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This is to Guest 88, who showed an example of how to calculate whether you're insolvent or not. Under your list of assets, you only put $2200 for household items. That seems extremely low, considering a decent computer could easily cost that much alone. What about your furniture, clothes, kitchen appliances, dishes, TVs, window coverings, etc., etc.?

This is not clear. Anyone know? If so, then I can for sure file Ch 7! Thanks!

I called to get the address and they gave me 303 Perimeter Center N, Atlanta, GA, 30346. I can't find anything on the internet that mentions these people. Anybody got anything to help me out?

They offer very easy loans with very high interest. I received a loan form them but as much as I pay it does not go down, cna anyone help with information on how to pay down this account.

OK, I currently have 5 Pay Day loans open (listed below). I started back in about August-Sept 2008. I was planning my wedding and got one loan to help out, couldn't afford to pay it back so got another pay day loan to pay that one and it just snow balled from there. My loan companies are listed below. ANY info and help anyone can provide I would APPRECIATE! I live in California. I was just laid off from my job and so obviously I need to avoid having these payments happen. Keeping a roof over my head and food on the table is more important. I have a Bank of America account.

I understand the main items are from the census bureau and you use those figure. There are other items on the list that I am not sure would be considered excessive. My husband is the only one with a job and we are just over the mean income by 7k for a family of 5. Our debt is over 100k - ouch! Due to job loss, loss of home and living off credit cards while unemployed. Anyway, I am currently unable to work due to depression/anxiety(figures, right) but we do pay for childcare as I cannot watch my children full time.

I received a call from 404-424-4144, Christie Owens in the warrants department at Spellman and Roman earlier this week. She told me if I don't pay them $402.50 by Friday they will send the county police to my job. She called my job and verified my employment. The number she left for me to call her back on Friday was 404-585-6823. She said she's the only one that answers this phone. Well I called today and got another guy. He couldn't tell me anything except that Christie was in the warrants department and he can't see my file b/c it's on her desk.

I am in Louisiana and have 10 internet loans - can anyone tell me if they are legal or not here? Apex 1 Processing d/b/a Cash Advance Network; Apex 1 Processing d/b/a Instant Cash USA; Apex 1 Processing d/b/a Paycheck Today; SDS Processing; SSM Group, LLC; EZ Cash Media; One Click Cash; AmeriLoan. I am signed up with PDL Assistance but really would like to feel good about this.

I have an old Sprint bill that is about $900 that Sprint reported to the credit bureau about 5 years ago. Now I have Afni reporting to the credit bureau too for a "utility" account for about the same amount (I am assuming this is the same bill). Can two places report the same account? Can I get one of them removed??

My mother went to go see a bankruptcy lawyer to file a Chapter 13, she just filed a Chapter 7 around 3yrs ago. I just don't understand how she can have this much debt again. A couple of months ago we went to visit her and I went shopping with her, she is so unorganized and when she went to pay for her stuff she must have pulled a stack of credit cards 3-4inches high. Now I'm not saying that I know the whole story and I am perfect because I filed a Chapter 7 because I lost my job last year. And I do still have a little debt.