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Re: Should I file bankruptsy?
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Posted by kelly from nevada
(205.188.209.12) on February 19, 2003 at 19:58:31:
In Reply to: Should I file bankruptsy? posted by KSM on February 19, 2003 at 18:13:05:
honestly it depends on many things if you REALLY should file or not , BK will stay on your reports for about 10 years from the date you file & chargeoffs only 7 years from about last date YOU paid on the accounts so if my maths correct you have 6 more years to go before your reports are once again clean give or take .. first off what state are you from & do you as of today have ANY judgements against you ?? in my opinion & MY opinion only if you do not own a home or have any assets of any real value like new cars & such id NOT file BK UNTIL AND ONLY IF the creditors get judgements on you OR start to garnish your pay , some states they cant even garnish like florida & texas .. always remember YOUR IN CONTROL NOT THE CREDITORS so never forget that , every action they take against you , you can always counter there actions so dont let them scare you with weak empty threats becouse like i say IF you have NO assets their wasting their time but hey only my opinion here .. im sure if you provide more info like i asked you'll get some good feedback , theres some pretty good people here .. in our society of course having good credit is VERY important & ya should always try to protect your good credit but times are tough & seems to be getting tougher & in reality sometimes bad things really do happen to good people :) ........ hope i helped maybe a lil , goodluck , kelly ......................
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