• Chapter 13 bankruptcy and surrendering a vehicle?

    we are about to file chapter 13 bankruptcy and we originally didnt want to give up anything but since our consult with the lawyer we changed our mind about our car now i cant reach my lawyer because hes in court but i am curious about how it works when we surrender the car will they sell the car and add the difference into our bankruptcy. the car is... show more
    we are about to file chapter 13 bankruptcy and we originally didnt want to give up anything but since our consult with the lawyer we changed our mind about our car now i cant reach my lawyer because hes in court but i am curious about how it works when we surrender the car will they sell the car and add the difference into our bankruptcy. the car is a pile of junk and just ran out of warranty so in 5 years it really is going to be junk so we need to get rid of it. is this how it works or am i missing a lot of something. im fully aware of the ramifications of chapter 13 and we do not qualify for chapter 7 and this is the onl way to keep our house so help would appreciated.
    5 answers · Personal Finance · 9 years ago
  • I have a 2000 malibu with a v-6 and has had a slow water leak and now is overheating?

    the car has leaked for about 8 or 9 months and about 1 and a half years ago had the engine replaced and when it started leaking has looked to be leaking from the head which what caused the other motor blow up so im head gasket crazy but it was a real slow leak maybe a half a gallon every two months or so but now today it overheated it didnt get hot... show more
    the car has leaked for about 8 or 9 months and about 1 and a half years ago had the engine replaced and when it started leaking has looked to be leaking from the head which what caused the other motor blow up so im head gasket crazy but it was a real slow leak maybe a half a gallon every two months or so but now today it overheated it didnt get hot for long but i was about 5 miles from home so i let it cool down added some water and noticed the water wasnt really low and didnt feel hot no steam usually you can tell if coolant is hot or not but it didnt seem hot and i felt it and it was warm but as hot as the car got it should have scalding hot which leads me to think maybe the water pump isnt pumping or the thermostat is stuck but i dont know much about it so im trying to figure out what the problem is i dont care to replace the head gasket but if its something easier like the water pump or thermostat i would rather do that but if i replace water pump i will go ahead abd replace the thermostat anyway any help
    2 answers · Maintenance & Repairs · 9 years ago
  • Can chapter 13 lower my home loan interest?

    we have had a loan through citimortgage for about 1 year we closed on dec 7th of 2007 and they wanted our first payment on dec 26th our interest rate is 12.125 they said because im self employed between my tax records and bank statements thats what my interest rate would be but that if i had a w-2 i could get a 6% rate which is crazy in my opinion... show more
    we have had a loan through citimortgage for about 1 year we closed on dec 7th of 2007 and they wanted our first payment on dec 26th our interest rate is 12.125 they said because im self employed between my tax records and bank statements thats what my interest rate would be but that if i had a w-2 i could get a 6% rate which is crazy in my opinion but then i dont know what the standard is but we paid nearly 10000 in closing costs now i know what your thinking why did u do it to begin with well we sold our house with the brokerage telling us we had a 8% interest then moved in with inlaws found a house and bam 12.125% so i looked for a house to lease 1200 a month and my payment was going to be a little over 1500 and i figured in a year or so i could refinance but now with the economy and slow everything i am 2 months behind on my payments fixing to be 3 and if i can get caught up they will modify my loan so if i can file ch13 and get it lowered along with a few other things maybe im better off i dont know just weighing the possibilities
    Personal Finance · 9 years ago
  • Can i still get student loans if i file bankruptcy?

    im in school and need to file bankruptcy and i dont want to file on my student loans but i want to know if i will be able to get anymore student loans after i file bankruptcy i cant afford to pay for school all on my own so i will need help but i just dont know if wil be able to get it .
    im in school and need to file bankruptcy and i dont want to file on my student loans but i want to know if i will be able to get anymore student loans after i file bankruptcy i cant afford to pay for school all on my own so i will need help but i just dont know if wil be able to get it .
    2 answers · Financial Aid · 9 years ago
  • Mid back pain that radiates to the front where your xzyphoid process is?

