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    1. K

      reaffirm or not

      What is the name of your state? south carolina we have a loan that we had gotten about 2 months before we had filed bankruptcy. we had a previous loan with this comoany and they had added 1489.00 to it and refinanced the remainder of the loan. we recieved 1489.00 and the old loan was paid in...
    2. K

      reaffirming part of the loan

      What is the name of your state? south carolina we have a personal loan that we had refinanced and we had gotten some additional money before the bankruptcy. the total amount is 5538.00 the amount of money we recieved right before we filed was $1489.00. the creditor wants us to reaffirm part of...
    3. K

      motion for contempt ?

      What is the name of your state? south carolina My husband and i filed ch7, and have had our creditors meeting. we have a creditor that keeps calling and threatening us and saying they will ruin my husbands career if we do not reaffirm a debt with them. it is for a unsecured loan and on the...
    4. K

      failure to pay debt

      What is the name of your state? south carolina in july 2004 i sold a horse to a fella in south carolina. at the time we were living in kentucky and by the middle of august we were moving to south carolina. the guy kept his horses at the stable where we were going to board our horses when we...
    5. K

      341 over - complaint about debt

      What is the name of your state? south carolina we finally had our 341 meeting today. it went well. no creditors showed up. the trustee said it was a no asset case and there was no complaints about any debts. my question is - our discharge date is march 22, 2005. the creditors have up till then...
    6. K

      homestead exemption =any property

      What is the name of your state? south carolina we used our federal exemption list instead of state when we filed. it has a wild card of $925.00 of any property and up to $8725.00 of unused homestead exemtion, for any property. can we use the homestead exemption for any property since we have no...
    7. K

      loan dischargeable?

      What is the name of your state? south carolina we have our 341 meeting on friday am. i think a creditor may show up. we have a unsecured loan with a company. it was a fairly new loan. the company wants us to reafirm this loan but we do not want to. we had a prior loan with this company and we...
    8. K

      exemptions fed vs state

      What is the name of your state? south carolina in the state of south carolina we can use either the state or federal exemptions. under the state it does not have a wild card but under federal it has a wild card of $1850.00 exemption for any property plus it also has an exemption of up to...
    9. K

      exempt fed tax refund

      What is the name of your state? south carolina my husband and i have filed a ch7 pro se. we have gotten the paperwork together to amend schedule b and c to exempt our federal tax refund. on schedule b, i put it under line 17 and gave the particulars on it but under schedule c i can not find a...
    10. K

      statement of intentions

      What is the name of your state? south carolina in our original petition we had said that we wanted to reaffirm our vehicle. since then we have decided not to reaffirm it. do we have to do an amendment of the statement of intentions to let the court know we have changed our mind or just leave...
    11. K

      taxes and ch7

      What is the name of your state? south carolina my husband and i filed ch7. our creditors meeting is on the 21st of january. we have all our w2 to file our taxes. should we file and just hope that the trustee wont take the taxes. will we find out at our creditors meeting if the trustee is going...
    12. K

      dischargable debt.

      What is the name of your state? south carolina my husband and i have filed a chapter 7 bankruptcy. our creditors meeting is in a week. if a creditor was disputing a discharge on a debt would we have been notified already, or do they wait till the creditors meeting. also we have a payday loan...
    13. K

      reafirm debt- told we had to

      What is the name of your state? south carolina we have filed a chapter 7 bankruptcy and we have a loan that was fairly new. the company refinanced a previous loan and gave us 1483.00 on top of what we previously owed. we needed this money to be able to pay bills and make ends meet. this loan is...
    14. K

      exempt.- federal income taxes?

      What is the name of your state?south carolina my husband and i have filed a chapter 7 bankruptcy. is there a way where we can keep our 2004 tax refund. we havent filed our taxes yet. we didnt know if it would be better to wait till the bankrupcty is discharged or can we claim it under one of...
    15. K

      exempt propterty - fed taxes

      What is the name of your state? south carolina we have filed a ch7 bankruptcy and we are wanting to claim our estimated federal taxes for 2004 as exempt property. when filing a joint petition is our allowance doubled and what exemption law is that under and what is the amount that is actually...
    16. K

      warrants

      What is the name of your state? south carolina in the past i have had some dishonored checks. none of them were over 500.00. is there a way to find out if there is any warrants out for me. also i have filed a ch 7 bankruptcy and these items were included in the paperwork. if a stop payment has...
    17. K

      reaffirming debt

      What is the name of your state? south carolina this is a repeat question. i never recieved a reply. we have filed ch7 pro se. we wanted to reafirrm our new vehicle that we had gotten but the creditor says we cant because the loan is still too new. they said that because of the automatic stay...
    18. K

      creditor violating auto stay

      What is the name of your state? south carolina we have a creditor that has violated the automatic stay 2 times by contacting us. they contacted us 10 minutes after we had sent them conformation that we had filed and not to contact us. they have also sent us a certified letter saying that we...
    19. K

      reaffirming - creditor says we cant

      What is the name of your state? south carolina we filed ch7. we wanted to reaffirm a new loan we had gotten for a vehicle. we contacted the creditor and they said that since the loan is still too new they can not reaffirm it. if we continue to make payments and keep current with this loan we...
    20. K

      341 meeting

      What is the name of your state? south carolina My husband and i have filed ch7. we have our 341 meeting scheduled and we are a little nervous as to what happens during this meeting. we have to bring with us the last 3 year fed tax forms and copies of statement and cancelled checks for 90 days...

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