Debt Collection Process

Is the current credit crisis and housing slump due to the bankruptcy law changes made a year ago? I can't help but think that the changes weren't the right ones. It seemed like it would have been better to limit how much above and beyond interest the creditors could charge than to make it harder for people to abandon their debt.

Do you think Obama will undue the bankruptcy law changes that GW Bush enacted? Just curious, because I know this was one of the less popular things the Bush administration did.

What are the biggest differences now when filing personal Bankruptcy after the new law changes?

Do u think it's ODD that Bankruptcy Law changed, then this HUGE Forclosure Disaster? I wonder if the Government knew this Economic trainwreck was coming in a couple yrs so changed the Bankruptcy Law to protect the interests of Corporate America. What do you think?

How has the U.S. bankruptcy laws changed since 2004? How do the changes help creditors? How is the person h?

What taxes go away with pre 2006 legal changes to the bankruptcy laws? My father had back taxes and files for bankruptcy in early 2006 now the federal government is comming after the back taxes. Does the bankruptcy take care of those taxes or is he still liable for them? (Lives in Kansas if this matters)

What are the new rules on filing bankruptcy in Texas for individuals? Bankruptcy law changes, how does that effect individuals

How have the U.S. bankruptcy laws changed since 2004? How have the U.S. bankruptcy laws changed since 2004? How do the changes help creditors? How is the person filing bankruptcy helped in the changes?

How exactly did the bankruptcy laws change? I am not considering bankruptcy; I am not in a position where I would need to do so. I am just curious. I was trying to explain to a friend that it is a lot harder to file for bankruptcy now than it once was, but I don't know what the change was.

Bankruptcy laws...changes, does anyone know? I have a family member who has no choice but to go bankrupt on their personal loans and their business. I told him that I heard the laws changed and you now still have to pay back your debt, whereas the laws used to let you just start from scratch basically. He says this isn;t true, but I think he just has bad counsel who don't know this. Can anyone help with this question. The state is Pennsylvania.

Since the bankruptcy laws changed has anyone tried filing their own instead of using a lawyer? I am considering filing for Chapter 7 bankruptcy but would prefer to save the cost of hiring an attorney and was wondering how difficult this would be to do on my own.

If Obama changes bankruptcy laws, how long do you think that would take? Do you think it is a priority? Just curious as to what people think because I am at the point where I might have to claim bankruptcy, but more so because of my private student loan debt with Sallie Mae and AES (my payments between the two are over $1600/month and I am out of forebearances with both of them and lost my job several months ago). I am wondering if it might be worth it to wait to claim bankruptcy in case the laws are changed to included unsecure debt like private student loans in bankruptcy.

DO you agree with the recent changes in bankruptcy laws? They have made it where you must qualify for a chapter 7 which is total liquidation and most of us do not qualify because we are not as far into debt as they think that we should be but they can let you file a chapter 13 which is reorganization that makes the payments smaller but the bill higher. You also are not able to file for 8 years after you already have filed even if it was discharged.

Should bankruptcy law be changed to allow tax debt to be discharged?

Obama's Bankruptcy Changes? Does anyone think the changes in the bankruptcy law that Obama has proposed are good ideas? http://www.ajc.com/arts/content/metro/cobb/stories/2008/07/08/cobbobama_0708.html http://www.thestreet.com/s/could-obama-plan-ease-bankruptcys-sting/funds/life-lessons-one-zero-one/10425151.html?puc=googlefi&cm_ven=GOOGLEFI&cm_cat=FREE&cm_ite=NA No one wants to talk issues? Typical.

How does the Bankruptcy Reform Act 2005 effect me? Hello, This is probably a very vague question, however I'm wondering what impact does the Bankruptcy Reform Act of 2005 have on people? (not those who lend money/credit). How has the bankruptcy law changed since then? I ask because I took a course in bankruptcy law in 2004 and literally two weeks after graduation the above mentioned law passed. Thanks for your time.

