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

“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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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