Comments on: Can Your Creditors Still Sue You After Bankruptcy?

By: Gabby

Gabby — Thu, 26 Jan 2012 04:28:43 +0000

Larry- Any debt that was incurred after her filing date, not discharge date you can collect on that debt. Any debt incurred prior to her bankruptcy filing date is dischargeable and not collectible.

By: Larry

Larry — Thu, 19 Jan 2012 16:05:43 +0000

My tenant filed Chap 7 in June and stopped paying rent in Sept. I won a judgement in court against her in Nov. Can I garnish her wages?

By: Ms. Pam

Ms. Pam — Sun, 11 Dec 2011 05:56:23 +0000

I found this site when looking for info about bankruptcy.I feel sorry for Mary if the ones complaining about her were in Mary’s shoes how would they feel? I can understand anyone having money problems, I am having the same problem about money, I also have the Problem Mary has. I am owed over $77,000.00 from ex-husband since 1989 and have had no luck in all the years of trying, finally got a lawyer willing to help me with him to get 33% if secussful,court ordered him to pay for the last 4yrs bcause of statue of limitations, and found out that he has the means to pay the $16,039.00.He still refusses and went to jail for 6 months for contempt of court got out bcause had wife to file bankruptcy to try and wipe out his debt to me but can’t because it’s a domestic relation order and it doesn’t stop until he dies.Oh I am also due my monthly check and its $3,000.00 behind. All while driving a 2009 cadillac, 2008 chrysler 300 and a 2010 dodge ram duly truck,brick house and rental property and didn’t turn in a lot of info to Bankruptcy court.

By: julia

julia — Mon, 17 Oct 2011 14:35:16 +0000

I am in the exact same boat is you. I filed my paperwork on Friday with ant attorney that I pray knows what he is doing I have the same title as you and been working for the same amount of time only difference is I have 3 children and I am totally stressed out because of this. I have lost over 40 lbs from not eating and sleeping. I will pray for you and you do the same for me and my family. Do you know if the trustee will take our pension and I think they take your income tax return to.

By: LadySturdivant

LadySturdivant — Mon, 29 Aug 2011 10:20:31 +0000

I am filing Chapter 7 this week and I have been in law enforcement secretarial/records clerk work for 9yrs. I am also a little sad because my husband and I wanted to be police officers, but I read that once you file bankruptcy, law enforcement agencies will deny you. I am relieved that I will have a fresh start but not relieved that I wont be able to get a better job due to my credit history. I need plenty of prayers.

By: Liz

Liz — Sun, 31 Jul 2011 15:54:08 +0000

To Mary and all those attacking her.. I have been on both sides of this fence. I am currently drowning in debt right now due to my ex-sister-in-law missing rent and owing me over $25,000. I bought a house when she and my niece/nephew had no place to go. It was bought with the stipulation that she would get her credit straightened up and get it in her name in a couple years. Well 7 years later, she never did this, moved out and left the place a mess. She has done it to another couple landlords since then, so it is not a one time thing. I wasn’t snooping but my niece, her daughter has told me this. Bad thing is I can’t sue her since she is on veterans disability, although she makes more than I do – again I was told this, I didn’t ask. I work more than full time and still can’t keep up with my bills since I have 2 mortgages. I am stuck with a house I can’t rent/sell until it is fixed up and I can’t afford to do that right now. So quit attacking Mary – you don’t know all of the situation. I know that some people just get in a bad situation and truly get behind on their bills – I have no ill feelings towards them, again I’ve been there and am there. But there are those who mismanage their money and expect a free ride or others to clean up their mess – this is wrong.

By: linda

linda — Tue, 14 Jun 2011 16:45:32 +0000

I use to be married and was going alright, then found out I have a illness that could kill me and that was the end of my life I thought but I got credit cards because my credit was pretty good even bought a new car then I got divorced a year later which never thought that would happen to me. I still payed my bills but moved to another state with family. my husband wanted out of the marriage because I got too sick and had one stroke after the other which to this day im sure it was the medications the doctor had me on. now I am being sued, but I already decided to go to a lawyer because now am on ssi and no money to really live on. i had to borrow the money for chapter7, I went to the lawyer told her my story and she said they can’t take your money if on ssi for credit card debt. i told her that i wish to file and just use cash for now on. well finially it has come to my meeting july8th 2011 and get rid of those debts, i read what everyone wrote and it made me cry and so sad. i just want a new start without all the stress for that could kill me because of my illness…I been through enouph spending my life in hospitals. i need to rest in peace when i go..I have sceroderma and rhynaulds disease..