Do you think that the changes to the Bankruptcy Laws are part blame for record foreclosures?

How did the Bankruptcy Laws change a few years ago and has that affected our current economy? ? negatively or positively?

Before the bankruptcy laws changed , can one also include judgements from the state in that bankruptcy? If you owe the state money after having a self employed business owing money for unemployment and not having the money to pay it

Any changes in the personel bankruptcy laws in the last five years?

did the president of the united states change the bankruptcy law to protect this country? president bush aside the fact he is was and will be the worse president on record..he changed the constitution of this country..see fourth amendment..he passed a bill the patriot act to further limit freedom in this country..he passed the bankruptcy law to further the economy into a disastrous failure..and eliminating funding for education..health care,and even "borrowed" from social security to support his war in iraq and then smiles while he leads the band! before you die hard republicans go and bury your head in the sand box, this country spent over trillion and trillions lost gone not come back as with our finest troops and george bush was president or did we forget what bill clinton left that republican..now look at what the democrats have to repair. now go do your home work..we don't need Bill Mcbush to further all of george bushes deeds.

Tell me about bankruptcy laws? What changed with the changes? I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems, but was able to work. I have always had to work at being healthy. Have to keep my weight down. I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care. I have no no health care. I am not going to proof read or edit this. I am sick to death of someone dragging up lies on me and slandering me with things which were grossly distorted, exaggerated, calling me things which are lies, and harassing and degrading me over things which never happened in the first place. I have been battered four times by strangers due to people lying on me. Going to the state for help, ends up in my being trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse. I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents. never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing. I really did save 10,000 cash when I was younger, no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises, my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not credit cards. My dps were cash, not credit cards. I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor and they said come on. No problem. More than one. I have disposed of my pets, all but what I could mail, and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change. On unemployment. Kept my bills pd up for four months. Cannot get work any where. I took a review online before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse, I cannot get any other kind of work. I take ACLS Pals, at great expense. I take testing for college hours My brain is working. The ACLS , Pals was like a good BLS except I got to do the airway thingie, put one in. We covered more meds. Open book. I did not use my book for all that. This was expensive, credit. I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work. Finally, my money is gone. Credit gone. Creditors know. they know I am not working. Do not terminate my credit. I cannot get work. I cannot pay my bills. I went to consumer credit. Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not That cut off the important part. I was denied work of any kind except two jobs which just about killed me phhysically.l My bills have increased. Emergency surgery. Rupturing appendix. I am screwed. Bank ruptcy recommended. recommended chapter 7. Taken to court to pay abill of ten thou cash. I am ordered to pay. How? I am not able to work. I am sick, in pain now. No health care. Will not take payments. Paying over four hundred out of my very small survivors social sefurity. Attorney says she will fine bank ruptcy gets all info.Says I insulted her, returns my money and this other vicious lawyers et onto me. Sick for a week after going to court. threatening and intimidating me. Stalking, Tell me to suck off. Go whore it out. Spastic colon worse Now the raynauds is going crazy. I am not leaving. No where to go. burned bridges. have gr kids here. now addicted to them. They ae killing me for money. No help anywhere. What is the deal bkrptyc.Not gay or bi. No need to tell me I'm screwed This has a lot of racial overtones. They will not let me know my genetic heritage. I need to know for my healths sake. I look extremly white. I am not as white as I look. Threatened over this. I have never ever mentioned anything about any sor tof thing to get preference in employment. Preference, Ha. I have always duked it out with evryone else, slugged it out on my own.v Debt settlement is no solution. I have rent. which a hunk. My electricity bill just doubled last month. Rent and electric is a hunk of my check, medical is a big hunk, My rent just went up, and will go up again. Any increase in income increases rent. I am paying over a third, sometimes half of my income for medical. I still do not get to see a doctor every time I need to do so. i just received myh SS check. I have paid my bills and I have $173 left for car gas, for