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April
April
Debt Management Tips : How to File Bankruptcy
15 comments Posted in: DebtTagged with Bankruptcy, Debt, File, Management, Tips
Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips from acertified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey
15 Responses
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Exactly. Even if you go through consumer credit counseling, your credit is still harmed almost as bad ( consumer credit is just a baby step up from bankruptcy ), BUT you’re having to pay a couple hundred $ usually, every month, and that mark still stays on your credit, which harms if you should need to finance a vehicle, home, etc.
Loans tend to use your debt/income ratio now, so filing bankruptcy loosens this ratio up, thereby increasing your loan options if you chose to.
April 3, 2010 at 2:05 pm -
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I stopped paying my credit cards and plan on filing for bankruptcy if I am served a summons.
If I pay back 100% of my debt under 5 years in a chapter 13 (worst case) it is @1,216 for 5 years, on my own it will take 13.6 years.
BoA can kiss my ass with their 19,99% rates. They don’t even call me even though I am over 60 days behind.
April 3, 2010 at 3:44 pm -
one day i woke up from a long sleep having realized all this work work work for money ment nothing. so i stopped paying my credit cards turned off my phone. now im much happier. credit cards companies can suck my dick if they think im going to pay them a penny when the feds already did. time to wake the fuck up! im not saying stop paying all your bills just prioritize. try living without plastic you will be come happier worked for me.
April 3, 2010 at 3:59 pm -
she must be an attorney…she cant give a straight answer…in ch 7. it all gets wiped away right away, and in ch 13 you pay a little every month for 3-5 yrs, then the rest gets wiped away…good way to save your house if your behind
April 3, 2010 at 4:31 pm -
If anyone is in need of medical or financial assistance, please visit us at NeedFinancialHelp (dot) org. We are non profit. We have helped many people get back on their feet and there are NO fees, we are free.
April 3, 2010 at 4:40 pm -
Her accent is soo strong- I keep getting distracted and forget what she is saying!
April 3, 2010 at 5:02 pm -
Please read this because it acually works!!!!!!!!!!!!!!!!1.Put both of your hands on your chest
April 3, 2010 at 5:54 pm
2.Think of someone thatyou like……
3.Tommorow that person will ask you out or say i love you.
4.Heres the catch just send to 5 more videos -
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chater 7 is a code in constitution of united state to help people for a new start this lawyers all work for credit card companies do a research on usary law and find out why all credit card companis are in delaware .
April 3, 2010 at 7:58 pm -
Hey man anytime… These kinda videos makes my creativity leak outta my ears onto the floor.
April 3, 2010 at 8:20 pm -
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Could i file for bankruptcy if i put all my money in my vehicle and lit it on fire with a propane torch?
April 3, 2010 at 9:35 pm
BoA probably already sent it to collections then. I have been paying a local attorney for over 3 yrs for a past BoA account–never late, and a yr ago, couldn’t get a loan on a car because of my debt/income ratio, and the fact I was paying an attorney and still owed more than $1000 on it–four separate dealers told me this.
My father filed bankruptcy 10 yrs ago, and 2 yrs later was later to finance a condo in southern Calif. FUCK all the credit card companies!!!! Don’t use them or the banks!!
April 3, 2010 at 2:01 pm