My total debt is 30K to multiple creditors, 3 personal loans. I can not afford to pay my monthly payments to ALL of them for NOW. I am WILLING to pay but I can not promise when. Do I need to file for bankruptcy? Please advise. Thank you.
answered on Jun 26, 2019
Maybe. What is your annual income? Are you married? Do you own a house or rent? We would want to know the answers to these questions and some others to better tell you if bankruptcy is the right choice. There is a chapter 7 bankruptcy option available for some qualified individuals who can... View More 
Since it is a joint debt, can we exclude it from the BK and continue making payments on it?
We want to keep her strong credit completely clean.
Is there any reason to close the joint account?
answered on Jun 26, 2019
Maybe if it was a credit union. Many credit unions have voluntary security interests written in their credit card agreements that attach the credit account to one of their deposit accounts such as a checking or savings account. This tends to be more of a credit union thing and not so much with bank... View More
I just became a cancer survivor still following up at the cancer center. I was on FMLA july 10 2018 thru Jan 2019.. return to work on Feb 2019 and just started a second job this month of May 2019. I'm struggling financially. I have my car and is behind on payments car insurance.... View More
answered on May 19, 2019
Hello,
Generally, you would want to gather your most recently filed tax return, 6 months of paystubs if applicable, and complete a credit counseling course that usually takes about 1 hour. If you would like to discuss more and how the process works I suggest scheduling a consultation with a... View More
answered on Jan 10, 2019
If you are interested in scheduling a bankruptcy consultation please contact one of us and we can get you in for a free consultation.
I filed for Chapter 13 on 1/2012 that was converted to a Chapter 7. I received a discharge 5/2013.
answered on Dec 26, 2018
8 years from the file date of the chapter 13 bankruptcy case since that one was converted to a chapter 7 bankruptcy case and so its not really a new case but a converted case. I hope that was helpful.
answered on Dec 10, 2018
Contact a local bankruptcy attorney that is licensed to practice law in your state.
answered on Dec 10, 2018
Generally, it depends on your household size. However, the Means Test has many factors that may qualify a high income earner for a chapter 7 bankruptcy filing. Although the Means Test may appear to be a fill in the blank form, there is much law behind it. A thorough analysis of your financial... View More
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