groceries for a month. I have not bought gro. I bought some extra stuff for something unexpected that came up. that 173 is for Christmas dinner, groceries, evrything, soap, etc. This is merciless, cruel, sick. It really is an attempt to make things so hard on me I will die, kill myself, or leave. I am not suicidal. I have no where to go. What is left. Bankruptcy is the only solution. They will not let me. There is something more involved here. I notice that Raul has no return email. What an unusual name, same as the merciless attorney. I do not owe 100.000. I may owe now about 50,000 /60. I had about thirty or fourty thou on there for the emergency surgery. They wrote some off. I have paid some off.Much of that is finance charges. Much of it was medical, much of it was trying to get work, and expense of education trying to get work. As I said my creditors kept extneding credit even when they knew I was off. I had such good work credentials. Had I not htought i had work security I would never have made any bills. I am not a sneak or theif. My kids have absolutely no part in my problems. I am the victim here, not the perp. I have absolutely no reason, none, to be defensive or afraid because I am totally absolutely not guilty of any scheming or plotting or collusions to do anything dishonest. Nothing. I came on top of the world thinking this place was not prejudiced. Ha. I came thinking I would be treated as a human being. New life. Chance to have some happiness which I have not had since 1985. Delusion. Lied to. Victimized all over again. No. I do not like being a victim, but there is no word for it. I do not like some one in authority here trying to make it look like I have had "special" privileges.That is a blatant blatant horrible lie. Special abuse and discrimination is what I have had. This place is vilely prejudiced. The means test said It was a lost cause. i had so much debt. I cannot get an attorney. I am told the one I allegedly offended is the only one. I was 58 when I came here. They way I have been done means work is now out. I will be fortunate indeed if I do not die from this. I wouldhave had my BSN by age 60, and then my MSN by 62. Of course all this is out. It was all planned, my educaiton, and I could have done it. I am a hard worker, and I was dedicated to what I was going to do. I would have then been able to work less hours making more money and work into my seventies and never have to go through this degrading loss of dignity, resources, loss of education. It is as if I stepped into a hornets nest of hatred poverty and personal grudges against me. It is not fair. It has been devastating. Now there is nothoing ahead but stark years of poverty. I am not close to my relatives, there is no going back or forward. Pure viciousness. Nothing mor eor less. Looks so unprejudiced to visit People in health care work longer than others. Lillian Carter was waorking in the peace corp into her seventies. I was not going into the peace corp. I also was not going to be a missionary. Everything wa splanned. feasable, doable. I did not count on someones hating me enough to sabotage everyting. Not my kids doing it. I do not want to hurt them.Thought i was a person in my own right. My children did not do this to me. They are innocent of this. They are also not responsible for me. This was preplanned sadistic maliciousness, and I am not paranoid. Tnhey did not mean for me to survive this. This discrimination, hate crimes against me, has gone on for a long long time. I can spell, type, use good grammar, punctuation, etc. Why bother. What is the use. It is all pointless. Don't holler depression, etc. I've not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life. Never used drugs for wt control, ever. Never had a major mental illness. Never lost my license, ever. This is the God's truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed. Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I'm ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwanted I've not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life. Never used drugs for wt control, ever. Never had a major mental illness. Never lost my license, ever. This is the God's truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed. Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I'm ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwanted I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it. I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot. I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it. I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.

How did the Republican changes to bankruptcy laws affect our current economic crisis? The Republican-Controlled Congress changed the bankruptcy laws making it more difficult for the average American to declare bankruptcy. http://www.washingtonpost.com/wp-dyn/articles/A24940-2005Mar10.html But when corporations like AIG, Bear Sterns, and Goldman Sachs are financially insolvent, the Republicans rushed to their rescue and gave then hundreds of billions in "bailouts". Why didn't the Republicans allow for the laws THEY PASSED to work, and make those companies file for bankruptcy? Attention: If Repubs believe in the free-market, wasn't Bush's bailout giving a loan to an "unqualified" company? After all, they were insolvent! Hammer: Yeah, I'm stupid. Bush and Paulson and Bernanke were Democrats.

