I am going to be taking the Basic Law Enforcement Training program this year. I should be done in December, so hopefully I’ll be finding a job around early January.

Anyway, I currently have bad credit. 545 score to be exact. I have heard it’s very difficult to become an officer with bad credit so I am seriously considering filing bankruptcy. I have heard it takes around 6 months and your credit will be as good as new and thus, hopefully I would be able to get a job as a police officer.

So, does anyone know if this is the best way to go about it?

Thank you for any information.

I tend to vote republican, but the congress right now is spineless and constantly supports every stupid decision that Bush makes. Not to mention that they won’t impeach him, the passed that horrible Patriot act law, and are constantly hurting consumers with National ID legislation and tougher bankruptcy laws.

someone told me that the laws changed. i’m 26 yrs. old and i have about $18,000. should i try for bankruptcy if its not too late, or pay for my cards my whole life?

court batte for violation of BP 22 bouncing check law filed by his supplier, he doesn’t have enough money to pay his debt but willing to settle it in due time. Is he gonna put in jail for it?

I reside in Ohio and I have read over the new law and I am confused– under limitation on luxury good sec 310 it says “cash advances aggregating more than $750.00 that are extensions of consumer credit under an open end credit plan obtained by an individual debtor on or within 70 days before the order of relief under this title, are presumed to be nondischargeable” . I took the loan on August 9th and I plan to file October 4th to avoid a court date October 5th. which will be within 70 days.

This is NOT an open end credit plan so does anyone know if it can be dischargedl? If it can’t does anyone know if I will be forced to pay it back all at once or can I make payments?

THANKS!!!!!!!!!!!!!!!

She has alzheimers and she has not been thinking clearly. She trusted her son to run her finances and in return, when she bought a home she put him on the note. Now, my wife and I come back from out of state to find that my mother in law is in so much debt she was not able to afford to eat and has to file bankruptcy. We are staying with her and of course, her lazy son lays around and does nothing but eat and sleep. I am the only one with a job. My mother in law gave her daughter(my wife) power of attorney. My brother in law has it good now, enjoying the gravy train. But this is fixing to stop since I found a place to live with my wife and her mother. My question is her mother still wants to pay all of her son’s bills. His car note.She still wants to make the house payment even though it will not be hers anymore. She does not want her son to lose the home. She expects me to send her son grocery money. I do not want to upset her because I know she is ill. How do I handle this
I have to add on because there is not enough room. My mother in law has been paying HIS car note, the house note, a ten thousand dollar note he borrowed and had her co sign. She did not see any of this money. She pays his computer bill. She has been paying ALL the utilities and his car insurance. She is on a fixed income and until we came back and found out she was not even eating right, she ate very little to be able to do all of this! He has run up every credit card by taking her with him when he wanted something and has not even offered to help her around the house. She gets mad at my daughter for asking him to help. But she has Alzheimer’s so she does not think clearly. My wife wants to care for her mother and we are taking her to live with us.
The home cannot be sold because it is in his name also and he refuses to sell it to pay her bills. The lawyer said she can file on it and he will be forced to pay for it or it will go back to the bank. This is the only way we can free up her income to help with her care!

I filed for chapter 7 bankruptcy in 10/05. I was discharged in 03/06. I filed under the old bankruptcy laws. Well apperentely my attourney who is no longer practicing law never had me fill out the redemption paperwork to keep my home. I have never missed a payment even during the bankruptcy with all good intentions to keep my home. Well last month I went to get qualified for a new home and sell the current home. I found out that Wells Fargo was not reporting to my credit bearau!!! NIGHTMARE!! Because they are not reporting I do not have the credit to buy a new home. I called Wells Fargo and they will not help me they said all I can do is refinance to get the home back in my name. I now am so frustrated I just want to give it back and go on. Can I legally do that since I did not redeem the residence during my bankruptcy?
I am in Dallas, Tx.
The mortgage shows as discharged through bankruptcy on my credit.

They may seem like a dumb question to some of you but, How can people like Wayne Newton or Trump be able to file bank bankruptcy and keep so much. Aren’t the laws suppose to be the same, on what you can keep for exempt property for them as anyone else? How can they keep that much personal property ? etc.

First, the basics: I got married in Alabama, and now live in Georgia. I have been married for 4 years, and separated for two of those awful years. One year after we separated, I filed chapter 7 bankruptcy, which has recently been discharged. We are in the process of drawing up divorce papers, however, my soon to be Ex claims that because I did not include himself as one of my creditors in my bankruptcy, that he could try to collect the debt that we have accumulated together over the years, which he now is solely responsible for. Is it true that, even though I filed bankruptcy, that I still owe him for half of our bills, or is he trying to trick me???

What’s the best way to help them but not be stupid about it?

They are 50 and 60 years old. Father in law is out of a job but is searching. Mother in law is a manicurist who makes a minimal amount of money.

We want to help them but it is hard because they make poor financial decisions. They filed bankruptcy recently. Mother in law is very materialistic and has to have the finer things.

My husband’s other siblings will be helping as well but they also make poor financial decisions. We’re the only ones who live within our means. His family is from a different culture. They tend to be secretive about things and not acknowledge familial problems. We’ll probably be expected by his oldest sibling to give money with no questions asked, no strings attatched. One of the siblings allowed them to open a credit card in her name. This is something we will not do but will get made to feel guilty about it. How can we help them in a smart way and not be made to feel guilty by his siblings?
Their mortgage will be paid off soon. They need help with a car note and possible other bills. We thought about direct paying a bill for them. We are just tired of being expected to help out but nobody wants to acknowledge that they don’t live within their means