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Bankruptcy Related

How Do I Find a Good Bankruptcy Attorney? – MariJa

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“Dear Steve, I have written before and am considering bankruptcy. How do I know if I’ve found a good bankruptcy attorney? Is there a website where I can find reviews of attorneys? It seems that most people who submit reviews have a negative experience. I understand that there are people who have had positive experiences, but most of the time, ... Read More »

    Eithically I Prefer Paying Our Debts Than Going to a Bankruptcy Lawyer. – Michael

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    “Dear Steve, My wife and I bought a house a few years ago and proceeded to build up credit card debt, in part due to an expected salary increase for me, which didn’t happen because the company “couldn’t afford it”. We have decreased spending, but my income has not increased in 3 years other than the part-time job I started ... Read More »

      I Work for the U.S. Postal Service and Always Made Good Money But Now I Can’t Afford My Bills. – Eric

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      “Dear Steve, I have gotton myself into a mess. I work for the U.S. Postal Service and have always made “good” money. However, my hours were recently cut in half and I now can’t pay for all the debt I accured. I don’t have enough equity in my home to qualify for a refinance or equity loan to pay off ... Read More »

        Who Can I Trust to Help Me Out of Debt? – PSD

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        “Dear Steve, I currently have a lot of cc debt. I am making the money to pay it if i could consolidate it & lessen the interest rates. But, I dont know who I can trust to help me. Who can i trust? PSD” Dear PSD, That’s an excellent question. I know who I trust for credit counseling and debt ... Read More »

          I Listened to You and Discharged My Debt. – Lynn

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          “Dear Steve, I have written to you many times and you have given me great advice. I went Bankrupt and the whole process itself was not that bad, just how I felt about it was tough. I thought I had a good lawyer, but he turned out to be very rude. He never answers any calls from me and sent ... Read More »

            I am a Debt Collector and Now I’m in Big Trouble With Debt Myself. – Brent

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            “Dear Steve, I 42 years old, my wife and I have been married 11 years and have two boys ages 9 an 5. I have had a good career in the collections business over the years, so finding myself in this situation is extremely difficult. Not only are we in debt, but it seems the bottom has fallen out and ... Read More »

              I’m a Lawyer in Debt And Would Like Your Feedback. – Don

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              “Dear Steve, At my wits end: have about $30K in unsecured debt some of which are currently in suit. Have approx. $150K in Student Loans (Law School — I know). Own a vehicle approx. value of $12K which was purchased from proceeds of life insurance policy from wifes – fathers passing. Still paying on another vehicle and possibly upside down ... Read More »

                75% of Consumer Bankruptcy Cases are Chapter 7 in March, 2010.

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                New data just out shows the number of consumer bankruptcies is rapidly increasing and more consumers are able to seek protection under Chapter 7 bankruptcy to discharge all of their debt. Aacer is reporting that there were 158,141 filings in March, higher than any other month since the bankruptcy reform changes of 2005. In fact the number of filings is ... Read More »

                  Am I Eligible to File Chapter 7 Bankruptcy Again? – Jan

                  “Dear Steve, We are a Texas family of 4 with approximately $40,000 plus in credit card debt. We had a chapter 7 bankruptcy discharged in Dec. 2002. We have steady jobs making around $68000 per year combined. We have a $600 mortage with 20 years left to pay. Two high school children with college in the near future. We owe ... Read More »

                    Do I Qualify for Bankruptcy? – Oscar

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                    “Dear Steve, I’m 28years old. 11,000.00 in debt. I’m constantly being harassed by crediters and am being sued by one of them and I don’t make enough to pay them all.I have tried debt consolidation but i got fired and was unemployed for 3 months now I’m trying to play catch up with all my bills but can’t seem to ... Read More »

                      We Have Not Been Getting a Lot of Sleep Recently While We Worry About Our Debt. – KL

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                      “Dear Steve, Steve, my husband and I are not getting a lot of sleep lately and we very much related to your story. Thank you. Our situation is my husband is in the real estate business and his income has drastically been reduced. We bought and sold a lot of real estate investment properties and did well when things were ... Read More »

                        I Was Able to Negotiate a Debt Settlement With Discover I Can’t Afford. – Frances

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                        “Dear Steve, I have credit card debt with Discover. I tried to negotiate with them. Debt is $5k due to interest rate and late payment. I would like to settle, but I cannot afford to pay a lump sum of $3600. This is a huge learning lesson. I was told I cannot file for bankruptcy. I asked the cc company ... Read More »

                          Do I Need Good Credit to Get a Top Secret Clearance? Can I Get a Security Clearance if I Go Bankrupt? – Alex

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                          “Dear Steve, Hello Steve. I appreciate the advice that you provide us with (=: I’m 27 years old, naturalized citizen (born in Russia). Currently in the Army National Guard (Intelligence). My chain of command hasn’t filed clearance paperwork yet because they’re waiting for me to resolve my $25000 unsecured credit card debt (including 1 personal loan). I’ve accumulated this debt ... Read More »

                            We Are So Stressed. How Do We Get Out From Under This Mountain of Debt? – Mary

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                            “Dear Steve, My husband and I are in deep financial crisis right now. We renewed our flat recently but we still have an outstanding balance of $2500. Then I haven’t paid my credit cards for the past couple of months which now amounted to around $15000. I still have another outstanding loan where the collection company wanted me to pay ... Read More »

                              Can I File Chapter 13 Bankruptcy Again? – Maria

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                              “Dear Steve, I filed chapter 13 two years ago but stopped making my payments. My case was dismissed after I failed to make the payments to the trustee. I want to file again but my debts were given to a collection agency. Can I still file chapter 13 Maria” Dear Maria, Yes, you should have no problems filing as long ... Read More »

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