Aeg bankruptcy chapter debt

I plan to apply to medical school in 2025, and I am currently in the process of entering escrow to purchase a home under my name. My father passed away last year, and my mother might need to file for bankruptcy due to the debts he owned. By the time I apply to medical school, I may or may not own the home, as we might change the name of the property and the loan to my mother's name. Will I still qualify for need-based aid even though I owned the house on the record?

I’m recently divorced and my credit report shows it. I went from a 775 to a 605 with no late payments. I am overextended!
Right now I’m paying $1650 a month rent and it’s bothering me badly! I’m looking at homes to purchase in the 175-200k range. Unfortunately, I don’t think I will get a lender to approve me. I’m making monthly payments, but that’s all. I’ve about 80k in unsecured debt. I make to much money for Chapter 7, so I would need to go 13. I’m terrified of the “debt relief” scams all over! Are there any options so I can have some equity?

Negotiating Severance NY State
My employer has recently restructured my team and I now have a new boss. I am concerned that I might also be let go and have taken steps to protect myself.
Without giving too much information, I work for a firm that supports the restructuring of companies who have declared bankruptcy. During the corporate reorganization process, the firm must work through a judge to resolve the companies debts. In order to be granted a position as a financial advisor, the firm must declare all conflicts of interest. My firm has a lackadaisical compliance team and this task has fallen in my lap a couple of times. I have shared that I do not feel comfortable performing these conflict checks due to the absence of proper customer databases, nonetheless my firm has declared conflicts in an inaccurate way to a US court. There is a large financial penalty for performing inaccurate conflict checks in these types of cases which is why I was historically concerned and always raised this concern to my manager.
Now that I feel my role is in jeopardy, I’ve realized that this information might pose a problem for my company should it become known. If I’m laid off and there is a severance discussion, how do I go about playing this hand without coming off as blackmailing the company. I have email documentation and voice recordings corroborating my claim of inaccurate conflict checks for reference.
Thank you for any advice in advance. I appreciate any suggestions on terms of severance (duration, benefits, etc.)

I have a friend who has lived at his current residence for the last 45 years. In 2016, before his mother passed away, his sister convinced her to add her name to his property and in the process his mother combined the 3 lots into one. Fast forward to today, his sister has now filed chapter 13 bankruptcy and we fear he his in danger of losing his property. What is his best course of action to protect his property and not have to sell it due to her bankruptcy? I should note that he doesn't have a lot of money and buying her out isn't a feasible option due to being disabled and on a fixed income.

I have had people telling me to go bankrupt for about half a year now and have been looking into it. I work multiple jobs but was practically unemployed for a year or so before I got my current position and stupidly put my expenses that I couldn't afford (flights for funerals, a moving van to move across the country, rent, etc.) on my credit cards thinking I would land something eventually. I have a phd and came really close to getting some super high-paying jobs (a couple final rounds for 100k+ positions) but infuriatingly just couldn't land anything. Until I got a couple low-paying jobs (a teaching position, a retail position) and just worked my ass off to pay the bills.
Per a lot of people's advice I ended up ceasing my credit card payments a month ago so I am going on month 2 being late. My plan was to meet with a bankruptcy attorney a couple weeks ago and get my bearing on next steps. I had to postpone my meeting because my cousin passed away so I went to her funeral, and then finally discussed with an attorney when I returned.
The thing is, I was also interviewing for a new position during this time and FINALLY, after like three years, got an offer for a decent industry position. It doesn't pay a ton of money, and not enough to cover my monthly credit card debts, but enough to give me a little more work-life balance and still have a studio apartment and afford my food. Obviously I accepted it.
Because it is in a new state, the bankruptcy attorney that I met with told me to wait to file until I am in my new state. He said my salary will still be under the median average income in my new state, which means I will be eligible for chapter 7, but he said I need to establish residency for 3 months before I can file there. He told me to stop paying my credit cards, to not take on any side gigs, and to just meet with an attorney there when I am close to reaching 3 months in my new apartment.
The thought of not paying my credit cards for half a year before I file is really making me nervous. Is it really okay? I am getting so many phone calls all the time after just a month and know they will only get more aggressive, especially once I default and it goes into collections. I am also really nervous about them calling my friends, family and employers. The thought of my new bosses getting a ton of calls all of a sudden about my credit card debt is making me feel pretty uncomfortable, and my parents are really struggling with the thought of me going bankrupt, so I am going to have to deal with their anxiety, as well.
Would it be worth it to try to pay my minimum balance like one more time just to keep things from snowballing out of control? Should I tell my employers about my situation? Is there anything else I should be aware of or thinking about as I make this move and try to figure everything out?
I am also getting emails from a couple credit card companies saying that I can enroll in some sort 'financial difficulty' program, but I am not sure if I should pursue this route if I am planning on going bankrupt anyway, as it feels dishonest.
I don't know, I'm a little bit of a mess and would just appreciate any thoughts or advice that you might be able to offer. Thanks so much y'all.

