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My attorney told me that if more than 50% of my debts were due to business debts I would not have to meet the means test. I'm currently trying to work debt settlements and avoid BK, but if I have to go through it I want a CH 7 and a fresh start. My house is only worth around 375k with 570k (230k1st, 230k2nd and 100k3rd) in debt + I have 125k in CC debt. I also have a rental property worth 230k with 230k in loans. Since my house is so far upside down if I go through BK I might as well move.

I am getting married in September, and my fiancee and I are looking into purchasing a house. While her credit is good, I think mine is terrible. What will happen to her credit score after we are married? How will my poor credit affect her, and how does this affect the part that I play in getting a home loan?

I had talked with ae and we came to agreement of 17% and then he said he would call but with details and fax over paper work but when he called back said that his manager will not approve it only 40% Im only 60 days late. Do they do that alot say one thing and do another... What do I do now just wait a month and call but or write them a letter what ???????

Does anyone know if CMG Group or SSM Group are legal in Florida.I tried contacting them to make arrangements but they said if I miss a payment I go straight to collections. I borrowed 275 owe 325 paid 75 on both of them.

I need some advice I currently have a poor credit score and I am enrolled in a debt management program with care one, I know that this appear on my credit report that I am enrolled in this. My question is if i look into one of the places that offer auto loans to people with bad credit will this also affect whether I get approved or not. Also if anyone has had any expeience with any place that does offer auto loans for people with bad credit I would love some feedback on them. I live in ny. Thanks for the help.

student loans were dischargeable in bankruptcy now however must use "undue hardship" separate filing - has anyone here successfully discharged these?

Hi, like everyone else I am struggling in payday loan debt. The loans I have are from internet loans seeing as though in Pennsylvania storefront PDL's are illegal. My question is that I am trying to find out the state in which 2 of my payday loans are licensed under. I've checked my contracts and I don't see. One of the loans (MYPAYDAYLOAN.com) is based out of Costa Rica! Is that legal?!? and the second one is from MyNextDayCash.com. In total I have 5 loans open and one (through checking out this forum) I have realized exceeded their maxium amount they were allowed to give me.

I am looking for a reputable company for payday loan consolidation. Does anybody know one?

If an account is "charged off" and then sold is it required to list the original creditor on the schedules? Or is it up to me?

My husband and I took out a payday loan in September of 2006. We were called at work and at home for 3 monthes. After the loan company callod my husband's boss and told him " HOW CAN YOU EMPLOY SCUM LIKE THIS IN YOUR COMPANY " we paid off the $430 loan with a $700 payment. that was in january of 2007. 2 weeks ago we started to get calls at work and home again from the same man saying that we did not pay a penalty fee of $250. Now with intrest we owe $1245! We paid them $250 more at that time but they still won't quit calling.