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Tag Archives: file bankruptcy

Can I File Bankruptcy for My Mother With Dementia? – Vincent

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“Dear Steve, Father passed away 10 years ago, mom getting very up in age (over 90) moved to florida after dad passed away to help mom out – live with her and we share expenses to make house run. I became my mom’s legal power of attorney and health care surrogate a few years ago because mom was developing dementia. ... Read More »

    I Live in Arizona and Would Like to File Bankruptcy Myself. – Jodi

    “Dear Lewis, I foreclosed on my Condo. Paid $255k, and it auctioned off for 87k. Sad. I then lost my job which paid 68k per year. I’ve used up all my savings, all my 401k monies, have 3 months left on unemployment before I will have NO income to speak of except Food Stamps @ $200 per month. I currently ... Read More »

      Can I Go Bankrupt Again in Reno? – Roman

      “Dear Lewis, I went bankrupt 6 1/2 yrs ago.. My wife has been ill and has had 4 major surgeries in the past 3yrs…I owe thousands of dollare in medical. Can I go bankrupt again. Please help. when can i go bankrupt again.I live in Reno,Nevada Roman” Dear Roman, I assume you filed a chapter 7 last time. So you ... Read More »

        I Heard You Cam File Bankruptcy For Free. How Do We Do That? – Ruby

        “Dear Lewis, Both my mother and I have some outstanding bill’s. She is only working 4 days a week and food stamp’s. I am on unemployment and food stamp’s as well. My mother’s 2 main bill’s are an outstanding car payment and a loan payment. My outstanding bill is a loan payment. What our question is , is do we ... Read More »

          I’m Not Behind on My Credit Cards. Can I File Bankruptcy Now? – Laura

          “Dear Lewis, I have about $19000 in credit card debt (from about a decade of use in college etc.) About $6000 of that is from a transfer balance to consolidate my credit card debt. Now the year of no interest is up and the bill has skyrocketed to an amount I cannot pay. I also have student loans and a ... Read More »

            Is ZMT Processing and a Scam?


            “Dear Steve, I have a lot of credit card debt and no way to pay them. I also have no money for a lawyer. I have been unemployed for almost a year, and my payment is due on Friday. I have 300.00 to my name. I am trying to do a bankrupcy on my own. (chapter 7) I found a ... Read More »

              If Bankruptcy is a Smart Move for Borders. Why Do People Needlessly Add Stigma to Personal Bankruptcy?

              photo © 2008 Ruthanne Reid | more info (via: Wylio)So the big bookstore Borders filed for bankruptcy today. It always surprises me that consumers place such stigma on personally filing for bankruptcy but when companies do it they are applauded for doing the right thing to keep the company going. Border president Mike Edwards said, “It has become increasingly clear ... Read More »

                I’ve Been Thinking About Bankruptcy. – Bob

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                “Dear Steve, My wife and I have accrued about 90,000 in credit card debt over the past 4-5 years and the more we pay the more we seem to owe. I need help to determine my best route to get out of this debt, I have been thinking about bankruptcy Bob” The Answer Dear Bob, I think this guide, “The ... Read More »

                  I Went Bankrupt Five Years Ago. I Don’t Think I Can Do That Again. – CurlyGirl

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                  CurlyGirl “Dear Steve, I’m current on all my credit card debts, but the $700 a month in minimum payments (on about $10K total in debt) is killing me. I was laid off from a good job 2 years ago and have been freelancing ever since, so my income is irregular, but still enough to live. I’m doing without the bare ... 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 »

                      Is It Bad to Go Bankrupt? What Does it Feel Like to File Bankruptcy?

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                      Life is ironic some times. Here I was someone growing up that thought that people that found themselves bankrupt were messed up in some way. Yet in 1990 I found myself in bankruptcy. I learned that living through bankruptcy is a whole lot different and that for all those people before that, whom I might have turned my nose up ... 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 »

                          Can I File Bankruptcy Without My Husband Knowing? – Janine

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                          Janie “Hi Steve, I think I know the answer to my questions, but want to see what you have to say about it. Can I file Bankruptcy without my husband knowing? Thank you, Janine” The Answer   Dear Janie, Technically there is no reason why you have to tell him if you are going bankrupt in your name alone. You ... 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 »

                              Is Bankruptcy Right For Me?


                              Bankruptcy Basics Most people think of bankruptcy as a process in which you go to court and get your debts erased. It’s not that simple. In fact, there are two types of bankruptcy: the familiar liquidation bankruptcy, where your debts are wiped out (Chapter 7 bankruptcy) and “reorganization” bankruptcy, where you partially or fully repay your debts. The reorganization bankruptcy ... Read More »

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