michigan has a new bankruptcy law excluding credit cards from being charged off, is that true?
343784
As of October 2005 you can no longer file bankruptcy on any credit cards and that is in every state as far as I know. I know Michigan, Indiana, and Ohio for sure but I think it may include all 50 states. It was in the news and most backruptcy lawyers have  a copy of the newpaper article in their offices. Yes it is true you can file on hospital bills, autos, or anything you owe on except credit cards.
268851
That debt should have been included and discharged in the bankruptcy.\n\nYou need to talk to the lawyer who handled the bankruptcy on your behalf to find out for sure based on how your bankruptcy was handled.
388364
It will ruin your credit.  They will get your credit cards to lower or eliminate interest, if they are willing to participate.  When I tried this some of my cards eliminated the interest, but one of them actually raised it.  There was a $3/month fee per card.  My net savings per month was $46. I ended up filing bankruptcy 6 months after I started this program.  I did have a friend that went this route and got out of debt, but all of her cards participated.
997484
If you want a correct answer... ask a local bankruptcy attorney!\n\nI would suggest you read the article "New Bankruptcy Law – Where’s The Consumer Protection?" you can view it at:\nhttp://www.sandiegolawyerforyou.com/san-diego-bankruptcy-law-update.htm\n\n\nhttp://www.las-vegas-nevada-lawyer-attorney-legal-injury-defense-directory.com/las-vegas-bankruptcy-lawyers.htm\nhttp://www.san-francisco-oakland-bay-area-lawyers-attorneys-directory.com\nhttp://www.san-jose-ca-lawyers-attorneys-directory.com\nhttp://www.sacramento-ca-lawyers-attorneys-directory.com\nhttp://www.la-orange-county-lawyers-attorney-directory.com\nhttp://legal-advice-library.info/blog\nhttp://www.austin-texas-lawyers-attorneys-directory.com/austin-legal-services.htm\nhttp://www.san-antonio-texas-lawyers-attorneys-directory.com\nhttp://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info
208930
It depends on how your 'Community Property' laws in your state work.\nYou might want to retain a financial lawyer, or at least hunt around for a decent one experienced with financial matters.\nI would suggest you keep your finances separate, too. Stuff only in your name and such.\nOn a side note...even if it is illegal, creditors will say anything and everything to get money out of you. \nIf they've already discharged the bankruptcy, creditors cannot bother you anymore unless you fail to pay on agreed terms setup in the bankruptcy. We only had a couple of issues with creditors, but, as soon as you say it was discharged and give them the doc-number,they'll usually leave you alone.
499595
I filed 6/05 and discharged 9/05, I have some problems getting credit.  But Right after I filed I applied for a Rewards 660 Visa Card and was instantly approved.  This card specialized in people who have filed bankruptcy.  I also have an Orchard Bank M/C, Target Guest Card, and a Hooters M/C with a limit of $1k.  I have been cleaning my credit up now since my bankruptcy has been discharged and I recently was approved for Capital One Auto Finance Blank Check Loan.  I just got my new car on Sunday. I think I'm ok now with the credit accounts I have now, so I'm just building up my credit and making all my payments ON TIME!!! That's the key!  Good luck...Believe me filing Bankruptcy IS NOT the end of the world, you can have good credit again.
1131729
It's permanent.  Future creditors aren't supposed to look behind it, basically what your credit was like before the bankruptcy.  Although, they do & can question you about your payment history on any account.  People talk about being "out" of a bankruptcy for a certain number of years.  It's supposed to be 7 when it's done.  It's not.  That also used to be when people would be able to claim it again to clear their credit again to start over.  The laws have changed regarding bankruptcy so you can always check with the lawyer/attorney who worked on your case. If you want to rebuild your credit, apply for one or two cards.  Use the cards for quick things, extra groceries, stamps, gas for the car/truck/van, going to dinner & the movies.  When the bill comes in the next month, pay it off in full.  If you can't, pay 1/2 then pay it off the following month.  The biggest credit card mistake people make are the interest fees, aka APR (Annual Percentage Rate).  Also, late fees have gone up from $10 to as high as $35.  I didn't file bankruptcy with my credit.  I got an accident settlement that allowed me to call my creditors up & settled the accounts.  Now I have a checking account that I use a Debit card on. It has a Visa logo & I can use it like a credit card.  If no money's in my checking, the transaction is denied.  It keeps me paying attention to my spending better too.
