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    1. S

      Reopen to take back reaffirmation?

      What is the name of your state (only U.S. law)? MI I filed chapter 7 in March 2007. I had an old beater van that I had a personal loan on. I owed something like $8000 but the van was not even worth $1000. I filed without a lawyer which looking back I wish I wouldn't have because I made a few...
    2. S

      What happens with the estate

      What is the name of your state? MI My grandma passed away in February. Everything was left to her children (my mom and aunt) in the will. My grandma had just purchased a house 4 years ago and the mortgage company made her get PMI. She was 68 at the time. Shortly after moving in the plumbing...
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      Bought a house and old owners left stuff

      What is the name of your state? MI We just purchased a home. When we signed the purchase agreement we were told we get immediate occupancy. When it was time to move the closets and basement were full of stuff. Some things contained other peoples personal information in a filing cabinet. They...
    4. S

      If ex is in jail or prison

      What is the name of your state? MI My ex husband has been dodging the system for 12 years. Every time he gets a job and the FOC catches up with him he quits in a hurry so they don't take his money but then, of course, he is broke. He has managed to find a few "under the table" jobs in the last...
    5. S

      Grandmother's debts

      What is the name of your state? MI My mom asked me to post this as she just lost her mom and on top of the grief of the loss now she's worried about debts. My grandma passed away on Valentine's day and in her will everything is to be divided equally between my mom and aunt. She just obtained...
    6. S

      Closed or Discharged?

      What is the name of your state? MI I filed Chapter 7 (pro se) in March 2007. I thought I had a little more time and missed the time limit for getting my second part of the credit counseling course turned in so I get a letter in June saying my case was closed without discharge. I have been...
    7. S

      Landlord filed bankruptcy?

      What is the name of your state? MI Long story short... My landlord is my ex father in law. When my ex and I divorced I kept the house. We got married young and could not get a loan due to lack of credit so ex father in law did. I've been divorced 11 years and have been paying ex fil rent...
    8. S

      Divorce/Child Support and taxes?

      What is the name of your state? MI I got divorced in 1997 due to my ex cheating and at the time I didn't have much money so my ex husband filed. I didn't get a lawyer which I regret to this day because his lawyer set up the divorce decree so he would pay child support. I thought all was good...
    9. S

      A ?? about taxes?

      What is the name of your state? MI I am in currently trying to reopen my chapter 7 case because I didn't do the 2nd part of the credit class on time but if I do get my discharge I was wondering if I'd lost my tax refund next year? I didn't get an attorney so I was hoping you might help me. I...
    10. S

      Never got my last paycheck

      What is the name of your state? MI Hello, I worked for a small photography company until June 5. I was supposed to work on June 9 but my engine blew up in my van so I called in. It was a seasonal job (sports photography for schools) and my last day was supposed to be June 8 then I was to be...
    11. S

      Help!! Case closed need to reopen!

      What is the name of your state? <Michigan I filed Chapter 7 back in March. I didn't get a lawyer and I filed on my own. Last month I got a letter saying my case was closed because I failed to complete the 2nd part of my credit counseling course. I thought I had a little longer but I was wrong...
    12. S

      Did I mess up??

      What is the name of your state? MI I filed chapter 7 on March 19 and had my meeting of creditors on May 10. I did it on my own with no lawyer so I had no advice. I though from researching the internet that I had 6 months after filing to do the follow up class. I did the first one before I...
    13. S

      Liens on personal loan or reaffirming?

      What is the name of your state? Michigan Hello, I filed bankruptcy on March 19. My meeting of creditors is on April 19. One of my creditors was for a personal loan. They have a lien on my van and even though the van is worth only about $500 the loan is for over $8000. I have been paying $300...

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