how do i can declare in bankrupty myself?
467830
try legal aid or your county bar assn. may have a program available. Best Wishes with it.
1171295
That is when you are bankrupt but will try to get yourself out of the bad financial situation by working it out with the government.  Chapter 7 is when you basically close up shop.  If you want anymore info, check out the links below from Wikipedia for Chapter 11 and 7.
141974
You can try, but you don't want to find out it's deficent when it's too late.\n\nYou might try your local lawschool/law library.  My lawschool had a wide selection of forms for do-it-yourselfers.\n\nAnd it might not be so bad to call an attorney.  You might be surprised at how inexpensive it turns out to be.
634569
Establish an Employer Identification Number (EIN) free from the IRS--check with your local Employment Security Office for information, or online.\n\nThen your business has it's own identifying number, not necessarily tied to your Social Security number which will be flagged by the bankruptcy.\n\nGood luck!
812214
Please contact the local bar association for a referral to a bankruptcy attorney.  Consult with that attorney for accurate answers to your questions.
1101946
Credit counseling services are worse than bankruptcy as far as your credit rating goes.  Simply stated when you use a credit counselor you are telling the world "I can't handle my own finances!"  Would you lend money to someone who made that statement?  Neither would I.  Someone earlier stated it's better to deal with the credit companies yourself.  That's true, but remember while they may offer you the chance to "settle"  your account for less than you owe, it's better to agree to pay the full amount.  Arrange a payment timetable that you can afford and don't miss a single payment. Most companies will freeze your account until you reach a certain level, and while that may sound bad but it IS better than closing it completely.  Bottom line, take control of your spending and debt and work with those you owe and your credit will become better over time.
370857
Bankruptcies will stay on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7).  There is no way to remove them.\n\nIf you want to do some letter writing and play the "game" read the files below.  They outline the proceedure and laws involved in protesting inaccurate and unfair listing to your credit report.
890213
When you find out be sure to tell me!\n\nBut seriously the only "free" way to get out of debt would be to file bankruptcy and even that's not free.  You have to obtain a lawyer and depending on what kind of bankruptcy you're eligible to file you may still have to pay a small payment each moth depending on the amount of debt you've incurred.
395711
First, you have to realize and accept the fact that there is and won't be any easy way out of your debt without certain consequences.\n\nHere are a few suggestions from someone who's been and done that:\n\n1. Go to a debt consolidation company, they will make negotiations on your behalf with your creditors for a lower monthly payment. Basically, you will make a agreed upon monthly payment to this company and they will in turn disburse the money to each of the creditor each month. You can call them and tell them your situation as far as the amount of debt and your income. I can suggest one I;ve used in the past, Debt Options in FL, 800-523-0102. It will have a negative impact on your credit score, but at least you will be able to pay down the debt in a fairly short time, and you will only have to repay a small percentage of the actual debt, maybe around 10-30%.\n\n2. File bankruptcy, this is the fastest and least painful way, you can file for Chapter 7 and just walk away from all of the debt. Even though the laws have changed, you can still file for a Chpater 7 or 13 bankruptcy depending on your particular situation, you would have to speak with a bankruptcy lawyer. The fees are probably around $1000 to $2500.\n\nIf you have been in debt for 20 years, then you really need to review your situation seriously and make a decision if you truly want to regain control of your life and finances. It sound that at your current pace, you will still be in debt another 20 years from now! \n\nAs painful as my suggestions may sound, it at least provides a way out for you and then you can start all over with a clean slate, no debts! Trust mem there are millions of people filing bankruptcies every year, so it is not a life ending move, but rather a way to give you a new start.\n\nIt's your life, you can decide as you wish...good luck!
212510
try typing in bankrupt companies in www.ask.com this should help you!
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.
451573
I WORK FOR A STUDENT LOAN COMPANY IN TEXAS, AND IF A BORROWER IS UNABLE TO MAKE PAYMENTS THEY CAN TRY TO QUALIFY FOR A DEFERMENT OR A FORBEARANCE TO POSTPONE PAYMENTS UP TO 12 MONTHS AT A TIME.  HOWEVER IF THIS IS A PRIVATE LOAN, THERE MIGHT BE DIFFERENT STIPULATIONS.  YOUR BEST BET WOULD BE TO CONTACT WHOEVER IS SERVICING YOUR LOAN AND TRY TO MAKE PAYMENT ARRANGEMENTS.  IT WOULD NOT HELP YOU TO FILE FOR BANKRUPTCY BECAUSE STUDENT LOANS CANNOT BE DISCHARGED BY BANKRUPTCY, AND THE BANKRUPTCY STATUS WOULD STAY ON YOUR CREDIT REPORT FOR 7 YEARS.  I WOULD JUST GIVE THEM A CALL AND TRY TO WORK SOMETHING OUT, IF YOU DON'T YOU COULD DEFAULT, AND THEY WILL GARNISH YOUR WAGES AND TAKE YOUR INCOME TAX RETURN, AS WELL AS REPORT IT NEGATIVELY ON YOUR CREDIT.  GOOD LUCK
792228
With the new BK laws, you can't even file until you've completed a financial education class......call your local trustee (Chap 7 or 13) and ask for an approved list of classes......you complete the course and you will be a) better educated financially speaking and b) be able to determine what course of action is best.\n\nAlso, you should ask the Trustee what the median income in your state is for fiing a Chap 7 - you may find (very likely) that you DON'T qualify and could be forced into a 5 year Chap13 plan.\n\nAt the same time, grab your bills, pen and paper, and a strong cup of coffee.....sit down and start calling your creditors, ask for reductions in interest, zero interest for a couple of months, reduced minimum payments, .....just be polite....stay away from debt consolidation!!!!
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!
1123511
I would first of all go to the hospital and see if they will agree to a payment plan. It is my understanding that as long as you pay, consistenly, something on a bill you can't be taken to court (don't quote me on this)...but my first stop would be the accounting department of the hospital in question.  \n\nAsk them where you can go for help in paying.....Remember, you are not the first patient that can't pay.  Just make sure you don't let any family member co-sign anything to do with this bill.  \n\nLast but not least (and this is the last resort) if you can't get help eitther with the hospital or a govt agency,you couuld declare bankruptcy.....but this is a BIG step and will follow you for, I believe, 7 years.
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.
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.