy in 1985, released in early 1986 with two bank student loans of 2500.00 each. judge signed the final decree. my husband was 100% disabled at the time.now 25 years later ecmc is trying to collect 23,000.00 for those loans which they didn’t even possess until 2007.sued them the same judge who signed off then now ... Read More »

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