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Bankruptcy Related

Can American Express Sue Me While My Bankruptcy Attorney is Preparing My Case? – Jane

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“Dear Steve, My husband and I had a business that we ended up closing as we got into severe debt. We closed it in 2008 june. We had nearly 180,000 dollars in debt and we took it as a personal loan as well as credit cards. We were paying all our loans and credit cards on hardship programs till august ... Read More »

    I Owe a Deficiency From My Repossessed Vehicle. – Denise

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    “Dear Steve, I owe a deficiency of $15,000 for a repossessed vehicle that my credit union auctioned. And am thinking about just adding all my other debt (medical bills) to the bankruptcy. The collectors for my medical bills haven’t contacted me in a while, and I want to know how much I owe the collectors. I don’t even know who ... Read More »

      Should I Wait to File Bankruptcy Until My Credit Score Reaches a Certain Point? – Jennifer

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      “Dear Steve, I am considering filing for Chapter 7 bankruptcy. I have $20,000 in credit card debt from a business that I worked for, which went under without repaying any of the money they owed me. I don’t want to file for bankruptcy, but my monthly income is all taken up with basic necessities, and I have one of the ... Read More »

        I’m a Lawyer and Drowning in Debt. – Paula

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        “Dear Steve, I have approximately $50k in credit card debt. My interest rates and limits have recently skyrocketed and I cannot make the minimum payments. Although I am current on all bills (this will last for about 1-2 more months), as my savings have been depleted. Right before graduating from law school in 2008 I was laid off from a ... Read More »

          I Live in American Soma. Can I Go Bankrupt? – Filipina

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          “Dear Steve, I am married with 3 children, and reside here in American Samoa. I want to clear out my debt so that i can proceed on with other help. How would i clear out my debt so that I can gain good credit to apply for a big loan? Filipina”   Dear Filipina, In researching your question I actually ... Read More »

            We Can’t Afford to File Bankruptcy. Our Business Fell Off a Cliff. – Lynn

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            “Dear Steve, My husband and I both have our own businesses…5 and 6 years of growth..then…off of a cliff! We were keeping up with minimum payments…but now can just make basic mortgage and groceries, car no excess! We started filling out BK paperwork in Sept..haven’t paid credit cards…48 voice messages a day! The atty wants $1650 just to file..and the ... Read More »

              We Just Got a Summons to Appear in Court From American Express. – Nathan

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              “Dear Steve, Help. My Wife and I just received a summons to appear in court from American Express. We both had a decrease in income and admittantly ran our debt too high. Once we realized we were over our head, we began the process of working something out with all of our credit cards. American Express was the only one ... Read More »

                How to Find a Good Bankruptcy Lawyer or Bankruptcy Attorney

                Click here for free bankruptcy evaluation

                So the time has come that you feel as if you need to explore bankruptcy. At least you want to talk to a bankruptcy lawyer about what bankruptcy would mean for you. People often can’t see that finding a bankruptcy attorney does not mean you are going to file bankruptcy, it means you are going to talk to a professional ... Read More »

                  The Bankruptcy Means Test and Limits are Not Fair. – Colette

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                  “Dear Steve, Family of 4, one income family with debt that we want to clear up Filed chapter 13 Nov. 17th. We are a 4 person household with one person working. We have no problem paying our debt back but the monthly amount is so high that we are trying to figure out how to pay our monthly bills and ... Read More »

                    I Don’t Want My Wife to Lose Her Car. I Think We Both Need to Go Bankrupt. – Andrew

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                    “Dear Steve, I have about $45,000 in credit card debt. I would like to negotiate with my creditors to take smaller payments, but one card is garnishing nearly $600 a month so I have nothing to offer the other creditors that are calling and calling. What should I do? Bankruptcy is an option and I did see a lawyer, but ... Read More »

                      Bankruptcy Is Not the Honest Christian Way to Solve Problem? – Kristen

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                      “Dear Steve, We have aprx. $80,000 in unsecured debt. We are a family of seven. My husband, myself and our 5 children. We are drowning. I was making the min. payment on the credit cards until they started charging obscene interest rates. I have recently fallen behind – or – well refused to pay them their min. payment. I was ... Read More »

                        My Bankruptcy Case Has Been Filed and I’m Scared. – Traci

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                        “Dear Steve, My bankruptcy case has been filed and I will be going to the meeting the the trustees in a couple of weeks. I did alot of cash advances and alot of withdraws out of my account. I am afraid they will think I am being fraudulent and not discharge anything. I am very scared! What is going to ... Read More »

                          Is It Better to Go Bankrupt or Settle My Debt With 401(k) Money? – Lynn

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                          “Dear Steve, Hi Steve, first let me tell you what agreat comfort you are to many people. Honest advice is hard to find. I have written you before and value your opinion. If there is a way to settle debt with the creditor for a decent amount, is it not better to do that than go bankrubt? I will have ... Read More »

                            I’m Disabled and Falling Into Debt But the Bankruptcy Lawyer Said Bankruptcy is Not for Me. – Dorothy

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                            “Hi Steve, I am in a situation that I need good sound advice about. I am 39 years old and permanently disabled, having become so in 2002. I receive Social Security benefits monthly. I have a caregiver who permanently lives with and cares for me. His only income is from the state for providing my care. We both have unsecured ... Read More »

                              How Do I File Bankruptcy When My Spouse Refuses to Cooperate. – Cole

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                              “Dear Steve, I have a lot of debt built up from trying to save my house and lack of income when the real estate went sour ( I was a real estate agent). Needless to say, I spent more trying to keep my business going than my husband approved of and as a result put us in a world of ... Read More »

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