1111286
Yes.  Charging off is just an accounting term, and most companies do this after a certain period of no payment.  This does not make the debt disappear.  You still owe the debt, so they can sue until the statute of limitations runs out in your state.
344728
I helped my girlfriend file a year ago and it was relativly simple.  I've since learned that the laws were changed (and few people know because Iraq/Elections/Missing Persons were the only national headlines.  It' supposed to be exceedingly difficult now, especially if you have any assets that most people would consider protected. \n\nI'll see if I can find some more.\n\n\nMore: "WASHINGTON - The most sweeping rewrite of the U.S. Bankruptcy Code in a quarter- century, making it harder for debtors to erase credit card and other obligations in court proceedings, goes into effect Oct. 17.\n\nAmong the changes made by the new law:\n\n* It sets up a new test for measuring a debtor's ability to repay. People with insufficient assets or income can still file a Chapter 7 bankruptcy, which if approved by a judge erases debts entirely after certain assets are forfeited. But those with income above their state's median income who can pay at least $6,000 over five years - $100 a month - will be forced into Chapter 13, under which a judge orders a repayment plan.\n\nIn calculating income, people filing for bankruptcy may deduct various expenses as defined by the Internal Revenue Service, including food and clothing, and some health and disability insurance expenses.\n\n* People seeking bankruptcy protection are required to take credit counseling courses within 180 days of filing.\n\n* It gives priority to a spouse's claims for child support among creditors' claims on a debtor in bankruptcy.\n\n* The law allows for special accommodations for active-duty service members, low-income veterans and those with serious medical conditions in the new income test for bankruptcy applicants.\n\n* The law supersedes the unlimited homestead exemptions in states including Florida, Iowa, Kansas, South Dakota and Texas that allow wealthy people to file for bankruptcy and keep their mansions sheltered from creditors. The law limits the exemption to $125,000 if the person in bankruptcy bought his or her residence less than three years and four months before filing.\n\n* It also requires billing statements for credit card accounts to include an example of how long it would take to pay off a balance at a specific interest rate if only minimum payments are made.\n\nThe law also makes it tougher for businesses that file for bankruptcy protection:\n\n* The law limits the exclusivity period, the 18-month span during which a company in Chapter 11 has the sole right to propose a reorganization plan. Debtor companies are no longer given unlimited extensions of the exclusivity period.\n\n* It limits the ability of companies to give lucrative pay packages as a way of retaining top executives.\n\n* Companies must decide within 210 days, or seven months whether they will keep or relinquish leases on property.\n\n* Creditors can seek to have a Chapter 7 liquidation filing dismissed or converted to a debt reorganization plan under Chapter 11. "\n\n\nBest of Luck,\n\nArmus
1097861
Yep, everybody everywhere.  Your attorney will send them a claim form, and if they return it they are added to your bankruptcy.  If you are filing 13, there is priority on who gets paid first, and the utilities may not get paid in the life of your bankruptcy.\n\nAs far as the utilities charging you what's on your bankruptcy, I'm not so sure that's true.  If a utility tells you that you have an old account, you tell them that it is included in your bankruptcy and they will start you a new account with a zero balance.
