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What is the name of your state?MA
In NH SOL is 3 years, in MA it is 6 years. My one remaining delinquent account of 2 (I make payments to lawyer for other) reached the 3 year SOL this month. i am moving to MA i November, does that reset the SOL for another 3 years? I figured it would..
What is the name of your state?NH
This company called my cell phone the other day. Say they have a department store card of mine from 8 years ago. She said the last payment was made on Dec 5th 1998, which is an utter lie. This card was charged off in 1997. The balance was 660.00, is now at...
What is the name of your state?NewHampshire
Hey guys!
Palisades Financial is trying to collect on a nearly 3 year old Providian account. I am already paying one lawyer monthly payments for the other Providian account that was charged off(they were about to sue and had attempted service at my...
What is the name of your state?NH
Well here is how things ended up~
Cancelled my BK (Im out 600 bucks and will get about that amount back)
Called the lawyer who was handling the one(of two) delinquent Providian accounts, now owned by a collection agency. I tried him (and the collection agency...
What is the name of your state?NH
Well, long story short-
I pay my 1200.00 for Chap 7. I call asking for the forms because i want to file next Thursday(They "efile")
This lawfirm is a partnership. I had my consult with the partner who really doesnt do the Bankruptcies. He never asked me how much...
What is the name of your state?NH
So much for doing it myself. $1200! OUCH! Anyway- the lawyer made it sound so simple. Said the trustee would not touch my paychecks or even my security deposit. Said my work and landlord would NOT find out. Seemed a little to easy. Paid half now and will pay the...
What is the name of your state?NH
The asset portion if my summary of schedules will include ALL assets- even the ones that are exempt on schedule C, right?
On the exemption sheet it asks for which law applies(allows) that specific exemption- How do i find this out? Will it be either 11 USC...
What is the name of your state?NH
Like i have said before, i generally have 2000-2500 in my checking and savings(total) at any given time. How much of this will the trustee take? All of it? And my security deposit on my apt- 1100.00- This is going on schedule G- will he/she demand this as well...
What is the name of your state?NH
Do I put my student loans and Car Finance company on the matrix? And then on Schedule F- Creditors holding unsecured nonpriority claims- Do the student loans go on here with all my credit cards- or do the student loans ONLY go on my expenses and never on a...
What is the name of your state?NH
I was checking out Chapter 13 possibilities as well. Part of me would like to pay back these two creditors something. Going over everything, and adding back in my 5% 401 K that I have taken out of my paycheck (adding that in as income, which I didnt know until...
:eek: What is the name of your state?NH
I bought a book today from Nolo.com, printed out all the schedules and forms from the NH state Bankruptcy court website. I want to get this done asap and cannot afford 1200 for lawyer. Only questions I have- the clerk was not very friendly or helpful- i...
What is the name of your state?NH
Regarding the landlord being notified, on Schedule G where you list your leases there is a part that says -- Note: A party listed on this schedule WILL NOT recieve notice of the filing of this case UNLESS the party is scheduled in the schedule of creditors...
What is the name of your state?NH
for validation. I have until Wednesday to send validation letter. Is this too risky? Will it immediately provoke lawsuit?I KNOW they will have information to validate- signed application, statements, ect. I opened the Providian account in 99. Was charged off in...
What is the name of your state?NH
that is about to sue me from doing so? I cannot afford the 1000-1200 dollars (i am guessing here on Chap 7 fees- from what i have heard) until late November/ December) my consult is on Oct 4th. If i gave him 25% would he at least call that law firm that is about...
What is the name of your state?NH
With Chapter 13? Is it pure torture for 3-5 years?ALL of my paychecks would be sent to trustee? I would NOT want my small company to find out! Can someone give me some basics/specifics? I am trying to prepare for the worst before my consult on 10/4. If he...
What is the name of your state?NH
Two accounts have been sold twice. What happens if they are sold again during BK and the list of creditors ends up being wrong because they sold it in the interim? (Meaning i wouldnt have the correct company(s) on my list)
What is the name of your state? NH
Chapter 7 in December~ It is a 16,000 car. Payment is $360 per month. Will the trustee destroy me? Is 8 months too close?
What is the name of your state?NH
Hey guys- I am probably going to file Chapter 7 in Nov or Dec-my consult is on Oct 4th- but here is my question- The local lawyer representing "Heady Corporation- the latest collection company to buy this credit card account ($8200.00) sent me their first...
What is the name of your state?Nh
Same friends who said i couldnt declare Chap 7 because of my income said that my car payment (366 per month) will not be allowed as a discretionary expense because the amount is to high? (As far as figuring out my income/expense ratio thing. The trustee may say-...
What is the name of your state?NH
How much will the trustee want to take from my accounts? How do they decide that?. Should i cancel my savings account? How many months of statements will I need to give trustee? Thanks guys!
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