Bankruptcy Tips And Helpful Alternatives

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Got a Question? Ask.

Can i loose my property if my ex files for ...
By: daddyvazquez | 04-10-2008
can i loose my property if my ex files for bankrupcy after divorce?

Bankruptcy or Default Judgements?
By: Steph | 03-10-2008
I have two creditors suing me at the same time in superior court - both civil limited cases. Total for both is $6500, plus attornies fees and interest. I'm on public assistance, in school fulltime in pre-nursing, two teenagers, a disabled unemployed husband and have no money or asssets what-so-ever. I passed the means test for filing chapter 7 bankruptcy.  I consulted an attorney about declaring bankruptcy. He told me to allow both cases against me to go to judgements so I can be done with it for now and to declare bankruptcy later on before I get a job (probably 3 years from now). It seems like I should declare bankruptcy now long before I have any chance of making an income as a nurse. Some days I have serious doubts about even getting into a nursing school here in California because they are all impacted with applications. What if anything should I do? In the meantime, the court proceedings are still continuing. My original answer to the plaintiff's complaints was an over all denial that I owed anything. I was told I could file an amended answer later. I wasn't told it had to be done within 10 days of the original answer being filed. I want to tell the judge yes I owe them the money and to enter a judgement for the amount owed. The collection attornies will continue to harass me for the judgement. Bankruptcy would stop all of that. A side note: I was paying on both the credit cards the debts originated with every month until we moved for my husbands job and that job fell through. His disablility is progressing and he's been denied disability now twice. I told both of the different attornies for each case that I intend to let them both go to judgment. They both tried to settle. I told them if I had that kind of money I certainly wouldn't have let it go this far and end up in court. I've not been able to answer one of the sets of interogatories already and the lawyers sending those is planning on filing a motion to set aside the case management conference and go straight to trial in 90 days. In short this is what I'm asking: 1. Can I still file an amended answer to the California Superior Court so the judge will know I admit to the amounts owed? 2. Should I let the cases both go to judgements? 3. Or should I put a stop to all of it and get the bankruptcy now while I'm still so obviously broke? 4. Even though the only money I deposit in my bank account is from Tempory Aid for Needy Families and financial aid for school,  can they still try to garnish my bank account? How do I prevent that? All of this is making it near to almost impossible to concentrate on my studies. From the looks of other collection cases in civil court, some go on for years. Thanks for any help out there. Steph

IQ have some medical bills reporting on my file, I ...
By: Lori | 03-10-2008
IQ have some medical bills reporting on my file, I know after seven years they get removed, but is that drom day of first reporting to bureau or date bill was established or incured?

I am filing Bankruptcy this month. I married in 07 ...
By: shopgirl | 02-10-2008
I am filing Bankruptcy this month. I married in 07 and do not want my new husband listed or involved in any way. (He had a stroke in Jan 08) I have  filed my taxes seperatly. But in 07 I had to list him on my income tax form.  Will he be dragged into this mess?  How can I avoid it?

What happens if the Chapter 7 is denied? Can a ...
By: bandida | 29-09-2008
What happens if the Chapter 7 is denied? Can a chapter 13 be filled immediately after?

The bankruptcy law changed in 2007 to 10 years ...
By: lynn | 26-09-2008
The bankruptcy law changed in 2007 to 10 years that it stays on your credit, but if bankruptcy was discharged in 2003 is it still only on your credit for 7 years?

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Understanding Debt Consolidation Loans
By: Richard Greenwood | 07/10/2008
It can be all too easy to end up in debt and especially during the current times of financial uncertainty you may find yourself unable to make repayments. Consolidating your debt can make your debts easier to manage and lower your interest charges meaning you become debt free faster.

Credit Card Comparison
By: Richard Greenwood | 07/10/2008
Credit card offers are everywhere and all claim to out do each other. How do you cut through the marketing talk and understand the key features you need to compare to make an informed decision. Find out with this informative article on credit card comparison.

Shopping For Auto Insurance
By: Brenda Williams | 07/10/2008
When you get your license for the first time before you begin driving you need to get car insurance as it's mandatory to have car insurance while driving. Car insurance can be rather expensive, especially for new drivers which is why you'll need to ensure that you're getting the best...

Taking 100% Responsibility - the Prerequisite for Creating Money & Marriage Success
By: Leslie Cunningham | 07/10/2008
It's a simple concept, to refrain from blaming and complaining, and yet it's a challenge to change a habit, especially one that everyone else has. Like sticking to your diet, when everyone else around you is enjoying chocolate cake. Keep reading and you'll find out how this relates to your marriage and finances. Then I'll share some action steps to help you become 100% responsible for your life.

Retirement Income Investing and Your Portfolio
By: Steve Selengut | 07/10/2008
Brokerage firm monthly statements are designed to promote either fear or greed, depending on the current market environment. Nowhere on your statement can you find numbers that report your net investment, your total working capital, or your true asset allocation. Current and projected income numbers are given little attention

Buy to Let Investors Get a Boost
By: Parmdeep Vadesha | 06/10/2008
Buy to let UK investors are in a prime position to take advantage of a new government plan to spur property market activity. The scheme aims to permit property buyers to buy properties worth up to

How to Buy a Repossessed Property for Below Market Value
By: Parmdeep Vadesha | 06/10/2008
Buying a repossessed property is what matters for investors who are keen on reaping high profits. But even with the advantages it poses, there are certain aspects you need to be aware of before you start on the task of acquiring your next property cheaply.

Brits Should Ensure They Have the Cheapest Energy Supplier
By: Abbi Rouse | 06/10/2008
With energy prices escalating steadily, consumers could knock considerable amounts off their utility bills by switching from their areas default supplier.

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