What can I file in bankrupcy?
144093
Everything except what you owe to the government like taxes, student loans etc....
21036
Did you buy shares in the company? If teh company is dissolved you will not get any money, as the last people to get any money in a bankrupcy case are the shareholders (Thaxtgon lists debts of $242 million as of Aug. 31, against assets of $206 million). Hopefully there will be a restructured company, in which case you could recover something, albeit priced much lower than their worth prior to Chapter 11.
107188
YOU JUST GO TO SMALL CLAIMS COURT AND FILE THERE. YOU SHOULDN'T HAVE ANY TROUBLE GETTING YOUR MONEY IF YOU COME TO COURT PREPARED WITH ALL YOUR DOCUMENTATION.
894665
Contact the better business bureau.  For them to deduct money from your bank account you had to sign something and file it with your bank. Make your bank produce that for you . You may also seek legal advice.
736213
When someone can't pay back money they have borrowed the only option is to declare themselves insolvent. They can do this in two ways.\n\n1.  They can set up an Individual Voluntary Arrangement known as an IVA\n\n2. They can declare themselves bankrupt or be made bankrupt by a creditor.\n\nDepending on what assets the individual has will play an important part in the decision process.  \n\nIf you have no assets then bankruptcy would be the best option as all your debts are written off and you are free of all responsibility in some cases as little as six months. \n\nIf you own a property, shares or other investments and declared yourself bankrupt or were made bankrupt by a creditor, all those assets would be sold by a trustee who would use the sale proceeds to pay himself first (20%+) then distribute the remaining among to your creditors. You loose everything.\n\nBankruptcy is not to be taken lightly.  It is very serious and in some cases you are made to appear in court to give evidence about your finances and explain what happened to the money you borrowed.  Once you become bankrupt you must go straight to the offices of the Official Receiver for an interview and fill up several forms.\n\nYou must declare all your assets, bank accounts etc.  If you fail to disclose some assets you can be sent to prison.  Bankruptcy is a dirty business where the only real winners are the professionals involved.\n\nTo set up an IVA you would first have to get the consent of your creditors.  Your creditors would examine your finances to see how much they would get if you went bankrupt and how much they would get if you set up an IVA.  If you can convince them that they are better off agreeing to your IVA then it is the better of two evils.  You retain some control. \n\nWith an IVA you make a legal agreement setting out an arrangement for paying off an agreed sum over a period of time.  Sometimes this can be all the debt or a percentage of it.\n\nThere has been a rise in insolvency due to a change in the law two years ago and the involvement of insolvency practitioners who have taken advantage of this change in the law. These IP's advertise their services in a way that gives a false impression of the insolvency laws. The press have reported in a similar fashion but in reality things are not so easy that you can "walk away" especially if you are a homeowner or have family responsibilities.\n\nSome business people I know have gone bankrupt.  They have planned their bankruptcy years in advance with the help of solicitors, accountants, insolvency practitioners and off shore companies.  They have hidden their assets by putting them out of reach of their creditors.  \n\nMany trustees don't have the funds to go chasing after the assets that can take years in the courts.\n\nSo my advice for anyone planning to go bankrupt is to make sure you have plenty of money or none at all!!
881806
I filed for bankruptcy 4 years ago. I made payments to my lawyer. I couldn't really afford one payment. Some of them will offer a payment plan.check into it
199853
No if you are still married on Dec. 31st you can file together. You also can file MFS(married filling sep) or HOH (head of household) if you have a dependent. If both are willing I would file together most people get back the most money that way. Some places can even tell you how much money is yours and theirs. Hope this helps you divorce is hard enough.
733694
Good question!!! \n\nYou need to wait until after you are discharged to really do anything. \n\nOnce the bankruptcy is discharged, you need to do the following: \n\n1. Pay your bills on time \n\n2. Dont incur any unecessary debt\n\n3. Open sucured credit cards that report to the credit bureaus.\n\n4. Wait 6 months after discharge, then dispute the BK with the 3 bureaus. After 6 months the BK filing is stored in the Federal Archives and rearely will it be verified, so it falls off!!! 100% true\n\n5. Continually build your credit by gradually opening low limit cards, like Eufora, Orchard, 1st Premier..... and asking for higher spending limits every 6 months. \n\n6. Open secured loans that report to the credit bureaus. \n\n7. Finance furniture (buy here pay here) that reports to the bureaus! \n\n8. Piggyback other peoples good credit accounts (BEST SECRET IN THE BIZ!!! follow this link: http://www.expert-credit-advice.com/building_credit.htm)   \n\n9. Dont file bankruptcy again! \n\nThere are the facts from a credit expert. \n\nYou have the right proactive attitude. Keep your head up, put in the effort, do the right thing and eventually you will look back on this bankruptcy and laugh. \n\nWishing you the best of luck!