1029812
Try the UNITED WAY debt consolidation I did and the calls stopped and I made one payment a month according to income level and there was no fee. You MUST call your credit card company's and tell them to STOP your cards immediately or it just keeps getting more and more (very very important) don't use them at all go all cash or don't spend. This is a free country thank God and we should not let the Government dictate anything. I hope this helps. Knowone made you go into debt so its you that has to figure a way out. A real challenge indeed, with out claiming bankruptcy (even if you claim Bankrutcy you still have to pay back at a lower rate depending on kind of Bankrutcy and judges decision) go to consumers Q&A on your computer and see what other people are doing and follow what is working for the MAJORITY. It might work for you as long as your debts arent too far out (Hundreds of thousands). It seems the older we get, the less they care about us, not much can be done about that unfortunately. when the goin gets tough, the tough get going .....good luck my friend.... your imagination is thier worst enemy...... Peace
702046
I doubt if you will be able to file bankruptcy on line. You can file on your own, but will probably need to talk with an attorney. Bankruptcy laws changed about a year ago. You cannot automatically get a Chapter 7 discharge. There is a means test you must pass before you will be allowed to receive a discharge. You may be required to file Chapter 13 to repay all or part of your debts. That is the new law. There are Consumer Credit Counseling companies that help those with credit problems to work something out and repay their debts without having to file for bankruptcy. They can often work out a reduced settlement out with your creditors. If it has been 10 years and you are working, perhaps it would be best to try and work out a settlement on your debt. Frankly, after 10 years, I am not sure that they could legally collect from you anyway. If you file bankruptcy your credit will suffer for many years. A bankruptcy can stay on your credit for as long as 10 years, depending on the section of the bankruptcy law you use. You really need to talk to a lawyer or credit counseling service.
1172874
1st, there was a similar question to this a few days ago from confused dude.  You might try to find that answer in case this one leaves something unaswered.  \n\nNow, as I said then, I am NOT a bankruptcy Attorney and this is NOT legal advice.  This is what I remember from a bankruptcy (bk) class where I got a crappy grade.  There are 2 kinds of consumer bk.  Chapters (ch) 7 and 13.  You will need to do a credit counseling session before either ch. This will cost about $50 or so and is supposed to help prevent you being in this situation again.  \n\nCh 13 is a court approved payment plan called a re-organization where your 'excess' cash goes to pay a portion of the bill that you had before you filed for bk.  This is still easy to get into but you will be in this plan for 5 years.  \n\nCh 7 is a discharge of your obligation to pay.  You have to qualify under income guidelines that vary per state.  Under this ch after your non exempt stuff is (sold and the cash) applied to your debt it is discharged from your having an obligation to pay it.  It does not go away and co-signers will be obligated for it at that point.  There are exceptions to discharge and some of these are: student loans, taxes, child support, and fines.  This list is not comprehensive.  Also, property that is being used as collateral for loans (house, car, etc.) can be taken back or repossessed by the lien holder is arrangements are not made regarding those items.\n\nSo, if you can qualify for a ch 7 bk then you should probably not have to pay for the credit cards.  If you have to do a ch 13 then you would have to pay a percentage of what is owed to the credit card companies.  Generally this is not a really high percentage.\n\nI didn't mean to give such a long answer but I thought that knowing what your options are and what problems you might encounter would be helpful.
21828
If you mean you're trying to find if your bankruptcy has been dropped by the credit reporting agencies, you can obtain an annual credit report free of charge from all three reporting agencies.  If there is information you believe should be changed, each has a simple method of reporting that and getting a fairly quick resolution.  Here's the link to this program:
66199
As of October 17, 2005, it became much more difficult for many people to file bankruptcy.  The paperwork has increased by about 75%.  The new laws and procedures are confusing even to us lawyers.  If you don't follow all the right steps, your case might be dismissed and it becomes even more difficult to file.  It is not absolutely necessary, but I pity the poor soul to tries to file bankruptcy on their own without an attorney.
730101
I would ethier put a stop payment for that account, or close the account all together. The transaction will appear on your statement. I would check into this right away. After you close the account, I would advise you to seek a lawer. You can take legal action againts this company. Charging without permision is called fraud. You may be able to get some of the money back if not most of it. depending on your credit card company you may be able to do a chargeback, that reverses the transaction.
792019
If you are in a Chapter 7 they can take certain things but usually not all your personal belongings. \n\n\nRead this page: \nhttp://www.expert-credit-advice.com/bankruptcy_facts.htm