I have a friend who has lived at his current residence for the last 45 years. In 2016, before his mother passed away, his sister convinced her to add her name to his property and in the process his mother combined the 3 lots into one. Fast forward to today, his sister has now filed chapter 13 bankruptcy and we fear he his in danger of losing his property. What is his best course of action to protect his property and not have to sell it due to her bankruptcy? I should note that he doesn't have a lot of money and buying her out isn't a feasible option due to being disabled and on a fixed income.

I'm 25k in personal loans and 15k in credit card debt. I lost my job and had to take extraordinary measures now I would need to make an amount of money per year that is impossible to keep up with payments. All of these accounts have been closed within the past month due to non payment and im assuming I'll start getting collection letters soon. Suggestions?

Context: I’m 24, currently unemployed for the past two months (actively searching for work and working with job developers), no assets and have close to 65k in debt but 25k is OSAP which I’m not worried about because they’re on pause and have no interest
Of the remaining 40k, 30k is from my student line of credit that just recently got converted into a loan. The rest credit card debt (8.7k) from three different cards, one is 6.6k the two are about 1k each
The vast majority of my debt is from funding myself through school. I worked and received OSAP but still needed the line of credit since those weren’t enough for rent and groceries.
My credit score was always excellent up until two years ago where the credit card debt started building. My cat got very sick and long story short i maxed out my 7k credit card on him (worth it, he’s healthy and happy now) and that’s where all the cc debt comes from. I’ve always made my monthly payments that are over $300 on that one cc alone but it all just goes to interest so the principal hasn’t come down much, same with all my other debts
I pay roughly $750 towards debts a month. I just can’t afford that + rent + groceries + other essentials like bus pass, phone bill and medications etc. I quit my low paying job because of an extremely toxic environment and never thought it would take me months to find literally any min wage job especially since I have a degree + leadership experience on my resume.
I’ve only made it this far without working because of what I got back from my tax refund but I have literally no more money left to pay all my debts and am considering filing for bankruptcy (I have an appointment with an LIT to seek professional advice)

I’m 30 years old with married with 2 kids. My wife is a stay at home mom so I’m the only bread winner. I currently make around $90k in the Dallas Fort Worth area. I currently have $19k in consolidation loans, $37k in credit card debt which is currently being managed by American Credit Counseling. I also have around $44k in student loan debt, all of which is through the government. The way things are sitting now, I am able to make all my payments, my wife an I have done a lot better with our budget since enrolling with American Credit Counseling, but we are one emergency away from having it run off the tracks. We own both of our cars out right, both cars are worth less than $6k each. We just resigned the lease to our house for 18 months. Part of me wants to just keep paying off the debts, especially since they have all been re-negotiated and have extremely low interest rates, a few are even at 0%. It will take around 63 months to pay off all of our consumer debts, but that leaving no cushion. The other part of me just wants to file bankruptcy, learn from my past mistakes and start over fresh. It would be nice to finally start saving for retirement, and have some savings for things like car troubles. I’ve been afraid to post this question because I’m honestly ashamed at how bad the debt became.
Edit: I forgot to add I’ve spoken to an attorney,they said I qualify based on my income and debt and they made bankruptcy sound amazing, almost to amazing.

