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My husband and I are getting ready to file chapter 7. We are in serious debt with Dr. bills (son had to have surgery at birth, no choice) We want to buy a house will be able to soon or not in sight for many years? How fast does your credit improve? What about buying a car? We can totally afford are normal everyday bills but have no hope of ever coming out of the medical bills for at least 10-20 years.

5 Thoughts on Have you filed bankruptcy?
  1. Reply
    December 2, 2011 at 5:27 am

    I filed 9 years ago it hurts your credit bad. but no more phone calls and I felt better it is worth it to file than to be harassed and you don’t want your wages garnished. It is not the end of the world. My credit did not build fast. I got a visa high interest of course payed it off and I have a van that I pay high interest on. my credit is looking up but i have had hard times since bankruptcy. So if you do not mess up again like i did on medical bills you will be fine. I have 3 credit card one is payed off so I haven’t meant my goal on top credit score but I have seen worse.

  2. Reply
    December 2, 2011 at 6:26 am

    see attorney

  3. Reply
    December 2, 2011 at 7:03 am

    Yes, I filed Chapter 7 in 1999 as a result of my divorce. It was a very rough go of it, but I re-affirmed my debts with my credit union (I also happened to work there at the time, too). The debts were discharged in early 2000. I bought my home in July 2003 (100% financed FHA). I have $ 3500 in credit card debt (one card only, the other is my ’emergency’ card with a zero balance), own my auto free and clear, and have 25% equity in my home, despite the current home pricing crisis. I’m saving 15% of my pay for retirement, and plan to be debt-free (other than my mortgage) within about 3 years.

  4. Reply
    December 2, 2011 at 7:48 am

    My blog, How To Get Good Credit Gab, provides the opportunity to share thoughts, ideas and experiences about obtaining good credit and emphasizes the importance of building and maintaining good credit and the perils of personal financial mismanagement. This may help you resolve your problem.

  5. Reply
    December 2, 2011 at 8:01 am

    I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It’s legitimate and free consult.I came across this company on NBC News Special Edition.Check it out here:

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