need to know if there is a self help internet service to file chapter 13 bankrupcty.?
355349
Unless you have a debt load of over $25,000 and no hope of future income, I would stay away from Bankruptcy.  Your credit is ruined for years and the credit card companies can still come back after you anytime they want.  Try to change some spending habits or lifestyle before you make this decision.  Call the credit card companies and see if they will settle for a lower payoff, a payment plan, or lower interest rate.  Don't give up, the companies don't want to have to deal with your Bankruptcy either so they will eventually work with you.
534520
You can file it yourself.  But the advice of an attorney or consumer credit counseling may help prevent you from having to take this step, even when you may think it is necessary.
990881
try the better business bureau
689125
I did it 10 years ago and it worked out for me but don't be misled.  There are 2 different bankruptcy clauses.  Chapter 13 and chapter 7.  One is based on a person that was paying on time and suddely were thrust into the situation because of a hardship like being laid off or extreme medical bill occuring.  This is the better situation, Chapter 13.  Chapter 7 is for someone that ran up their credit and lived beyond their means.  It is hard to recover from Chapter 7.
600613
If you can not afford or obtain aid for a legal representative, consult your local librarian for references. When answering be truthful and do not leave out vitals. If really in need call on activist organizations that may offer assistance. If it is a criminal accusation or regarding divorce or child safety GET A LAWYER! SELL YOUR STUFF.
44840
Tough luck. \nThey just changed the bankruptcy laws in October '05. \nNow it costs more to file, but before you can even file, they make you jump through a bunch of hoops, and I guess their pushing chapter 13 (the payback plan)...\n\n\nGood luck!
1149969
Since you have a computer go to your banks online service bring up the payments. Call the Loan Company while online discuss it with the manager in charge. Explain to them the problem you are haveing. A Friend of mine just went through this an she claim bankruptcy just prior to this but kept the car and payment. But what had happened is the payments go to a lock box and sit there and when they finally put it in they credited the wrong account. They were showing her two months behind an her payment were there on the first of every month. Plus get there building address not a po box and send the payments to that addrress.
59051
I was a stay at home mom.  I just went through a divorce and had no money when it first started.  They have Lawyers that will go by your income.  Even if you have no income they are out there.  They are called Probono lawyers.  I don't know if that is how you spell it.  Call any lawyer and tell them you have no money can they direct you to a probono lawyer.
101060
If you feel the moral obligation to repay some of your debts over time, you might consider a Chapter 13 bankruptcy.  I consider debt consolidationn services to be worthless.  Contact a local bankruptcy for further assistance.
479660
I would file tommorow if I was you, once they get a judgement you cant include them in your bankruptsy. I just filed in october and it was over in march. I downloaded the forms from gov.org website and did it myself, I filed it myself and included a form to ask the court for a payment plan for the court costs which were $187.00, to be made in payments. We filed chapter 7, and because we didnt have more than 25% equity in our home we got to keep it. We wernt behind on that bill. So we just keep on paying it like usuall. We got to keep one car for each of us. Both were already paid off. My husband had one judgement that was not allowed to be discharged. And our home equity loan and mortgage was not entered as a discharge, because we are still able to pay for that. We got $69,000 dollars worth of debts discharged (meaning we don't have to pay them)The day you file, you have to pay $50 dollars toward the total if you file the form asking for the payment plan. The forms are kinda hard to understand at first.The packet is about 20 pages. One ask to list all secured debts, which are home loans or car loans. And then you list all your unsecured debts on one page meaning credit cards and hospital bills and the like with all the totals and names and addresses of the debtors, and then a page to list your income and what your personal assets are like jewlery, art work etc. Just work one page at a time, you can do it. But work fast before the judgement, and don't tell them you are doing it. The day you file you and get a number you are protected from them harrassing you, calling you or sueing you. The papers are free to download of the government web page. You have to decide which one to file chapter 7, 11, 13 depending on you particular circumstances. 7 is total and if you own more that 25% equity in a home they can sell the home to satisfy the debtors. 13 is a repayment plan I think. And state to state has different rules. Now you have to have credit counciling to, I think. The second web site has the forms free to download and the rules of the credit counciling and a listing of the individual states that you would live in. I hope this has helped you. Remember the law was set up for you to help you, when you cant pay the bills. Dont let anyone shame you. Its your right to file..
880305
if they wont work out a forebearance agreement,then contact a bankruptcy lawyer, call HUD now!!!! you nedd to prepare to move in case.....good luck
667662
In your yahoo search bar type in Bankruptcy Explanations, Scroll down the page til you see number 5 click on that and any questions that you have I'm sure this site will help you.
1149542
Get copies of your credit reports from all of the major reporting agencies.  Challenge the bankruptcy.\n\nYour lender can also "fast-track" the cleanup process and get your credit re-scored.  There is a small fee for this, typically about $50.00 per item on the credit record.  This is the fastest way to get this cleared.
901211
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
80890
Not sure how short you are looking for but first thing you need to do is give more details (have you gone through bankruptcy, collection accounts, no credit..) \nIf you have just recently gone through bankrupcy then I would suggest getting a very low limit credit card www.capitalone.com - where I got mine... Just start using it as a gas card, or buy clothes and take your time paying them off.. Like a couple months.. Never EVER be late on a payment and always pay over the minuim amount due (payment). Second, dont be late on any bills. Creditors look at this as well. Have you got a copy of your credit report lately? You should if you haven't so you can see what you are up against. If you have not filed for bankrupcy then you need to see what you have in collections and also get all your debt paid down.
989879
simply put, no, and because of recent law changes it's more difficult to file chapter 13. You need an attorney.
446011
Just start at page one, and fill out what they give you...  when you take it in, they will go though it and unwittingly tell you what you have made mistakes on, its a great way for free legal assistance.  Also see if your state has a legal advocate, or friend of the court's office to help.