29(m) with about 14k in debt. Seasonal worker (pesticide technician). Made alot of bad mistakes in my 20s. Credit sucks. Have been starting to invest and been reading up alot on everything then all of a sudden, i get hit with a 9.5k collection that can not be paid even if i wanted to. I've been stressing alot, I'm smart enough to know the credit is already shot again. As I'm fixing everything of course. I spoke with a Bankruptcy attorney and he told me paying him $1.8k to rid of my 14k is probably my best bet. My dad is against it saying it'll run my CR and housing/car prospects for years. The attorney also made it seem like if i choose him it's basically guaranteed to be approved.
My question is, should I do this? Is it hard to be approved? Will it ruin me?

Hi Bankruptcy,
I currently live in California, and I was wondering what would be my best option between declaring bankruptcy and debt relief.
In summary, I have been scammed by Sochi, a masseuse school (I am only including it so you can be aware of their fraudulent behaviour). They created a fake high school diploma for me in order to reap the rewards of having access to a government loan, which cost me roughly 16K.
Additionally, I have also been in a car accident a few years ago. I am not certain of the nature of the accident, as in, I am not certain if it was officially declared criminal. In short, the other vehicle swerved purposefully in our lane and front ended us, and I was not the driver, so I definitely was not considered at fault. However, the accident caused me to be hospitalized for a total of 6 to 8 months. I was insured at the time, but due to the Californian law protecting the hospital from disclosing what can and cannot be covered by my insurance, I ended up with a bill totalling over 100K.
And finally, I have three small debts of roughly 3K total with different banks. Tl;dr: I wasn't able to pay them back because I was in the hospital.
Overall, I am thus looking at a crippling debt of 120K give or take.
Here is where I really need advice:
1) My current plans involve moving to another country to make a life with my partner. 2) If I get married to my partner, would my debt impact them as well, even though it would be in another country? And if so, how would it impact them? 3) Due to wanting to be there sooner rather than later, I have about a year and a half to clear my current debt situation. 4) I currently do not own a house or a car, and I have no dependants. 5) My credit score is currently completed ruined.
I am leaning strongly towards the bankruptcy route due to not owning any valuable assets, so my main questions specifically tied to bankruptcy are:
6) What kind of chapter would I have to sign for? 7) Does anyone know a good lawyer they could recommend in the Los Angeles county? 8) How much would it realistically cost me in court / lawyer fees? 9) How long does the process take, i.e. could it be resolved within a year's time?
I am still open to the idea of taking the debt relief option, but none of my current plans require for me to have credit. I am nowhere near having a down payment for a house, so I don't plan on acquiring a mortgage in the coming decade, and I could technically buy a used car with cash.
Thank you in advance for the help, I'm currently at a loss as to what should be my next step in this.

Long story short, life got in the way and I found myself unemployed (film industry is terrible at the moment) and have racked up about $20,000 in credit card debt across three cards as well as a personal loan from a stupid financial decision a few years back with about $13,000 left.
My monthly payments total about $1500 and I’m absolutely drowning. I’ve been trying to pick up a part-time job, but being in college makes it super difficult to find a regular part time that makes enough to cover my payments on top of my already meager living expenses.
I’ve been considering options like reaching out to a debt relief company or even bankruptcy, but would like some advice on what to do first. Please help me :(

A friend filed for chapter 7 and had her debt discharged last year, mainly due to gambling debt. Now she is trying to get back on her feet and applying for jobs. She is fully aware that most employers will conduct a background and credit check before clearing a candidate for employment.
How should she explain the bankruptcy to the employer? Many forums advise being upfront about it and briefly explain the reason why there were financial difficulties - the problem is that they all benignly assume that the leading causes are medical debt or divorce.
What would you do if you are in her shoes? Do you be truthful and risk never finding a job, or do you lie about the circumstances so you can get your career back on track?

There is so much focus on the houses.
Dan has nearly lost the main house so many times throughout The Conners. Now, with the fire benefits, it’s the perfect time to have him lose it.
Given the kids have their own, the main house may burn down due to old electric, which represents the struggle he’s always had — when he gets a little ahead, he gets knocked down again.
But this time, he’s finally free.
No house or debt weighing him down. Kids are mostly secure. So he can get that boat (remember he was building one on the first season of Roseanne?) and he and Louise can hit the road on the bike/RV, etc.
A symbolic and literal end to the show. A chapter fully closing.
What do you think?

