can you obtain a personal loan while in a chapter 13 bankruptcy in illinois?
923161
Not from me, you can't. Lending institutions like to lend money to people who show some capability of paying it back.
33730
You can look at the court records at any bankruptcy court's website.  The form of website is www.ilnb.uscourts.gov\n\nIn this example, IL is the state of Illinois, N is the Northern District and B is for bankruptcy.\n\nChange IL and N as necessary for your local court.  Follow the instructions for PACER-CM/ECF which you will find on the website to learn of a particular case.
1046312
In answer to your question yes you may refinance your property out of chapter 13 bankruptcy. I have done it several times for clients.  You must have enough equity in your home to do this,but I know of some lenders will go as high as 80% LTV for your loan depending on your credit score.\n\nNow keep in mind that once the loan is approved you must have the approval of the court, your attorney should be able to take care of that for you. Any debts not completely paid must be paid  out of the refinance.\n\nMy suggestion for you is to call a local mortgage "Broker", Ask them if they are able to do a loan for you as you are presently in chapter 13 bankruptcy. Ask them if they specialize in Sub-prime and Alt "A" loans. If not keep calling until you find a broker that does. Anyone else you will be wasting your time. \n\nYou will need a months of pay stubs, w-2 forms and fed taxes for 2 years from each borrower. You will also need 6 months bank statements from from all savings and checking accounts to include any 401k programs each borrower might haveas well as a complete copy of yuour chaptere 13 bankruptcy. Once you have given these documents to your mortgage broker, complete a loan application he will then run a credit report to find out your credit score. Once the credit report has been acquired and he knows your credit score he can then find out what type of loan he can get for you.\n\nOnce your loan is approved you broker will tell your attorney when to go to court to end the bankruptcy, you must be out of bankruptcy one day.\n\nIn my experience the best loan for a preson in bankruptcy are called 3/27 or 2/28. Both these loans are ammortized for 30  years, the first number indicates the number of years these loans are fixed also there is a pre-payment penalty for paying them off before that time. After that they go to an adjustable loan. So you select the one you feel comfortable with. Whichever you select you have 2 or 3 years to get your credit in order. If you have paid your mortgage and consumer debt in a timely manner when you refinance you will get the best rate based on your credit score. \n\nAbout 60-90 days before your loan hit the adjustable period contact your mortgage broker to refinance your loan to avoid the pre-payment and the loan going into an adjustable. \n\nIf you can not find anyone locally email me at loanmasterone@yahoo.com\n \nI hope this has been of some use to you, good luck.\n\n"FIGHT ON"
651008
You can have a thousand bankruptcy's on your record and still qualify for a loan.  Finding someone to loan it to you is the trick.\n\nIt depends on how many, and how much.  You can probably get a loan but the interest rate will be a little high.
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.
1127799
Once it is filed, yes. Although a Chapter 13 you are paying debts off through the court. You fail to keep up the payments, your bankruptcy gets discharged back to the creditors to collect.
255352
In most cases, after you have declared Bankruptcy and been discharged of all your debts you become a "better credit risk" that you were before.  You should have no trouble in obtaining a loan for a car [provided you need one...if not dont go that way].  Of course you must be able to show that you can pay for it based on your income.  The interest for anything you do will be high from now on....You can also try for a loan from a small loan company that reports to the credit bureau...borrow around $50 to $150.00 and pay it on time [basically three payments]....then go for one in the $150-$300 range and again pay it a few days ahead of schedule...make sure the place you go (1) report to the credit bureau and (2) is going to give you the loan - since credit inquiries cost you "points" on your credit score.  Last try for a "store" card....department store, ask for low credit line....talk to them first before you file an application for there card.
50195
That means thanks to president bush's new law the chapter 13 will not confirm the bankruptcy because for whatever reason he/she feels you have the means (money) to repay your unsecured debt! Now you will go into court before the chapter 13 trustee, and file for 13 instead of 7 or 11! This means additional attorney fees, trustee gets paid a fee too (of course), as well as months more of your time spent in a court room. Thank God we elected Bush! He has screwed up so many areas of our judicial system. Look at his brainstorm idea working for Medicare's drug plan.
1125516
Yes, you can get a student loan even though you've filed bankruptcy within the past 10 years. You can also get other loans and credit cards.
112655
Yes.  You do not list those debts as part of your bankruptcy plan and reaffirm with the lenders (who by law receive notice of bankruptcy) that you will still be paying them what is owed.  You do not need to file chapter 11 or 13 in order to reaffirm.  However, if you are including those debts in your bankruptcy, then as a rule those assets must be liquidated in order to minimize the lenders' losses.
1163685
you can refinance with a lien on your property but you would have to have a subordinate agreement from who ever holds the lien if they are willing to do so.  bankruptcy if it is a chapter 13 can discharge liens but that is because you would have paid them off.  not in a chapter 7
805198
Not sure about Chapter 7. But, Chapter 13 you can add to it. Just contact the Attorney that handled your bankruptcy and he should handle it. He may charge you a little for his time and additional fees involved. Just ask when you call him and they tell you.
272891
yes, but normally they will just hand it over to a bill collections agency that will get a judgment against you. If your about to file bankruptcy though, don't worry about it. they're not going to throw you into debtors prison or anything. they'll just call a lot and send letters. Once you are in bankruptcy, it'll be sorted out.
671789
http://wis-law.com/bankruptcy.html\n\nhttp://www.wisconsinbankruptcy.com/\n\nthese 2 should help
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.
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
534617
You are probably too late to file personal bankruptcy now that the law has changed anyway.  I don't believe there is an exemption for life insurance, but you need to see a lawyer.  Or maybe work out a plan with your creditors whereby you will give them the money you owe them back over time.  Sell your car (take the bus), sell your television, learn how to budget.  Sell the children (no, wait, not such a good idea!)\n\nGood luck.  Get some help to get out of this mess and to stop you from doing it again!