How does Bankruptcy Work? I am about $30,000 in debt and I make $36,000 a year. I live in VA and am considering bankruptcy. I rent an apartment and have a car. Other than that I have under $1,000 in my bank account. What can I expect from bankruptcy and what will be done will all my debt? I have heard of payment plans and changes in bankruptcy law.

US Bankruptcy laws change? Now that the banks who were lobbying for stricter bankruptcy laws probably realize that they wont get any money from debtors... will the bankruptcy law change back to loser requirements again?

Is it true that when you file a Chap 7 bankruptcy that the cancelled debt needs to be reported as income? I filed for Chap 7 bankruptcy before the law changed in 2005. My house went into foreclosure but was covered in the bankruptcy because I knew I couldn't afford to keep it even after the filing. I am of the understanding from the attny that I DON'T have to report this, but a CPA is sayin it is included. I am totally confused and wish that people in the legal field and cpas would make agreements on the law.

President Bush changed the Bankruptcy laws. How much worse is it to claim Bankruptcy now? If you claim Bankruptcy for credit cards and medical bills, are you in danger of loosing your house and cars.

Need help with bankruptcy law?? My uncle filed for bankruptcy Chapter 7 back in 2001. He and my dad were partners in a business wich they just sold last week. My dad just told me that about 20K will be offset because of my uncle's previous bankruptcy filing. Now is this legal, or is this included in the new change of the bankruptcy law that came in effect in 2005? Any infor will be appreciated.

Are their limits to filing for a 2nd bankruptcy? Can you file for Chap. 7 twice? With the changes in the bankruptcy laws, are there limits in place as to filing for Chapter 7 or 13 bankruptcy protection within a certain number of years? Can you file within 7 years of a previous bankruptcy judgement?

How is the executive branch able to change bankruptcy laws without a vote? http://news.yahoo.com/s/ap/20090528/ap_on_bi_ge/us_gm_bondholders

With Pres/Elect Obama in office in a few short weeks, will we see the bankruptcy laws change again?

Debtors Prisons are back!!! Do you know that the recent changes in the bankruptcy laws have put YOU at risk? Debtors prisons were here before but only for poor non custodial parents who could not pay support(those that could pay did before being jailed) And even those non biological parents that DNA had excluded but the court still imposed support for the benefit of the child(about 30% nationally jailed and NOT the biological parent). This carries a felony conviction which also takes away your right to vote(among other rights). NOW you can be hit with the same contempt charge for being too poor to pay your credit off. This can also put YOU in jail with the same Felony conviction.. How do you feel about the new industry in the United States being Jail construction and maintainence to house all the poor that will now be classified as felons(and that includes you who have difficulty paying your bills now)? After already losing freedoms through the patriot act are we now at risk of losing our liberty? I may be wrong but I thought this was the United States of America. Our forefathers disgraced..

how much does it cost to file for bankruptcy? how to file for bankruptcy? as we all know bankruptcy laws are constantly changing. Is there any online source from where i can find online bankruptcy services and advice.