793193
If you're in danger of falling behind on your mortgage, or if you're already delinquent, it's important to know what's ahead and what your options are. Usually, the faster you move, the more choices you'll have about your financial future.\n\nFiling for Chapter 7 or Chapter 13 bankruptcy protection sometimes paves the best path for debtors to retain their houses and deal with their creditors. Advantages of bankruptcy include the debtor’s ability to stop foreclosure without creditor acceptance and encompassing more than just the mortgage debt with a single action. If bankruptcy emerges as our first recommendation, your personal circumstances must be well suited for this option. In most cases bankruptcy comes as a last resort. While you may file bankruptcy on your own, you will almost always be better served to hire a qualified, experienced bankruptcy attorney.\n\nIn Chapter 7 all nonexempt assets are turned over to the bankruptcy trustee and debts discharged. Exemptions vary by state. In most cases the debtors possess so few assets that they may keep everything and have all of their debts wiped out completely. If a chapter 7 will not yield this result it may not be the best option. In Chapter 13 a plan outlines how the debtor will pay creditors over a three to five year period. Only a Chapter 13 can stop a creditor from foreclosing on a delinquent debtor over a period of years. Under a chapter 13 the court retains the right to scrutinize finances of the debtor for the life of the reorganization plan. For a Chapter 13 to work payments under the plan must be kept up or the court protection will evaporate and the house will go to foreclosure. To learn more read the chapter 13 bankruptcy FAQ.\nFull Payoff Refinance\n\nBorrow enough money on a new mortgage to pay off the balance on the old mortgage including arrearage and legal fees. This happens more often then one might guess. If the debtor has enough equity in the house, bad credit will not stop them from getting a new loan.\nFull Re-instatement\n\nIt doesn’t get easier than this, find out how much arrearage is owed and pay it in full. If a debtor could do this they probably wouldn’t be reading this, but just in case, know it exists as an option. In fact, most state laws grant the home owner the absolute right to re-instate before the foreclosure and require that the bank accept the full re-instatement and stop the foreclosure. Unless a creditor gives a debtor a hard time, they should not need outside help on this option.\nGive Up the Property\n\nToo often people refuse to examine this as an option. The problem may be that the homeowner cannot afford to stay where they are. If the debtor will not be able to keep the house in the long run it may not be advisable to throw a lot of money into a futile effort to save it from foreclosure just for the short run. Any cash available may serve them better if put towards a new place to live. If you owe more than the house is worth, look at a deed in lieu of foreclosure as described above.\n\nTerms can be negotiated with the creditor for debtors to stay in the house as long as possible before moving. Where debtors have equity in the house, try to arrange preserving it by selling it prior to foreclosure. In some cases other equity preservation strategies may be used when foreclosure cannot be avoided.
120218
Look for a financial advisor, like in H&R block...Don't file bankrupticy until you are sure you don't have any more options.God luck.Don't try to do all by yourself, they have helpfull information that we don't.
1168610
~See a bankruptcy lawyer and get a stay of execution filed.  Fast.
774251
CarCraze --- you are wrong, sorry to say\n\nWhat you have there, my dear, is a bona fide Court Order for you to appear in court to answer to a Motion to Collect a Debt. If it is on Court paper and has a case number, call the Court to confirm the Docket Number, and find out when the hearing date is.\n\n\nYES, they do have that power.\n\nYES, That is the equivalent of a Subpoena.\n\nIf you "just let it ride", as you say, don't be surprised when you open up your paycheck and you find a good chunk of it GONE !\n\nWhat you should do:\n\nSeek legal counsel (get a lawyer) and come up with a manageable payment plan that is both satisfactory to your creditor, and workable for you.\n\nDON'T HESITATE - you will regret it.
851962
Talk with an attorney.  There might be a way you could still come out of bankruptcy with something left.  You didn't say why you want to go bankrupt.  Do you owe more than $65,000?  If there is a way that you can not file bankruptcy then I suggest that you do not file for bankruptcy.  Do you have relatives you could live with if you lose the house?  Usually if you have a lien then any money that's taken from your pay or from what has been sold that you own first goest to paying the lien on the house.  Debts on the other hand, well you can go to Consulter Credit Counseling who can remove the interest, close your accounts, and help you pay down those bills if you have a job.  Right now there are a lot of part time jobs so you can get a second job for the holiday season and don't buy anything more.  Cut off your cable, get rid of your cell phones, and if things get really tight then sell your expensive car if you have one and get a clunker for a while till you recover.  If there are others in your family they could get jobs too.  And, if you can still have the house for a while longer then maybe you can rent out a room by the week (ask for church attenders who need a room to stay over the holidays).  But first you need to figure out how much time you have left on the house before it goes into foreclosure.  Best of luck to you.
158905
ask the bank....best thing to do. They should know.
1136603
Hi there,\nIn the UK no...not necessarily.\nBankruptcy essentially means that you are offering any funds or assets that you have towards your creditors via your bankrupt estate. The link below may be very helpful to you..
370561
Try here:\n\nhttp://www.txwb.uscourts.gov/pdf/local_rules_2000.pdf#search='filing%20fees%20for%20a%20bankruptcy%20conversion%20in%20the%20Western%20District%20of%20Texas%3F'
443411
One day.  If you kept some payments on time throughout the Bankrupcy and have a decent credit score you can qualify for up to 100% financing.  Contact your local mortgage broker.  There are only a few banks that will do that so your rate won't be great.  I'm working on one of these loans right now.  They discharged in January and I'm getting them 100% financing.  After one year it gets much easier and your rates get better.  After two years you can get a mortgage just as easy as if you never went bankrupt in the first place.