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Is it okay to have all my accounts open and payments current?

If my primary residence is the collateral for the EIDL loan and I decide to just walk away from my house, will SBA come after my other assets AFTER they get whatever equity they can from the house?

I recently researched a few of those "questionable counseling services", including Ascend, Freedom and another one, and they all love to use fast talking sales reps. and very questionable tactics, some of which are either borderline illegal, unethical or just plain "illegal." *ALWAYS SEARCH THEM FROM THE BBB - Better Business Bureau, it may surprise you how many complaints there are concerning certain credit relief business and maybe some non-profits.

What about the crypto ? I had 98k dept couldn’t pay and not with the interest etc shows 189k with couple business cards I am here with the work visa and immigration still didn’t send my work visa so I can’t work to pay ,no income now and I had 20k on crypto and I transfer 16k to my ledger cold wallet Bcz that’s the only money I have now :( do u think that ledger transfer will be issue for me ?

Is there something in the verbiage of the contract you would look for to legitimize a debt settlement arrangement?

I’m in S. California 🫤

On the phone right now with Debt Advisors of America. I’m afraid I’m going to make the wrong choice. I just received 2 summons for chase credit cards, so I’m dealing with that also. Help‼️

What do you do if the trustee is out of control? I've had a chapter 7 going on for almost 4 years and the trustee has been trying to deny my homestead exemption and force the sale of my home. I only asked to discharge about 30K and at this point my attorney fees are almost as much as I tried to discharge!

What if you get sued by one of the debt collectors, what would be the next step and I am already in a debt consolidation program

Were homeless. Our tax refund is the one thing we were looking forward to to get a place. Not sure if we should wait to file bankruptcy

What happens to all the money a person pays towards their bankruptcy after paying for a couple of years and it ends up being dismissed???

I had a WF card in 2002 and cant remeber if I paid it off or not. I stopped using the card back then. I just got served for that debt. If I had a balance, it is over 20 years old. Go figure...Now I have to hire an attorney and spend money on a debt that may not even exist. I have no way to prove it had a zero balance or not. Even if i did have a balance, the SOL is 4 years in Texas.

Once upon a time, there was a lawyer who went to hell… He meets the devil and asked “why are you in hell just like me” It’s the Law… If you don’t obey the law, you will be in the same place as me.

Great you answered my first question

what happens to money i have in bank that was paid to me from insurance from a housefire to reimburse me for loss items and work to be done to house to restore it that has not been spent yet but is in the process of doing repairs? will they take it for bankruptsy?

I’m going to be filing in a couple months. I have 9 cards and 4 with balances. Should I begin to close out the ones I am not currently using?

I fell in this any help on how to get out ?

Great video. Thank You.

What if the car you have in chapter 13 broke down and cant be fixed and now you need a new car?

Thank You.

Hello, enjoyed the video. I just have a question about the credit cards part. I just been discharged from chp 13 🙌🏽 you said the goal is to have 3 cards. Is that 3 credit cards right after the bankruptcy or after one year of having just one credit card.

Should high balances after chapter 7,be zeroed out as well?Does it matter even though the original balance is zero?

This only works for people who can pay it off, but want it done sooner than the interest would allow

We need a class action to force the department of education to put the provisions of this now not-so-new law into effect.

Where can find it in writing that Mississippi a debt collector only has three year debt or expired?

My GMC AT4 was stolen and the truck will get paid off and I’m getting an additional 17,000 for a new vehicle. I haven’t been confirmed yet and I’m trying to decide if I should go through all that trouble or buy the vehicle cash.

I feel like such an idiot that I even considered it for 20 mins. Thankfully, I hung up and listened to my instincts. Confirmed by this video I need to do this all on my own. THEY CANCEL ALL YOUR ACCOUNTS DONT DO IT.

Is Cordoba Legal legit?

What about mags, ammo, suppressors?

What do you expect a bankruptcy attorney?? Think about it he only makes money if you file BK!!!! WHAT A SCAM HE IS!!!

but if you are poor and retired. they can not touch your bank accounts, as long as there is less than two ss payouts amounts in said accounts no matter the source. say you get paid $1,00USD a month from ss. you can not have over$2,000 USD in all accounts. debt collectors can not go after your house or car if there is a loan on them. but can put a lean on your home. as its “value” goes up. a car does not. if you are rich, your lawyer can protect you. .

I went to Globe. How do I know if my loan was forgiven? Nothing is showing up on my credit report for it?

These gvv

Very informative, great video for a Sunday!

I'm glad in Canada debt settlement is a legal process and set up with trustees

Man after the 314 meeting they don’t check shit, all they want is the monthly payment they don’t give two shits about you at all. I lived a normal life after the 314 meeting. I’m living proof.

About three minutes into this video there is at least one issue with stating creditors will no longer continue reporting a auto loan. There is a form, called an affirmation agreement, which you & your attorney can specifically tell the lender to continually report the installment loan as a positive tradeline. That means no ND-no data or any derogatory remarks. And the lender, on a monthly basis, will report the account as normal. The financial institution will sign the agreement. The second issue is that all information on the credit report is to be accurate. With the affirmation agreement, the account is not included in bankruptcy. As a result, you have a positive account being reported, especially if you are making payments while you are filing for bankruptcy. For those that are rebuilding their credit, the same rules apply whether or not you have filed for bankruptcy. On revolving debt, the optimal utilization is one percent. In addition, have an open installment account with an open revolving account will help your score. There are secured cards & credit builder loans that do not pull a credit report but report to all there bureaus. I am going to share three links that are irrelevant to this post on TH-cam. The first is a video from John Alzheimer that worked at both FICO & Equifax. Then links to credit builder programs. Also, use Experian Boost & there are also companies out their that you can report your bills & rent to as well. th-cam.com/video/M53wNlq6sro/w-d-xo.html Anatomy of a prefect 850 FICO score www.creditstrong.com Credit builder www.self.inc Credit builder app.openskycc.com/securedplus/apply? Secured credit card, no annual fee no credit pull when applying www.openskycc.com More information myzing.com/personal/loans/personal/credit-builder-loan/

So does this mean you can dispute to have it removed from your credit after 4 years?

3 years without 1 comment. ?

well im about 14k in cc debt and considering ACCC really dont know what to do atm

The simplest video I’ve seen on this topic. Payments haven’t started yet but I’m gonna cancel it NOW!

Is the trustee able to file for a garnishment of your wages if you fall behind on payments? I am caught up now, but never thought they could do that

If you get sued for an old debt, show up to court and collect your $1,000.00 for wasting your time.

not advisable to iccur new debt while in a chapter 13 by any means possible

Its been soong, i don't know who the servicer is. How do i find that out?

Hi, My friend left USA in 2020 with credit debt its been 4 years and now he want to comeback to USA and he got work visa, Is it possible to return? OR he may held at immigration office? Please provide an answer. Thanks in advance.

How is this gonna get reported to the three major credit bureaus?if you reaffirm the lease & continue making on time payments.

What are the chances of getting a 1099C form after a chapter 7 bankruptcy? is it unlikely to happen or is it going to happen?Also is a 1099c form from every creditor?

I am already 10 months in on a supposed 53 month program. I have over 18K in debt and my credit score dropped from a 802 to a 528. Is it too late for me to leave the program? And what the next steps I should take?

But even if the statue has expired. In my case. Its beem 20yrs. Looks like the debt was sold to another third party company. They are not trying to collect it but it shows up on my credit report as of recent.