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    1. E

      Use of tax return

      What is the name of your state? ID Can I use my tax refund to pay my back mortgage payments and the attorney fees/filing fees? I would prefer to file a Ch 7, rather than a Ch 13, as the only thing I need to protect is my house. The bulk of the debts I am seeking relief from are medical...
    2. E

      Renting after bankruptcy

      What is the name of your state? WA After 5 years of putting my husband through college, he will soon be graduating. However, we have no choice but to file bankruptcy due to the pile of debt we accumulated over the years of having only 1 income, not to mention the anticipated student loan...
    3. E

      Mortgage after bankruptcy/foreclosure

      What is the name of your state? Idaho I have read that after a bankruptcy has been discharged it may be possible to obtain a mortage in as little as 2 years, however, if a foreclosure is part of that previous bankruptcy, does that effect the ability to obtain a mortgage? Is it all part of the...
    4. E

      Grain of salt with advice/"cat-fight"

      What is the name of your state? ID I posted a month or so ago regarding paycheck advance loan scams, i.e., writing a post-dated check with exorbitantly high interest. I took the advice and let's just say it didn't work out so great. I do appreciate the advice I received, but as they all state...
    5. E

      stop payment on check

      What is the name of your state? Idaho Just a quick follow up on the check advance/payday loan scam. What would happen if I stopped payment on this kind of check? I am going to file a Ch. 7, but need to wait until I can catch up my house payments and car payment using my tax refund, which...
    6. E

      payday loans

      What is the name of your state? Idaho One final (hopefully) question. What are the stipulations to including payday (check advance) loans on a Ch 7? Is there a waiting period like with credit cards before they can be included? I got caught up in this nightmare and can't seem to get past...
    7. E

      mortgage and bankruptcy

      What is the name of your state? Idaho I am 4 months behind and my lender has not officially started foreclosure proceedings but my circumstances are such that catching those 4 payments up seems impossible. I can make my monthly payments, just can't catch the others up. Would bankruptcy help...

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