Is Bankruptcy the only option?
Most attorneys offer a free consultation in person for BK up fro
Most attorneys offer a free consultation in person for BK up front. You should go and get these questions answered.
Well, I'm not an attorney, and I do agree that some of these que
Well, I'm not an attorney, and I do agree that some of these questions would probably be better answered by a lawyer. However, I did file Chapter 7 recently, so I'll give you my opinions . . .
1. I doubt that it's too late to get your name off of the ex's checking account to protect his money from your debt. Since you say that the error was just discovered, the IRS should send you a bill before they attach a lien to any bank account. And even once they send you a bill, they usually give you several chances to pay it or make arrangements before they attach your account. However, since the IRS currently thinks that your ex is the one who owes them money, he should not ignore the notice that they sent to him because if he does, then they might decide to take his money. And, as a side note, it's my understanding that most taxes are not dischargeable in a BK, so I assume that you've talked to the BK attorney about that?
2. The house question, I'm not sure about. If he's making his payments, then I would think that his credit score shouldn't be affected.
3. My personal opinion is that if you are definitely filing BK, then I wouldn't make any more payments to CCCS, and I would tell them why. You need that money for rent and an attorney, and there's no need to pay them when those creditors will be included in your BK anyway.
4. Regarding what to do now, if you can no longer afford the CCCS payments, you could try debt settlement, but you would need to have funds available for that also. Other than that, BK is probably the next option.
Good luck!
Also, if you do file BK, you will be asked if you made payments
Also, if you do file BK, you will be asked if you made payments to any creditor of $600 or more within x days/months before filing.
I agree, if you have determined that you will be filing BK, then I would not make any more payments for your unsecured debts. (Pay those utilities, tho! :) )
Submitted by desperatelyseekingsanity on Thu, 09/11/2008 - 13:20
thank you for the replies. Sometimes verifacation and assurance
thank you for the replies.
Sometimes verifacation and assurance are all the is required.
Submitted by divorcedforlongenough on Thu, 09/11/2008 - 14:54
You should know, though, that taxes are not dischargeable in a B
You should know, though, that taxes are not dischargeable in a BK. Meaning you can file, but you will still end up having to pay it.
Good point, DC, good point!
Submitted by desperatelyseekingsanity on Fri, 09/12/2008 - 07:08