Credit card debt consolidation with the help of an accountant or a debt consolidation service and careful management of income can be helpful steps in reducing your credit card debt without declaring bankruptcy.
Declaring bankruptcy prevents you from using credit cards, obtaining credit over $500 without contacting the creditor, and making payments directly to your creditor. Declaring bankruptcy is a very serious matter and is one you shouldn't choose to do without a lot of consultation on your financial providers part.
You should have no problems getting any type of utility in your name. Just call and sign up. Be prepared for security deposits though. (Which is not because of the bankruptcy) The easiest thing to do is get pay as you go or prepaid phone service. Often times you can do this with both cell phones and with VOIP phone service. Then you can have the service without paying huge deposits.
you still have to pay back all debts, just on a stuctured settlement determined by the courts. after declaring bankruptcy, you will not be allowed to have any credit extended to you without permission of the court. if you include your house or any vehicles, you cannot sell them without permission. what it amounts to is the bankruptcy court is in charge of your finances other than monthly utilities. it all depends on which chapter you file-consult an attorney
how do you file bankruptcy in Florida without a lawyer
Yes you can file for bankruptcy if you are unemployed.
Declaring bankruptcy does not allow you to go out and spend money without having to pay it back. Yes, the debt is not covered by the Chapter 13 filing, so they can do what they can to collect the new debt.
Yes. Many personal assets are protected in a bankruptcy.
No property can be sold, transferred, refinanced, etc. while in bankruptcy without the permission of the bankruptcy court.
You can only file bankruptcy without a spouse in cases where the debt is yours only. For example, if you have a credit card that is in your name only then you can file without your husband.
Yes, you can divorce while in bankruptcy. Bankruptcy has no effect on whether you can divorce or not. While divorce and bankruptcy can occur simultaneously, it can end up delaying the bankruptcy process. Ultimately the proceedings can continue and the parties can divorce without issue. I've written more about this here: http://www.freshstartlaw.com/know-about-bankruptcy/
Bill of Attainder
Declaring your faith means to avow your belief in certain tenets and to emulate those teachings as best you can. One can be a follower of a certain religion without actually ever declaring faith in its teachings or trying to "teach what you preach" by "living the life."
By listing the creditor on the bankruptcy schedules.
You will have to satisfy your creditors without the protection of the court.
Absolutely. Happens all the time.
Yes, but if the debtor ever used a phony social security, some districts will NOT allow the person to file a bankruptcy.
What kind of bankruptcy? 7? 13? If your bankruptcy case is still open, you cannot sell without notice to the trustee and a motion to sell. If you exempted the car, the proceeds may not be exempt. Check with your lawyer or a bankruptcy lawyer in your state.
Bankruptcy without money or a lawyer is possible. I think you should need a financial advisor first to consult a financial advisors ifyou can decide if bankruptcy is right for your situation. I found one here who are experts about that freshstartsolutions.com.au/bankruptcy/
The obligation is that the loan is now the liability of the co-signer who did NOT file bankruptcy. Your rights are the same as any debtor. You can pay the loan, or default. Declaring bankruptcy yourself is an option also. For those reading along...this is why lenders want a co signer before lending to people they don't think can/will pay off their promises. They've seen it before. So when/if the primary can't/doesn't pay, someone else will. This lender, unlike others who will get nothing by the primary declaring bankruptcy, will more than likely get his debt paid by - or the assets of the cosigner to do so. Funny, the deadbeat will now get away without paying the promises to this lender, other lenders and wanna bet, never repay the cosigner, ever, too!
To know which of the strategies and interventions would be useful it would be helpful to know what the strategies are. Without knowing this it is hard to say which one would be the most useful.
It's criminally illegal to bounce checks. Many people go to jail for this...with our without the bankruptcy.
Taxation without representation