 How much credit card debt are you currently in? |
| While I would like to hear from everyone, I'd especially like to hear from Americans and Canadians. Thanks. I have heard averages from anywhere from $1000 to $8000. I'd like to get a sample ... |
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 Does any one wanna give me some money? |
| or tell me how to make money! im a uni student and i have 2 jobs, and my own house! i had no choice to get my own place becuase my "mother" kicked me out! i need more money and cant get no ... |
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 How should I eliminate my debt? I my wife and I have 3 credit cards that have very high intersted!? |
The interest rates and balances are as followed.
16% on 4,000 with a 5 thousand dollar limit. Minumum payment of $125
9% on 5,000 with a 5,500 limit. Minumum payment $150.
... |
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 I was given a cheque everything was filled in correctly exept it was not made payable to anyone now the chap? |
| who wrote the cheque to me said that it is ok for me to fill that part in myself,will the bank still accept the cheque or try and blame me for tampering it.... |
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 I just found alot of CASH ! What do I do? |
what would you do?
Additional Details
it was $9000... |
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 I paid my wife a large full and final settlement now my 20 yrs son wants £50 a wk at uni can I get it reduced |
| Whe I divoreced my Ex she got over £500k is assets the lot. My son has not spoken to me in 2 and a half years. NOw he is taking me to the high court for £50 a week I am willing to contribute to ... |
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 Your computer maybe affected, READ!!? |
| Need viagra? House insurance? Animal porn? Would you believe me if I told you I was a rich foreign person wishing to deposit money in America, needing someone to assist me for thousands of dollars? I... |
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| Should I leave my job? |
The company I work for owe me money.......about £450...and everytime I ask someone in the company where are my wages I keep getting fobbed off!
I think they're pulling a fast one..gits!
... |
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 I'm looking for a $25,000 unsecured loan for debt consolidation. EVERY PENNY of my pay goes to credit cards! |
| Seriously, EVERY PENNY goes towards bills...if I want to eat I have to charge it cuz there's no cash left. Looking for a way to pay one creditor, not a dozen. Need to free up some cash in case ... |
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 I don't have a checking account, where can I cash a personal check from another person? |
Additional Details
Well, I am asking for a friend who just moved and is trying to keep a low profile.........her mom sent her a check but she doesn't have a new account and is in a ... |
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| If you have $100K, what kind of investment would you do? |
| real estate? business, restaurant, gas-station? what is going to bring highest profit of $100K investment?... |
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 Will a forebearance on my student loan lower my credit score? |
| I am trying to buy a house and expect to close in 45 days. My money is tight due to down payment, closing costs, moving costs, etc. I am thinking of getting a forbearance on my student loan so I save ... |
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 Do you use online banking? |
Is YOUR bank's online system easy/comprehensive?
Is it easy to do payment/ direct debits, etc?
Would you recommend your bank, generally?
I am going to change my bank, after ... |
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 If you received one million dollars today, would you donate it or spend it all? |
| Out of curiosity, I always wondered if I would do this. If I received a large sum of money - would I keep some of it, or give it away? A friend once told me that the happiest lottery winners were the ... |
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 I have been unemployed for two months know. Bills are over due. I have no were to turn. Any suggestions? |
| My family can not help. My credit is in need of repair as it is poorly in shape. I am being sued and can not apply for loans.... |
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 If a couple has $10,000, should they...? |
Pay off some debt, like school loans and morgage?
Put it in savings, vacion, rainy day fund, retirement?
Put it into a child's school savings?