I’m looking to file bankruptcy (chapter 7) either by the end of this month or next. I unfortunately had to use my credit card for an emergency situation for about $1,500. I’ve already paid back over a little over $500 so it has less than $1000 owed now. I also affirmed a few things last month before thinking about filing. Can I still file or do I have to wait 90 days?

Long story short I’m close to $200k in credit card and personal loan debts. I bring home $10450 monthly with my job and veteran disability.
I will probably need to do a chapter 13 because I did the means test online and I don’t qualify for a chapter 7 with my job income. I had a business that failed and I used my personal credit to fund it. I’ve been robbing Peter to pay Paul for a while. So currently I’m not behind on any payments, but I just can’t keep up with them anymore. One of the methods I was using PayPal myself from a credit card with the available balance so I could pay another credit card. But all my cards are maxed out at this point. After reading some, I didn’t even know I wasn’t supposed to be doing that.
There’s a couple things I’m wondering with a chapter 13.
Will I be able to keep my Home and car? Since I’m not behind any payments, do I need to just stop paying? How many months does the courts look at bank statements?
I did reach out to credit counseling and they referred me to bankruptcy. For a while, I knew this was the route I needed to go. I just was scared. Have a meeting with the lawyer this week. I probably need to consult with more than one lawyer.

Hello… My lawyer currently has me blocked so I am not able to get the answer from him or anyone at the law firm.
I filed chapter 13 and my meeting of creditors was at the end of March.
My confirmation was set for April 2. For unknown reasons, it was moved to May 2. And has now been moved to June 13th.
In March I let My lawyer know that my vehicle, which we were keeping outside the BK, had mechanical issues making it inoperable.
He was to include this information at the confirmation so that I can secure new debt for a car loan.
It has been military silence from that law firm about why confirmation is being continued.
What reasons would confirmation need to be continued? No creditor has objected to anything.

Im 50 years old. My debt is growing. I’m now late on all my credit cards and bills. I have zero money. Credit cards are maxed over $20,000, bank accounts are zero and I have no incoming money until I start hustling again. I am not the same person as I was. I’ve been sick for a while, but this time around I just can’t multitask physically or mentally like before. I am self employed. I didn’t work for 8 days due to illness. I’m usually able to pull myself together and make some money to make ends meet. But this time, my body just would not let me this time. I’m falling behind in debt. I can’t shuffle money and credit to get through this month this time. It even came to the point of taking out advance payday loans to pay my car payment and rent. I’m now struggling to pay my priority bills.
I have options. I looked into 3.
I can call all my credit cards and ask for a financial hardship program. I did call some and they offered a lower interest rate. They offered a lower monthly payment and closure of my cards. If all of them do this, I might be able to cover the monthly for each card. I won’t have anymore active credit cards and will live off of cash. I believe my credit score will sink.
I also called a non profit debt management. Green Path Financial Wellness. They will call all my credit cards too. They will negotiate a low interest rate and lower payment. They gave me an estimate. It looks like I’ll pay them $600 a month payment and they will pay each card for me. I will also pay a one time $85 fee and $28 a month for their service. My cards will be closed and it will take 2-3 years to pay off. If I can work hard I think this is doable.
Other option chapter 7 bankruptcy. All CC debt gone. Clean slate. But 10 years BK on record.
Any advice on what to do? Best option. If anyone did the financial hardship programs on their own or used Green Path Financial Wellness debt management please share your experience. Or filed bankruptcy.

