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      Cleaning up Credit after Ch. 7

      What is the name of your state? TX We filed a Chapter 7 bankruptcy September 23, 2005 and were discharged January 3, 2006. We are trying to "clea up" our credit report as much as possible. I am n oticing that several creditors are reporting us delinquent whether it be 30, 60, or 90 days from...
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      Mortgage after Bankruptcy

      What is the name of your state? TX We filed Ch 7. in September 2005 and discharged in Jan of 2006. We have found a home that we are interested in possibly purchasing. Is it too soon after bankruptcy for us to try for a mortgage loan? Can anyone recommend a lender who might could help us...
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      Income Tax Refunds

      What is the name of your state? TX This is another question about tax refunds. Each year we receive near 4,000. The trustee did not mention anything about our refund we would be receiving for this year and we did not receive anything stating that he wanted it. My case was discharged and...
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      Tax Refund

      State of Texas Okay, now I am a little confused with the talk about tax refunds. We have always received around $4000 back from our income taxes. Nothing was ever mentioned about it int he 341 meeting and we never received anything stating that the trustee wanted it. Our case was discharged and...
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      Help-Bankruptcy and Income Tax

      Okay, I called the IRS today with a simple question and I ended up being told all kinds of things that are really disturbing me. The woman I spoke with told me that all of the debt that was discharged in my bankruptcy (which happened this month) is considered income and that the credit card...
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      Question

      What is the name of your state? TX I am curious....I posted a question a while back about obtaining a 30 day loan from my local bank to purchase my school books as I wait for my financial aid to come in. I was under the impression that my discharge was going to be Jan 3, however, I have found...
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      Questions about after discharge

      What is the name of your state? TX I would like to know...is there any type of "waiting period" for obtaining credit once a bankruptcy is discharged? My discharge is set for tomorrow and my vehicle is falling apart. I am considering trading it in and getting something different, but I need...
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      Question

      What is the name of your state? TX I filed Ch. 7 under the old laws and have a discharge date set for 1/3/06. I am a graduate student and I receive financial aid each semester, but by the time it gets to me, the semester has already begun and I need my books for that first week. I have always...
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      Car Question

      What is the name of your state? TX Here's my situation-we filed Ch. 7 under the old laws and are reaffirming both vehicles (both have a lein against them) and we have little to no equity in either of them. One of vehicles is now giving us problems and we are being told that it is not worth...
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      Income Question

      What is the name of your state? Texas Can I change my current tax withholdings after I have filed for bankruptcy? Is that considered a change of income since I would actually bring more home?

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