Why did the repub congress change bankruptcy laws in 2005? Unfortunately I am about to file chapter 7 bankruptcy within the next 2 weeks. I am recent college graduate with bachelor in math but I cannot even find $8 an hour job and for several months I have been unemployed despite hunting very hard for any job. Now with credit cards bills reaching sky high and other debts, and zero income i am forced to pay $1800 to a bankruptcy lawyer to help file chapter 7. I never imagined it would come down to all this. In late 2007 my credit score was 711 and i was debt free. But then from 2008 financial troubles began when the company i worked for became bankrupt and shut down. After that i really could not find any job. On the lawyer's website i was reading that congress changed bankruptcy law in 2005 under intense pressure from credit card companies to "make it much harder and next to impossible to file bankruptcy" why the hell did repub congress do that? were they serving the interests of credit card companies or the ordinary citizen? I think this is just one of the small reasons why they lost power. the major mistake i did was that i thought after graduation from college, i should get good job. When that didn't happen, all financial planning failed and i was led into bankruptcy. Nobody ever warned or notified that it will be hard to get job after graduation. If I knew that, i would never have been into such big debt. dina: on the same note, shouldn't GM, AIG, Fannie Mae etc be filing bankruptcy too? as taxpayer we are funding those companies but you support that? lawgirl: i'm in virginia

Have u filed bankruptcy since the new law changed? If so,? what were your results and what happened to you.Please share your story

How do you file bankruptcy now that the laws have changed? My friend and I had a discussion about this. She has some debts and was considering bankruptcy. I heard that the laws had changed considerably. Anyone have any information? Thanks

Bankruptcy in 2000 was to come off credit in 2007. Law changed recently to 10. Shouldn't pertain to us, right? Ours was filed in June 2000, discharged in Sept. 2000. The laws at that time were seven years to stay on our credit. Just in recent years, it has changed to 10 years. Should we not be "grandfathered" into the laws of when we filed? The new law does not apply to our bankruptcy 7 years ago. It should have still come off Sept of last year. Experian, etc is being jerks about it and won't take it off. I need to know if I must hire an attorney just to get off what should have come off anyway. Thanks. :-)

I am way over my head in credit card debt, like $24K. Is there hope for me for bankruptcy (see details)? Because of medication that I'm required to take and have been on since 1999, since I have no medical insurance, I've had to continually throw the costs of meds on credit cards. I'm making more money now than a month ago in my last job, but I'm still only able to make the minimum payments. I don't buy useless stuff, just what I need, not want, NEED. My dad is hinting at me to get a place of my own becuz his witch of a wife is putting him up to it. If I didn't have all this debt, maybe, just maybe, I could afford a studio apartment. I know the bankruptcy laws have changed since like 5 years ago or whatever or even less than that, and I know they make it a lot harder for you to get rid of your debt. I don't know what to do. I've contacted non-profit credit card organizations and they just tell me I need to find a job that makes more money. Well, that's really easy for them to say, especially when I don't have a college degree. Do I have a chance?

What exactly changed about the bankruptcy laws in the last year?

Can you name 10 things government isn't regulating or meddling in? I can't name any -- before you say something like toilet paper, remember they dictate the gallons per flush. Today I hear they're considering bankruptcy law changes that will force lenders to lower rates and principle balances for those in trouble - it's 1929 all over again. Hang on to your hat!

Would it be a good idea for someone who has a recent BANKRUPTCY to apply for a car loan? A friend declared Chapter 7 Bankruptcy last fall before the law change, and his debts were cleared and honestly I cant really say if it is a good idea or not for him to apply for a car loan as his first application for credit of any kind post-bankruptcy. I would tell him to look into credit counciling, but every site I have seen has some kind of a catch or is not entirely unbiased. The loan amount he wants is 15K for a late model used car. His income to debt ratio is excellent now, unlike a year ago when he was not recieving his pension. Any advice for him considering it is roughly six months since his Chapter 7 bankruptcy discharge and if applying for a car loan is fine at this point?

Anyone filed bankruptcy since the laws changed? I need to file bankruptcy and do not know where to start. I do not have a credit cards. I have past collections I cannot get any of this caught up. What is the cheapest most productive way to file? Do I have to get an attorney ? I want to get rid of my financed car should I purchase my cash car before I file? I live in a rntal home cn I move to another rental after I file? Please advice from people with personal experience.

Change in bankruptcy laws? now that so many people are hurting financially. Was wondering if there may be talk of putting the bankruptcy Law where they were before 20007 change.