My wife and I recently moved in with a family member that has been needing help because of declining health. They have received social security disability, but because of some clerical errors are still waiting on medicaid.
Just last week our family member ended up in the hospital still with no insurance and has been in the hospital and no one is sure if he'll come out.
We were asked to move in to help because they knew their health was getting worse and that we were also looking to buy a house and in their will they have a transfer on death deed that goes to us and in the will we inherit everything since we've been the only family members to help out, but we have the concern that since they still don't have insurance, will medicaid, as they are only in their 50s doesn't qualify until 2 years for Medicare, that this hospital trip could bankrupt him if medicaid doesn't cover claims during the application process since the agent they were working with flipped their name on the application, so it got rejected.
Our question is, if our family member does have to file for bankruptcy or if they pass away before medicaid gets accepted, what are our options for protecting the house because otherwise we need to line up fallback plans.
If this isn't the right sub, if you could point me to a sub or resource that could help us, please let me know.
I'll be happy to answer any questions that I know the answers too.

Greetings and Salutations! Just dropping by with my notes for the next five chapters. Hope you enjoy!
Ch. 6

• Feyre is really adamant about not wanting to read and learn to shield herself from Rhys? I thought they ended on good terms last book
• Oh she's strong for a High Fae? That's interesting. Yeah why wouldn't you want to test your limits and see what new abilities you have? Classic main character arrogance :/
• Is Feyre being a contrarian just to be a contrarian? Rhys spitting out all the facts and truth and she's like “BUT UNDER THE MOUNTAIN blah blah blah I can't be a high lady”...weak arguments, this is small PP thinking
• What's happening to Rhys, is he having a high fae seizure or something?
• Lol Feyre still describes Rhys as the most beautiful male she's ever seen, poor Tammers.
• Oooh a female Rhys equivalent??? And her name. Is. MORRIGAN! She has to be new mommy, right?
• “...though I’d enjoy seeing Rhys’ balls nailed to the wall.” Hi Mommy 😍
• I know I said this before, but anyone that can irk Rhys without trying is alright in my book. Feyre tries too hard, it's a tough look.
• Lol we’re going back to grade school now; join hooked on phonics with Rhys for the low, low payment of one week of your life each month in perpetuity!
• Oh and learning shielding at the same time, cool cool
• Huh so there are others that have Rhys’ abilities? I guess that's naturally implied if he wants to teach Feyre shielding. I can't imagine it's a fairly common power, yeah? Maybe the high fae king has it or someone from the old guard
• Hmmm seems like Rhys wants to build Feyre up and make her more independent rather than be coddled by the spring court…good man. And Feyre is against this….why? Probably because it's not her idea lol. To be fair, I don't think anyone would like being mansplained by Rhys
• Do we get better descriptions of what Rhys looks like? I know he was briefly described in book 1, but all I know is black hair, violet eyes, star tendrils follow him, and he's the most beautiful person ever. So Henry Cavill wearing purple contacts.
• “I was still scowling at Rhys's muscled back…” LOL Feyre can't wait to have hate sex with Mr. Cavill.
• “Because war is coming Feyre.” Oh shit

Ch. 7

• Wait so why does the king of Hybern want the land south of the wall? There's barely any compared to what's north of the wall in Prythian. Is it just to enslave the mortals again?
• “I have no interest in seeing full-scale slaughter like that again.” Damn. Rhys has seen some SHIT.
• Oooh smart man, this Rhys. Feyre wants to feel important so he plans to loop her in war talks with Tamlin to make alliances….it's genius.
• LOL Rhys failed to catch a Suriel twice?! I can't believe that, especially when human Feyre did it so easily. That's gotta be a 4D chess move to stroke Feyre’s ego.
• Oooh Rhys confirms that there can be high ladies in Prythian. He's speaking Feyre's language, she getting power hungry.
• “You are no one's subject.” Bro, I'm surprised Feyre isn't hopping on Rhys’s dick right now with all that game he's been spittin’ at her
• Dude the lines that Feyre has to write about Rhys are hilarious. She's gonna get Stockholm syndromed hard.
• Oooh Azriel and Cassian mentions??? I've definitely heard these names before. They sound like Commander Cavill’s lieutenants
• Ah cool so the teleportation power is called Winnowing? Sounds like they create a wormhole to travel, that's cool
• Nice we're getting some interesting world building about the night court!
• Lol Feyre really wants to go back to the spring court? She even said the night court was the most beautiful place she's been, she's surrounded by the most beautiful man and the most beautiful woman she's seen, AND she's becoming literate and learning how to shield properly. Bring Luke the Duke on board and this place would be perfect. I feel like I'm taking crazy pills, this is the same dilemma last book with the spring court lol.
• “Lucien was the first to turn where I lurked in the doorway.” THAT’S the Lucien that I know. Always knowing what's going on and who's where…it's that Giga Chad intuition
• Ooof tough look for Tamlin, asking Feyre to be a spy and tell him everything about the night court and Rhys
• I know Lucien is Tamlin's wing man, but it feels like he's on the wrong side of this. He even suggests that they should train Feyre in secret.
• Hard convo these last few pages, I'm already feeling a shift in Feyre and Tamlin's relationship.

