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

“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 … Read more

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

“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 … Read more

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

“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 … Read more

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

“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 … Read more

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

“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 … Read more

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

“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 … Read more

How Do I Pay For Bankruptcy? – Justin

“Dear Steve, Hi Steve, Ive been to my second lawyer yesterday to seek advice on doing bankruptcy. He was very informative and knew his stuff. He suggested a chapter 13 that would leave me with everything and possible payments of $100 a month or less for 3 yrs. I could get rid of my now … Read more

We’ve Talked to Two Bankruptcy Attorneys But What Do We Do Next? – Brittany

“Hi Steve, I have talked to two different bankruptcy lawyers about my situation. I would love your advice. My husband makes around 1200 biweekly and I am a server that is not doing so well in this economy. I have gone from making at least 100 a night to maybe 30-75 sometimes 0. My finances … Read more

I’m Already in a Bankruptcy and Can’t Afford My Payments. Will I Have to Give My Car Back? – Dawn

“Dear Steve, I filed a chapter 13 in 2007, while receiving Long term disability and child support. Since then my child support has stopped due to non payment. My payments have been decreased but I still can’t afford the payments, my income is only $1,133 a month. I have a 2005 Chevy equinox in good … Read more

We Can’t Afford Our Bankruptcy Payment Anymore But Want to Keep Our House. – Tymiee

“Dear Steve, My husband and I filed Chpt 13 bankruptcy a year and a half ago, to save our house, our cars, and an irs debt that we were dumb enough to have happen. We both had jobs, and even though the payment was really high we felt we had no other choice but to … Read more

Everything is a Mess With Navy Federal Credit Union. – Lesley

“Dear Steve, Everything is a mess. Another navy federal question. I owe over 18 thousand to NFCU and around 7 thousand to other credit cards, My husband owes around 20 thousand to credit cards 6 of that is to NFCU. My husband has ended up in a nursing home. He has only retirement income. We … Read more

I Went Bankrupt. Our Bankruptcy Story About What It Was Like to Go Bankrupt.

We lived through bankruptcy, we’ve felt the pain, the shame and the embarrassment. We know what it feels like to walk in your shoes to the court house and deal with the emotional aftermath. Sometimes bankruptcy is necessary and the best solution for your situation. You can’t let that knowledge hold you back from what … Read more