Has anyone filed bankruptcy since the laws changed? I'd like to know what you went through. Also, has anyone used the services of Debt Consolidators or Debt Settlement? How did that turn out? Serious answers only please. Don't get cheesy and go for the points!

can a creditor change the date of last acitivity to the date you filed bankruptcy on you credit report.? once the date was changed the items stays on my repiort longer. I also had an account on my report reflecting the date of last acitvity to be 12-2000 and when the 7 years was reach it came off came back on the following month with the date of last activity changed to my bankruptcy date. is it against the law to change dates and remove items and put them back on.

Is it right bankruptcy laws were changed making life harder for middle class Americans, yet Corp bailout o.k.? In 2005, the republican lead congress and Bush decided to make it harder for Americans to file bankruptcy because apparently we are a nation of whiners. http://money.cnn.com/2005/10/17/pf/debt/bankruptcy_law/index.htm Middle class Americans have had some of the worse times since the great depression. http://www.nytimes.com/2008/08/17/magazine/17pessimist-t.html Forclosures, high inflation, high gas price, and highest health care cost ever. More people are going bankrupt because of medical bills and many of them have health insurance. I had to sell my house in a down market because I knew the cost was getting too much for me. Why are companies different? They get a 700 billion dollar bailout. Why do they get the bailout and not me?

How long does Chapter 7 stay on Credit Report if FILED in JAN 03? I have always thought that if a Chapter 7 was filed "Prior" to all the Bankruptcy Laws changing they would be ok. My question is--If someone Files a Chapter 7 Bankruptcy in January 2003 and it's Discharged in February 2003. Since this now 7-years shouldn't this be removed from a person's credit Report?

when did the bankruptcy laws in New Jersey change to ten years before it would be removed from your credit? I filed in 2001 and thought it would be clear in seven years, that anniversary is in March this year and I was looking forward to it my credit has been spotless since then it is the only mark on it

Are there any ways to include student loans on a bankruptcy judgment? Yeah, I know the law changed recently, but are there any execptions to the law that made it harder to include school loans on a bankruptcy? What if the person filing bankruptcy either has a disability or has a low income? What type of strategies exist for having school loans included on a bankruptcy? Thanks

can i file for chapter 7 bankruptcy twice? i filed chapter 7 bankruptcy in 1999 jointly with my wife. it's still on my credit report for another year. i have 40000 grand in credit card debt again.i know the laws have changed for bankruptcy.can i file jointly again and still reaffirm my mobile home loan and keep my crappy cars that are paid off,but they are badly damaged by hail so probably worthless. basically am i allowed to file chapter 7 bankruptcy again?

Should the government balance the system for the middle class similar to what was done for large corporations? Corporations have had many laws changed to suit their needs. The bankruptcy laws have been changed at least twice in the last eight years. More caps have been placed on damages awarded when companies are negligent to consumers. The credit bureaus wanting to give everyone ( ie; future and present employers, telemarketers) consumers credit history reports and information, to make more money. Should laws be changed or changed back to how things were before this economic meltdown affected the entire country? Should we become a nation that is more pro citizen protection than pro business protection?

