are you able to file bankruptcy against state unemployment repayments?
372498
no, that is something that can never be bankrupted. it's right up there with child support and alimony.
45270
Nope. The US Government is completely exempt from any bankruptcy proceedings.  You can't claim student loans on there either.
1109420
Not really - but you might be able to convince the banks to accept an immediate pay-back of 30% instead of a possible complete loss at bankruptcy.
445929
Did the Earth just shake?  Something awful happened, cause we finally got a wise answer from icsowesmemoney!\n\nFact.  You owe $20,000.  \nFact.  You make $800/month\nFact.  If you were somehow able to find $200 in that tight budget, and factoring in interest payments, it's going to take over 10 years to pay this debt!\n\nThe other responders completely ignore your comments on the difficulty in finding a better paying job.  Some day, they will lose their jobs or get laid off, and will discover this fact for themselves.\n\nYou are a prime candidate for filing chapter 7.  You will not meet the "means test" because you don't make enough money to be forced into a Chapter 13 "wage earners" plan.  With no home or car, you have nothing.  \n\nCheck with the local bankruptcy attorneys, and you may even find a program for low income people and get a very low legal cost.\n\nGood luck.  You are in very good company.  Many thousands of other people filed for bankruptcy last year for this very reason.
777630
Yes you can.  I hope in your case there is already a Support Order in place.  In spite of the fact that you've been emancipated, you can sue for the arrearages. I say go for it!!!  :)\n\nBest regards!
209576
Yes I did.  \n\nDue to a ton of stupid mistakes, life disasters, and unforseen problems my life was being destroyed.  \n\nThe new bankruptcy law was about to go into effect.  I was like thousands of others who was on the "bubble".  Waiting to file would cost us far more money.  \n\nI did not see any way of getting ahead for several years.  If I filed for bankruptcy I would be messed up for 5 years (the period of my "plan").  \n\nNo, I am not happy I filed, it's a very depressing time in my life right now.  But the alternative would have been much worse.\n\nThe sad part is if a few of my creditors would work with me....if a couple credit card companies would restore my low credit card rate (accidently went over my credit "limit" and got severely punished)...\n\nNone of them would.  20 years if extremely good credit gets ignored.  So now they get nothing more from me....I guess that's the only silver lining in all of this.\n\nI read that 2/3's of all the chapter 13 bankruptcy plans fail.  I believe it.  \n\nNow I spend a lot of time counseling people on how not to make the same mistakes.
484070
yes if you are laid off you can apply for unemployment, if they fire you, I am not sure but I don't think you can collect unemployment then. But I don't know for sure
1040447
Generally, no you can not. Check this site for your state laws.\n\nhttp://employeeissues.com/unemployment_laws.htm
514475
Guess what?  If you file for bankruptcy you will still have bad credit.  Plus, the laws have changed.  Even if you file you may still be responsible for your debts.
95219
File for bankruptcy instead. You'll end up paying a much smaller percentage of what you owe and then creditors constant calls will be on hold. While your looking for a job try to get a temp job. You'll have money in your pocket, new references, and an inside chance at jobs that open up at the place you are temporairly working. Good luck.
613183
Man!  Do I disagree with the comment about filing your own bankruptcy!  \n\nIf you are low income, there are provisions in the law allowing for some financial help.  Just ask the bankruptcy attorney.
596936
That is a question for a local attorney, bankruptcy law is state specific.  The state you reside in determines the answer combined with your personal circumstances.
212127
Have you tried working with those you owe money to?  Many times, if you just call and explain that you are willing, yet unable to pay off the bills, they will work with you on the debt.  Sometimes by lowering the total debt, sometimes by reducting interest rates. Sometimes by removing penalities and fees associated with non payment.  \nBy the way, I think it's great that you'd rather pay for your debts than file for bankruptcy.  Too many times, people just give up and file instead of toughing it out and paying their dues.  You'll feel so proud of yourself in the end.  Good luck!
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
850132
Once the bankruptcy case is filed your wages CANNOT be garnished by an ordinary creditor.  At that point, only taxes or court ordered child support can be garnished from your wages.  Those items cannot be discharged by bankruptcy.
775214
I am sorry but student loans that are underwritten (or subsidized or guaranteed) by the federal government can not be included in bankruptcy proceedings.\n\nIf you have a bona fide disability, I would suggest that you apply for Social Security Disability Income through the Social Security Administration.\n\nThe federal government is open to possible deferment of student loans in times of disability and low-income, but you can pretty much forget "forgiveness" of loans unless you are performing some kind of Peace Corps service or entering a field where there is a high need for human resources.\n\nIf in doubt, call the Department of Education and they have government assistants who can answer all of your questions about student loans.
34135
I believe the State decides whether or not you are eligable for unemployment benefits. I think they do talk to your former employer though.