Ch. 8

• Oh shit it's the Tithe. I'm guessing this is where Feyre really starts to disagree with Tamlin. That two month engagement was TOO short.
• “Lucien stood at the foot of the dais, tallying every amount,” bro this MAN does it all; he's your accountant, wing man, naga slayer, lady killer, liaison between nations, etc. Get this MAN on the bachelor stat
• Ooh nice a nude faerie just strolling up in court…more of this plz and ty
• Ah jk a water wraith sounds kinda creepy
• Ooof yeah figured some of his subjects wouldn't be able to pay the tithe, and Tamlin looks like he has black & white thinking, no room for nuance
• He's continuing running the tithe this way because…tradition? I mean I guess I get it but at the same time I don't? Didn't he dislike his father?
• Aww Feyre that's sweet that you're helping out the water wraith by giving all your jewelry to her...in front of ALL the faeries that are currently in line for the tithe ceremony!! You're literally going to prove Tamlin's point in that now everyone will want a handout. At least do this charitable act in private. FAIL
• Hahaha Lucien at the dinner table looking back and forth at Feyre and Tamlin, waiting for the argument to start. He doesn't want mommy and daddy to fight!
• I can't believe I'm actually on Feyre's side with this because Tamlin is just being incorrigible. To be fair, Luke the Duke is actually leaning towards Feyre's perspective so that's a good indicator for me
• “Worse things have happened, worse things can happen. Just relax “ Man, Lucien just knows what to say and always has the right perspective…this guy has all the makings of a high lord, can we overthrow his dad and put him in the autumn court right now?
• Oh damn she has Rhys’s abilities??? That's dope, but GET OUT OF LUCIEN'S HEAD PLZ AND TY

Ch. 9

• Wait Feyre is a fire bender now too???
• Oooh Alis with some lore behind the water wraiths. At least that faerie is in Feyre's debt, I'm betting that comes into play at a crucial moment
• Lol Tamlin's gift to Feyre seems a bit tone deaf…guess he didn't pick up that she hates painting now. I bet he’s thinking “THANK GOD, her paintings are terrible”
• “Do you not want to marry me, then?” Yeeeaah Tammers I think Feyre is donezo with you. Time to start looking at your childhood friend Ianthe.
• Oooh another one of Feyre's powers being made manifest? So psychic, fire, and now sonic boom shrieks. Please tell me she gets adamantium claws next

Ch. 10

• Ha she can create shields too??? So Feyre is just super OP. I'm having a hard time believing she's in any real danger now
• Yeah this relationship is over, Feyre is checked out
• Oooh Rhys is back to collect! Tamlin is just getting emasculated left and right, I kinda feel bad for the dude
• Wow he's so desperate to keep control that he's willing to give anything to end the bargain.
• “I already have everything I want.” Savage, Mr. Cavill. Savage, indeed.

Looking forward to seeing what the next Night Court field trip has in store for Feyre. Thanks guys!

I filed chapter 13 in 2012 in New York. Due to loss of employment, my agreement was dismissed on 9/3/15. Part of my 13 agreement was shedding my second mortgage and the last payment I made on it was in 2008. The loan has since been sold a couple of times and although it is no longer on my credit report, my property currently shows as a lien by the current debt holder on my property which I am trying to get an equity loan on. My question is, this loan is old and is beyond collection based on the accelerated statute of limitations being well beyond 6 years. I don't want to call the debt holder to ask questions and ignite their collection process. Up until now, I've only gotten a couple of bills for the full amount and no calls. What are my options to get rid of this lien?