Tell me about bankruptcy laws? What changed with the changes? I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems, but was able to work. I have always had to work at being healthy. Have to keep my weight down. I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care. I have none. Going to the state for help, ends up in my being trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse. I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents. never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing. I really did save 10,000 cash when I was younger, no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises, my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not credit cards. My dps were cash, not credit cards. I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor and they said come on. No problem. More than one. I have disposed of my pets, all but what I could mail, and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change. On unemployment. Kept my bills pd up for four months. Cannot get work any where. I took a review online before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse, I cannot get any other kind of work. I take ACLS Pals, at great expense. I take testing for college hours My brain is working. The ACLS , Pals was like a good BLS except I got to do the airway thingie, put one in. We covered more meds. Open book. I did not use my book for all that. This was expensive, credit. I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work. Finally, my money is gone. Credit gone. Creditors know. they know I am not working. Do not terminate my credit. I cannot get work. I cannot pay my bills. I went to consumer credit. Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not hurting myself. I look about 15 yrs younger without this wt. I function very well. Devastated. I have given up my home, spent all that money, now my health is slipping. Told I do not have HIV. Then to show I am serious about working, I take the only two jobs I am offered. Nothing like nursing in any way. Hurt me really bad, as if designed to inflict pain, injury. Have to qu There is a a lot more of this question I asked posted under my name in the section personal finance, this jeliminated a lot of details. What was done to me was criminal discrimination and harassment. Criminal. I have been injured mentally, and physically, and they do not intend for me to recover. I am not the criminal, I am the victim. They would let me do nothing to try to regain my health, or help myself. Nor could I get a job in a hospital. Told to file bankruptcyh, chapter seven, lost cause. Denied the right. Told there is one bank ruptcy attorney here. Insulting my morals, character, intellect. Insulting my education, family, everything. Threatening my children. Vile place. i have no where to go. Burned all bridges. Want to be near my kids. My only daughter and her hb and five kids. Intended to stay here many many years if not my life. Promised I would be able to get work by nursesw on the floor. I had the credentials, work history, education and a lot of valid experience. I know my grammar, spelling, etc. I simply am not going to correct this, why bother. It is truly a lost cause. I have simply been written off for no reason except vile prejudice, lies, and fraud committed against me. I did not deserve this. No one does. I did nothing at all to deserve this. I am truly not able to work . If I regained my health, I am too old now to do anything. I am devastated and I cannot pull out of this malicious sadistic thing they did to me. Live in this subsidized, not state, apt. It is horrible. Exercise toward me in cruelty and avarice.

Has anyone filed bankruptcy in KY since the laws changed? Would your share your experience with me? I am considering filing and want to know what to expect, if I qualify for Ch.7, will I be able to keep my car, how much will it cost, how long with the process take, etc...

If I became too ill to work and my bills were more than my income, would I be able to file for bankruptcy? The bankruptcy rules have changed to make it harder to file. I've been thinking a lot, that if my current illness gets any worse, I may not be able to work or will have to take a leave from work. If that is the case, I will loose most of my income. I will not be able to pay my bills. My debt is high. If this happened, my debt would be more than my income, would I be able to file for bankruptcy? I'm not sure I will have to do this, but if I had to, could I? I live in Florida. Are the laws for bankruptcy different here?

Filed chapter 13, receive SSD , can the Trustee change or question the law"? The new bankruptcy law states not to include social security benefits as income. We receive long term disablity as well. that our attorney showed as income. When filing our papers our attorney did as the new law states, which in turn showed that we owed zero amount to our creditors since the social security was not to be included. When we went before the Trustee for the 341 meeting, the Trustee did not feel that it was right for us to owe nothing and challenged our attorney to prove to him why the social security that we receive should not be included as income. Does a Trustee have the capacity to request this? He wants us to pay something, but why should the law change? Has there been a similar case since the law changed in 2005?

what are the new bankruptcy laws? does anyone know how often you can claim bankruptcy?is it 7 or 10years?also what has changed in the new bankruptcy laws?

I want to file chapter 7 bankruptcy on my own. Anyone do this on their own since the law change? I want to file bankruptcy, but don't know how to go about it. I'm a renter and I own an 88 buick. lol you asked, i answered........ HELLO! Are you living in America right now? Is your family being affected by the economy? Obviously I want to file bankruptcy for a reason. I have considered other options, have reduced the cost of living, etc. I drive an 88 buick 'cause my 2004 sebring that just got repoed! Our income was reduced by 1,500 a month thanks to our economy. You think you could handle your income dropping like that?