Invest in a new vehicle, if theirs ... |
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clairencechism | If i become bankrupt will i be able to keep my car, i have a disabled husband and son? |
i am close to bankruptcy, i am heavily pregnant and worried about losing my car, it was purchased through my husbands and sons disability money as we cannot do without one but as it is in my name and i am the only driver will i lose the car if i am made bankrupt, please can someone let me know if they know about this ,thanks |
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byebye
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as the car is a medical necessity they cannot take it off you,besides you dont own it,if you pay for it out of disability benefits its leased to you.try and get in touch with your creditors to arrange lower payments,good luck |
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renamed
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yes,you will be able to keep your car. tell your lawyer and he will arrange for you to keep it. you will still be expected to keep the payments on it. |
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ffperki
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some of the answers are from folks that have never been through a bankruptcy and are telling you what they believe to be correct. I have been through it and I will tell you we lost everything, but we walked away with out any debt. I will also tell you that different states have different laws about bankruptcy. Texas as an example is a common property state, but most states are not. There are a host of differences between their laws about bankruptcy. Some one has said that heir family member had done it and it was 7 years before the bankruptcy was removed for the credit report, that is old law, now it is 10 years. If you declare bankruptcy would you lose your car, was the question and the answer is yes. You can however tell your lawyer that you would like to make an exception and not declare against the financier that is carrying the note on the car. You will be required to continue to make your payments on the car. Be very mindful that you do not have a second note with the same people or bank with them. You go to your local credit union and borrow the money for the car, but you have also gone to them and borrowed money to do upgrades in the bathroom to accommodate your husband and son. So now you owe them for the car and the upgrades. If you set the car aside theywill also bring along the upgrades and you will end up paying for both. When you speak with your lawyer about doing the bankruptcy, I suggest that you have a second person, like your husband if he is able and that way botrh you and they can ask questions and two mind to remember are much better than one. I also suggestthat you take a pad of paper ad write down as much stuff as you can so that you will be fully informed. The last thing that I am going to tell you is that when we went bankrupt, we lost the car at 11:00 AM and by 3:00 PM we were driving home in our new used car. Purchased after the bankruptcy. There are a number car dealers (used ) that will sell you a car even though you filed bankruptcy as in an odd way your credit just improved, you can not file again right away. |
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mayfairlady
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Sorry but you are not allowed to keep any ASSETS (of which the car is one) in your name if you are declared Bankrupt. I would advise you enter into a Individual Voluntary Agreement with your creditors & also see about getting the car transferred into you husband or son's name, the fact that they dont drive wont matter. The vehicle can be in their name even though you are the only driver in the household. Entering into a IVA may prevent the car being taken from you. Also contact/visit your local Citizens Advice or seek Legal advice. |
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mskash
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you would need to check your states bankruptcy statutes, there are different rules regarding the things you can keep after a bankruptcy |
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DJJD
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You need to prove that without it, you will suffer extreme hardship. I have no doubt that this is the case, but the recievers are a tough lot. Dont try and sell the car, because it will be seen as disposing of assetts which is illegal. You may qualify for help from community legal services(CLS) , if you are on benefits. Give your local CAB a call for advice. |
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♥Loopy Lass™♥
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Are you in the UK? If so, go to your local citizens advice bureau (http://www.yell.com will give you your local branch... opening days and times vary as they're run by volunteers...)
They will be able to help you with all questions like whether your car will be repossessed to how to make alternate arrangements if you DO lose your car.... tell them the nature of the disabilities and the factors behind your bankrupcy.
Don't feel embarassed to tell them these things, that is what they are there for.
Good luck :-) |
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cissie s
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Hi there,
As the car is essential to you they will not take the car - the following is from the CCCS site ... (i provided a direct link for you as well) see first link
Will they take everything I have?
No. In most instances your household goods will not be taken. Exceptions would be antiques, for example, an antique table and chairs could be sold and you would be given money to buy more basic replacements. If you own a car, the Official Receiver will take into account its value and whether it is essential to you before deciding whether to remove or sell it. The tools of your trade are normally exempt.
If you have any questions please call them they are a "charitity" and the help they offer is FREE unlike some of the debt help sites where they say they are free and then they charge you.
A friend of mine used this site before filing bankruptcy and also used their services they were a great help to her and her husband (she is disabled) they still have their car as it was essential for them to have.
I hope this helps ease your mind a little, and as I have said if you call them they will help answer all your questions - you can also email them :-) |
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ALLEN B
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No, if it was bought via DLA it shouldn't be a problem, unless you took a different route and bought it privately by borrowing their DLA and paying up front.
In which case you could not prove where the money came from. So hopefully the money came directly out of the money via the mobility scheme, in which case you are covered. |
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pollywallydoodle
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The Or will not take your car if it is necessary but if you own it and it has more value than £3000 , though this can vary, then it will be sold and you will be given the money to replace with a lower value vehicle, property will be taken and all accounts frozen you will be given a reasonable living allowance better than in an iva, they will allow for holiday etc, an iva basic living. It will cost £485 to file but you must have sought professional advice first , either try CAB or cccs. They can help with all the options and confirm any worrys you maty have. |
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george_graham_crayford
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no |
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Buckley123
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I'm looking to buy my girlfriend a brand new car for passing her test - she needs it for work & our 2 young children but there maybe a chance later this year i may end up defaulting on a mortgage for a flat I rent out - if I can't sell it! Please advise where I stand legally? Will she lose the car because I bought it as a gift? |
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