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    1. L

      need help in writing an offer letter

      What is the name of your state?tx I included my vehicle loan on my ch7 and I did not reaffirm the loan. The case has been discharged. I need to send an offer letter to the company to either let me redeem the vehicle at its current market value OR increase the number of payments from current 24...
    2. L

      urgent! lender sold my auto loan account to another party

      What is the name of your state?tx My car was included on ch7 and it was discharged few months back. I have just received a notice from the original lender that they have sold my account to some other finance company. Do I need to worry about it? I did not re-affirm the loan and currently I am...
    3. L

      need help in negotiating to redeem the vehicle

      What is the name of your state?tx My auto loan was discharged in ch7 few months back and I did not reaffirm the loan. I have stopped paying monthly installments since last couple months. I want to redeem the vechicle at its current market value. What value should I consider when negotiating with...
    4. L

      can I apply for my 17 yr old sister with my mom?

      What is the name of your state?tx I am a US citizen and I have applied for my mother (I-130). Her case is in process and I want to know if I can also apply for my sister at the same time so she can also come with my mom. Is that possible? If not, what would be the best and fastest way to bring...
    5. L

      did not re-affirm vehcile loan, can I turn it over with minor body dents?

      What is the name of your state?tx I did not re-affirm the loan on my car and that car was included in ch7. My case has been discharged. I have few minor dents on my car and I am worried if I turn it over as it is, I might be held responsible for repair costs of those dents. Is that true or I am...
    6. L

      ch7 discharged two months ago, can I buy a home?

      What is the name of your state?tx I am in the market for a home. My ch7 was discharged few months back. What rate should I expect and is there any special program for bk filers from Governement or private institutions? thanks.
    7. L

      2nd party insurance company not responding

      What is the name of your state?tx. I had an accident and have filed a claim with second party's insurance company. I don't know if this is normal or the insurance company trying to evade. Its been two weeks and they have not contacted me. I have called them several times and always getting...
    8. L

      "No Credit Check' auto advertisements, is it true?

      What is the name of your state?tx I am in the market for a used car. I have ch7 on my file. I am seeing lot of ads from different dealers promising 'No Credit' checks. Is this really true? Do they really don't check the credit? any ideas? what is the best way to get the vehicle financed at low rate?
    9. L

      need to know the process of filing a claim

      What is the name of your state?tx I was hit by a vehicle from behind and my rear bumper needs to be replaced. The person has given me his insurance and now I need to know how to start the filing process and where to get the correct estimate on cost of replacement. I called my insurance company...
    10. L

      ch7 discharged, behind on car payment

      What is the name of your state?tx I included my vehicle on ch7 and did not reaffirm the loan. I am behind one payment and I am afraid my car will be repoed. Any idea how soon they repo the cars when they don't recive the payment on due date? If I make the payment couple weeks after the due date...
    11. L

      what is 'Certificate of Live Birth?

      What is the name of your state?tx I have filed I-130 for my mom and included my birth certificate with it. I recently recived a letter from USCIS asking me to send them 'Certificate of Live Birth'. I am little confused as to what is the difference between the certificate that I sent them and the...
    12. L

      ch7 discharged, one account shows as 'Charge Off' on my credit report,what should ido

      :confused: What is the name of your state? I was discharged of ch7 last month. I recently checked my credit report from one bureau and found one account being reported as charge off. How can I dispute this and what steps should I take? thanks
    13. L

      ch7 discharged, should I keep or return my new car?

      What is the name of your state?tx I bought a car just few months back and then filed ch7 and got discharged. I am paying about $500 a month including insurance towards car payments. I am thinking of two options: 1: Nicely leave my car at the dealer's lot and inform them about it in a registered...
    14. L

      using credit cards after discharge

      What is the name of your state?tx After ch7 is discharged, can I use credit cards that I did not include on my filing? One card is still open and is from one of creditors whose second card was listed on filing. I mean I had two cards from same creditor, I included one on Ch7 only and the one...
    15. L

      I-485 (from K3), do I need I-130 approval first?

      What is the name of your state?tx I am a US citizen and my spouse is here on a K3 visa. We filed I-485 several months ago and just recently USCIS sent us a letter about approval of our I-130. USCIS told us that we needed that approval to file I-485, but we already filed it without knowing that...
    16. L

      can a US citizen work in another country?

      What is the name of your state?tx Being a US citizen can someone work and live in another country and not affect her US Citizenship? I have heared that if a US citizen works for another country he/she may loose US citizenship. Second queston, can a US green card holder vote? I have heared from...
    17. L

      ch7 filed- Amexpress still not showing on my credit report

      What is the name of your state?tx I have filed ch7 and only couple weeks are left in the discharge date but I still don't see any entry from American Express credit card on my credit report. My credit report is showing all other accounts as closed and 'Included in Bankruptcy'. Any idea if this...
    18. L

      3 months training visa, can I extend or change status?

      What is the name of your state?Tx I have a friend who is here for training and has 2 months visa. Is there any way for him to change his visa status or legally do something to stay here beyond his visa expiration time?
    19. L

      should I reaffirm my Mitsubishi?

      What is the name of your state?tx If I don't reaffirm and keep my payments current, is there still a chance that lender can come and repo my car? If I don't reaffirm, the interest rate will stay same or lender can increase it?
    20. L

      how to patent an idea

      What is the name of your state?tx I have an idea to modify existing consumer product and give it a new shape with complete different fuctions and features. I don't want to deal with the private patent companies as they are scams as I have heared on radio and in the news. Is there a simple way to...

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