 Can someone explain credit card APR to me? |
| Looking to apply for a credit card but i'm confused by APR. What does it mean exactly. I know its a way of charging you for what you spend but how is it worked out.... |
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 What is the best way to establish credit when you have none? |
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 Bed credit rating? |
| i have defaulted on alot of credit in the past and entered a debt management scheme, i have now been paying my creditors for 3 years without any missed payments through the scheme, i will be finished ... |
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| I just recieved in the mail today by my employer that they have to garnish my wages. I guess a creditor got a judgement to garnish my wages. I recieved letters and a summons before by these ... |
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 Is my Credit Score good?? |
| I recently checked my credit score on Experian and it said that it is 722 on a scale of 501-990 and then I estimated my credit score on MyFICO and is says that my score ranges from 705-755. Are these ... |
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| Imake good money but always have had bad cridit I want to buy me a home this year.... |
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 BEST AnSWER GIVING 10 POINTS for the following question? |
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| I am is dieard need of a credit card and I need to know what is a good one for a student with no credit and no cosigner? thanks.... |
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 What can we do to protect ourselves if a relative decides to commit identity theft? |
| A relative came and stayed at our home for a few days. They had access to our home when we were at work and so they could have easily gotten all of our information. Now I find that they have stolen ... |
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 Couple of questions....? |
| I don't know anything about loans. All I know is my boyfriend has a ton of debt. All his loans, credit card bills and his truck plus my student loan comes to about 27,000 dollars... i'm ... |
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ambay | Florida bankruptcy law.....? |
Is there a minimum amount of debt owed in order to file a Chapter 7 in Florida? |
 |
 
OC1999
|
Being able to file is based on your ability to repay the debt, not the amount of debt. This is for all states and not just Florida. However, the government has made it harder to file for a Chapter 7 bankruptcy. You first have to pass 2 means tests. The first is if your income is more than the average for your state, for the number of people in your household. The second is if you have enough disposable income(as determined by the government) to pay at least $100 a month toward your debt over the next 3-5 years. If you fail on either of these you will probably be forced into a Chapter 13, which is a repayment plan.
Also, it will cost you between $1800 and $3000, depending on how complicated your case is, to even retain a lawyer and file for bankruptcy. So, if your debt is anywhere near there you will find it better to just deal with the debt rather than file for bankruptcy. If you are thinking about it still, you should consult a lawyer in your area. Most will give you a free, short consultation to tell you where you stand. |
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great_and_mighty_adam_levine
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Contact a bankruptcy lawyer - the initial consultation should be free.
The good news is that you picked the right state to go bankrupt in. There is a reason OJ moved to Florida. Florida lets you keep more of your assets, especially real estate, than any other state in the union.
-->Adam |
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SPIFIMAN1
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Bankruptcy laws are Federal not State. Type in Federal bankruptcy laws and you will find several sites that allow you to take a test to see if you qualify for chapter 7 bankruptcy or not. |
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Tomk
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Yes. You must meet a "means test" and a "totality of the circumstances test" before you can file. You need to visit a bankruptcy attorney. |
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david l
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i don't think so... but be careful before filing... can really be a big problem. |
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Deliah
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In actuality YOU, if you file BK, will qualify for a home loan much faster than someone who trys to pay off their debt instead of dumping it on the rest of us.
The pits ain't it! |
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Garden by M
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I don't think so, but if it's not that much DO NOT file, it would be stupid. ten yrs on your credit report and unable to buy a house or car at a decent interest rate. |
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