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Bankruptcy Related

My Bankruptcy Meeting Did Not Go Well. – Linda

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“Dear Steve, Deep in debt from poor choices, paycut and gambling because of depression, took your advice and filed bankrubt Today I had my 341 meeting, it did not go well. There were papers that didn’t get included, my attorneys fault. he never asked for them. The trustee was also upset when I could not tell him how I spent ... Read More »

    How Do I Pay My Bills When I Don’t Have Enough Money? – Aldo

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    “Dear Steve, I have a loan and a 6 credit cards. I used to borrow money from friends and relatives to pay off by credit card. the problem is I can pay my cards but after another month I will have to pay again the minimum payments for the cards and i will run out of cash. now I have ... Read More »

      Chapter 13 Trustee Wants to Raise Our Payment But We Can’t Afford It. – Lindsay

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      “Dear Steve, We filed Chapter 13 Bankruptcy April 2, 2009 and haven’t heard much from our lawyer other then him saying that the Trustee has requested more paystubs. We have given all that has been required of us. The Trustee wanted to up our payment from $450 a month to $870 a month. When we filed we were a household ... Read More »

        Business Consultant and Entrepreneur All Tapped Out. – Sandy

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        “Dear Steve, Business consultant and entrepreneur, full of great ideas, very short of contracting work for the past year, currently on state benefits, 50k in debts and growing (mostly credit cards), no assets (sold everything I could to survive), and hardly any income getting in, just bearly making ends meet every month, just about surviving. Is the solution bankruptcy or ... Read More »

          I’m Being Sued But I Want to Avoid Bankruptcy. – LG

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          “Hi Steve, I’ve seen your site and thank you for your work. I need an advice from you regarding my financial situation.I have a debt which would amount to approx.$48k in credit card and a car loan of $13k. There’s a pending a lawsuit for Jan.4 and another on Jan.20. I’m trying to stay away from bankruptcy if I could ... Read More »

            I Feel So Stupid For Being So in Debt. – Chivon

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            “Dear Steve, Here I am 21 years old and finding myself in a huge mess. I am roughly about 10,000 dollars in debt. At such an early age I feel like a moron. About five thousand of it is from bank accounts that i let go so deep in the negative its unreal and a credit card with a five ... Read More »

              Should I File Bankruptcy. We Are Hanging By a Thread. – Kellie

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              “Dear Steve, Husband and i both lost our jobs and we are hanging by a thread with child support and unemployment. My question is we have about 1300 a month in income and about 3000 a month in bills with credit cards mortgage lights food etc. that dies not include the 1000 of dollars in medical bills we have, my ... Read More »

                I Filed Bankruptcy and Now Need to Get My Student Loans and Credit Score Rehabilitated. – David

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                “Dear Steve, First off, I’d like to say thanks for your site. Your answers to other people’s questions has really helped me plan my own bankruptcy recovery (monitor my reports, use a secured credit card to help reestablish credit). However, there’s one thing that I haven’t seen come up, so I’d like to ask: student loans. I’m sure everyone who ... Read More »

                  I Filed Bankruptcy. How Do I Legally Rebuild My Credit? – Janet

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                  “Dear Steve, I finally filed for bankruptcy. I am anxiously waiting for my hearing. But I am now trying to look forward to the next phase in the process of getting back on my feet. I filed Chapter 7. I have a house that I am current on with very little equity, so I will be able to keep the ... Read More »

                    I’ve Been Living Off My Credit Cards While I Started My Own Business. – Phillip

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                    “Dear Steve, I have over 30K in credit card debt. I have been carrying this around for several years. I was living off the credit card while I started my own business. I don’t use credit cards anymore, if we don’t have the cash we don’t buy it. But obviously the monthly payments are high, and we are not paying ... Read More »

                      I Filed Bankruptcy. It Wasn’t as Bad as I Thought It Would Be. – Lynn

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                      “Hi Steve, After searcing out every option and reading everything in your articles I finally filed for bankruptcy. I signed the papers yesterday. I had a few appointments before I found a Lawyer I was comfortable with. I wrote you about one attorney who was so nasty I cried afterward. I took your advice and tried again. So here I ... Read More »

                        How Can I Get Past This Bad Debt And On With My Life? – Amanda

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                        “Dear Steve, I went through a divorce for about 1 1/2 yrs. and it was final in May 2009. We had our car repossessed in Jan 09, fell behind on credit card pmts (most all in my name) totalling approx $ 30,000.00 and now my home was foreclosed on by BOA, even though they admitted to giving me false information ... Read More »

                          Do I Wait Out the Statute of Limitations or Deal With This Now? – Justin

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                          “Dear Steve, Hey how are you I am 22 and live in Philadelphia area the law states here (i think) that 4 years is the limit for creditors to come after me. Two and 3 years ago I was having too good of credit for my age and was extended an 2000 unsecured bank of america card. The thing is ... Read More »

                            I’m Draining My SEP Retirement Funds to Keep Up My Credit Score. – Diana

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                            “Dear Steve, At over 50 with excellent credit score and lines; self-employed for 25 years until recent couple of years (digital age/economy caused inability to rebound thus far), and after a nasty divorce over 5 years ago (which started the debt cycle – he dragged me through court), and a relo back home to Michigan (in 2005), I find myself ... Read More »

                              After My Divorce My Finances Went Downhill. Should I Give My Car Back and Go Bankrupt? – Lynette

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                              “Dear Steve, I have a lot of old, old debt from my marriage that ended in divorce 4 years ago. Due to myself having the only full-time income at the time, all of the debt was in my name, so my ex-husband got out of having to deal with it. Anyway, I have been struggling, just to survive since the ... Read More »

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