BANKRUPTCY+CHILD SUPPORT QUESTION WITH AN UNUSUAL TWIST~READ ON, because we need help please!!!!? I have read so many stories of non-custodial parents thinking that if they file bankruptcy, they will eradicate/ severely decrease the amount of child support that they have to pay. We all know that this is not true. However, my Husband's ex-wife is filing a summons and complaint to get more child support from him. BUT SHE FILED AND WAS GRANTED BANKRUPTCY IN SEPTEMBER 2004, the month before the bankruptcy laws were changed(according to her 3rd and ex-husband, "the last month where you could financially get off scot-free"). My question is this: does any one know how the CUSTODIAL parent filing bankruptcy affects, if at all, how much the non-custodial parent should pay in child support???? Thanks in advance for your help! Just reiterating... SHE, the custodial parent, filed bankruptcy.... we have always paid child support. She just wants more now. we pay $500/month + medical insurance plus half medical expenses. Now she is asking for $697/month, retroactive from June 2007. Meanwhile...... My Husband is sole provider for our household of 2 of our own children, and mine from my first marriage whose father hasn't paid a penny of child support in 3 years. We own our home and pay almost $2000/ month for mortgage. And I'm trying to figure out the wherewithal that this woman has, thinking that her one child needs almost $700/month, especially since she has filed bankruptcy. WE haven't. I have the proof that she filed bankruptcy too, even though they may not look it up. I did, on background check!!!! Have my printed copy right here.

Bankruptcy information? I am looking for ppl to tell me their experiences with filing bankruptcy since the laws change a few yrs ago. I am going to a consultation soon with an atty and just want to know what to expect as far as how long the process is, what is involved, etc... Also, has this had a positive or negative effect on you. I know it stays on your credit for a number of years but otherwise you can begin to rebuild credit in a year or two. Please help and be detailed in your answers. Thanks!

how easy is it to file bankruptcy since the laws have changed?

I know the law changed, but geeez!? Why would a guy tell me that he can't afford to buy my house right now. In three months, he will have gotten his bankruptcy proceeding approved. Therefore, his debts will be gone, so he will be able to get a loan and buy the house. Last time I looked, bankrupt persons could not get credit for 7 years, at least. Or, have the new bankruptcy laws made it possible to now go bankrupt and buy a house within 3 or 4 months of each other? tlbrown...... I have put it on the market. And this guy is furious, He says we had offered the house to him first. He is afraid that someone will take it before he can arrange financing. I dont care who buys it. I just want it sold. Could use that money to get everything else paid off. I am not willing to sit around for months, to see if he can come up with the money. If he does get the money before anyone else does, I'll sell to him.

what happens to credit card debt during bankruptcy? i now the law changed th efirst of the year but what did it change to?

Suggestions....Please! Bankruptcy or Law Suit? Ok, here is the situation. My ex is supposed to carry medical ins. on our son. He lives in Tx. & my son and I live in Ms. The coverage he chose during open enrollment for this year only covers our son in Tx. Before the policy was change (beginning Jan.1), we set up surgery for my son for Feb. The total amount of this surgery when everything is said & done will be close to $100k. It was done here in Ms. Now we are finding out that he had no coverage in Ms. and no out of network benefits. If we can not convince my ex's employer to change the policy & back date the coverage, I'm getting hit with these bills. When the surgery was scheduled in Oct., the policy he was on covered it & in Dec. was authorized by the ins. company. My custody papers state that my ex is 100% liable for all medial bills if he hasn't provided coverage. If these bills fall on me, I won't have a choice but to file bankruptcy. Any ideas on forcing the company to change and back date the policy or options? The HR department at my ex's employer has assigned an advocate, but they are really going to be able to help get the policy changed, not back dated. The child support enforcement order is through the Tx AG's office. They will only enforce the medical if I take my ex back for child support modification. They are sending a copy of the court order to the HR department, but they can't force them to back date the policy either....I need some other ideas on how to handle this.