By: Dawn

Dawn — Sat, 11 Jun 2011 15:49:36 +0000

I filed for bankruptcy in July of 2006 and it was discharged in November of 2007 (I made monthly paymenst totaling $1000 to the lawyer because I did not have the money all at one time 0 otherwise I could have paid some of the bills I owed). My husband passed away from Leukemia in 2001. I was 21 years old. I fought to pay those bills for 5 years as a widow, working a full and part time job, and only making $28,000 a year. We did not have children, but it was a struggle to pay for our bills. I turned to a credit counseling service who made a deal with my creditors and reduce payments and interest rates. It helped, but not much. Luckily, I had parents who were nice enough to let their 21 year old daughter move back in – rent free. Finally, after 5 years of paying I decided to file bankruptcy. Four years later, I am not proud of it, but I’m glad I have done it. I have learned from my mistakes. Yes I have credit cards, but I do pay atleast double the minimum payment (every month) and they could be paid off within 3 months. I live in my own apartment, pay all of my bills on time, and still have money to buy food. Imagine at the age of 21, losing a spouse, having no life insurance, and what little estate there was went to all of the bills that had his name on it, which left you nothing but the $255 lump sum that the government gives you, and what little bit of money you make working 2 jobs. No matter how old you are you should ALWAYS be prepared for anything. My dad had retired in 2009, but still has to work part time while my mom works a full and part time job. I believe it was 2 or 3 years ago that the economy went to hell in a handbasket, and my parents lost over $80,000 from their retirement fund. So my dad, who is 67 and has health issues still works too!

To Mary, who will probably never read this, get over yourself. You are keeping such close tabs on the people that bought your house, but maybe you don’t know what else has happened to them. Maybe one of them lost their job, maybe one became ill, or maybe they just realized they were in over their head, and thought that a fresh clean start would help. I’m sorry that you lost $40k and your husband had to work another 4.5 years. BOOHOO!!! Why didn’t you get off the couch and go work too or pick up a second job? What about those of the younger generations that will never get to see their social security benefits that get taken out of their paycheck? People like YOU MAKE ME SICK!!! Not everyone has the “I’m holier than thou” attitude that you have. There are some demons in your life that I hope you get rid of. Whether you believe in it or not, there is a little thing called Karma – what goes around comes around. I feel sorry for you, Mary!!

By: Tiffany

Tiffany — Fri, 08 Apr 2011 15:41:24 +0000

Wow, it was nice to read that I am not alone. I too was married for 9 years and when I seperated I bought a house, 4 months later lost my job and was completely clueless as to what to do! Long story short I filed bankrupcy Oct 2010 and was discharged in Jan, and able to walk away from my divorce debt free with a new job and a new start (and I even kept my house).

Question- Can a debtor still try to collect? I had a disturbing call from a “payday loan shark” saying they are sueing me for writing a bogus check… At first I was intimidated, but I thought quickly and told them I would have my attorney contact them, and they magically said “oh wait a minute, we see you filed chapter 7, nevermind” sooo is it legal for them to attempt to collect after a discharge??

To Mary…
I’m praying for you, you obviously have some demons that you need to address!!

Have a great day…

By: beth

beth — Tue, 15 Mar 2011 09:09:20 +0000

Dear Mary … even though I am sure you will never read this … I just wanted to say something to you.

By saying “You people make me sick” … it is a very hurtful thing.

I just want you to know … that my husband and I did ABSOLUTELY EVERYTHING we could to prevent filing for TWO YEARS. We have 3 kids … and lived off $20 to $40 a week on groceries. I am sure you can imagine how LITTLE that truely buys.

We had money in the bank … ALWAYS paid our bills … owned a house … 3 vechiles … and we doing fine. Then … for the past 2 years we had one bad thing happen after another. My husband had been layed off FOUR times in the past 24 months in the construction field. Each time got harder and harder to stay a float. BUT … EVERY bill was being paid. EVERY BILL!

Then we sold our house in hopes of saving some money … but took a HUGE loss in order to get rid of it.

Then suddenly we had no money in the bank … and we were sinking fast. We called EVERY creditor that we owed and NONE of them cared. Not ONE of them would give us a month off from paying … or lower our payment … or seemed to even want to help us. Then one day … there was no food in the house … and we stopped paying our debt … so our kids could eat. The first bill that we ignored … was the hardest for us. We took pride on ALWAYS paying our bills … and then suddenly … we stopped.

We did not know what else to do. Filing was the only way for us to breath again … to keep a roof our our family’s head … to put food on the table … to have money in the bank again.

SO Mary … you might wanna rethink what you say … when you say … “You people make me sick”. Because us “people” are just trying to provide for our families.