    the pain started about 10years ago i started driving a forklift and after work my wife and i would ride around and the pain would start it wasnt bad at first then the company doctor told me i had weak back muscles i worked out for 4 years and the pain didnt get any better it didnt get any worse either also i only drove the forklift for about 6... show more
    the pain started about 10years ago i started driving a forklift and after work my wife and i would ride around and the pain would start it wasnt bad at first then the company doctor told me i had weak back muscles i worked out for 4 years and the pain didnt get any better it didnt get any worse either also i only drove the forklift for about 6 months the rest of the time i was in maintenance. i had a test done right about the time i quit that indicated i have a hiaitak hernia ive bee a self employed truck driver for 6 years no insurance and my chioropractor friend cant find anything wrong and to be honest makes my pain worse instead of better. when his nurse get close to my spine with the ultrasound machine it feels good but makes my intestines spasam a little . when i eat i get bloated a the pain worsenes i can lay on my sided or lean back tighteten my stomach muscles and breathe out and my back pops and crackles right where it hurts mainly on the right side but lately both sides hurt. the only trauma that i can think of was about 12 years ago young drunk and stupid i flew off of a trampoline and landed flat on my back on the ground trying to do a backflip. the mri is to expensive im just lookin for ideas or somonelse that may have a problem like this
    2 answers · Pain & Pain Management · 1 decade ago
  • I have a 2004 ford f-250 crewcab lariat 4x4 with a 6.0 desiel and i cannot get a programmer to work on it?

    my truck has 80000 miles on it ive only put about 3 or 5 thousand miles on it and the only thing ive done is put a straight pipe in the place of the muffler. the catalytic converter is still on it. today i went to a local offroad parts and acsessories shop and one of the owners had a programmer off of his 04 f-250 that he just got rid of so i was... show more
    my truck has 80000 miles on it ive only put about 3 or 5 thousand miles on it and the only thing ive done is put a straight pipe in the place of the muffler. the catalytic converter is still on it. today i went to a local offroad parts and acsessories shop and one of the owners had a programmer off of his 04 f-250 that he just got rid of so i was going to give him 150 for it but we wanted to make sure it would work so we plugged it in and nothing no lights no codes nothing its like the programmet had no power so we thought it was the programmer so they got a new bully dog programmer off the shelf and same thing by the way the used programmer is a superchips programmer any ideas would be great i have not ever delt with programmers before so help please
    3 answers · Ford · 1 decade ago
  • Can i move in my personal resindence if i closed on the house and there is still a renter living there?

    we bought that was an executive rent house and the turd that was living there hasnt moved. we have tried everything to get him out and the only options we have is if he doesnt pay dec rent we can get an eviction notice from the court. now if he wont move can we legally move in with him and let him stay the full 30 days
    we bought that was an executive rent house and the turd that was living there hasnt moved. we have tried everything to get him out and the only options we have is if he doesnt pay dec rent we can get an eviction notice from the court. now if he wont move can we legally move in with him and let him stay the full 30 days
    5 answers · Renting & Real Estate · 1 decade ago
  • I bought a house that was used a rental house and the renter wont move after we already closed?

    now we were told that he would be out before closing and know that the former owner told him around nov 1st or 2nd that he needed to vacate cause the house because the house was beign sold to us. the termite guy and the apprasial guy commented on how rude he was saying he cant believe the house was sold out form underneath him. the first appraisal... show more
    now we were told that he would be out before closing and know that the former owner told him around nov 1st or 2nd that he needed to vacate cause the house because the house was beign sold to us. the termite guy and the apprasial guy commented on how rude he was saying he cant believe the house was sold out form underneath him. the first appraisal wasnt accepted so we hired a friend to do the appraisal and the tennant first told him that it had already been done and that he wasnt getting in but finally let him in and started ranting about the house beign sold. now from the termite guy to now hes been told and known that the house wad sold we put eviction notice on the doors and got a letter from his lawyer saying he wasnt properly notified. does a verbal eviction have any legal standings and other than a 30 day from me any other options in arkansas
    3 answers · Law & Ethics · 1 decade ago
  • What are my rights to evict a tennant that is still living in the rental house i bought as my permenant adress

    we were told that the tennant would be out when we closed now after closing he wont move until after the first of the year so we put and eviction notice for 10days and we recived a letter from his lawyer saying he wasnt properly notified and that after dec31 we can evict. now our first payment is due dec26 we dont want anything but for him to move... show more
    we were told that the tennant would be out when we closed now after closing he wont move until after the first of the year so we put and eviction notice for 10days and we recived a letter from his lawyer saying he wasnt properly notified and that after dec31 we can evict. now our first payment is due dec26 we dont want anything but for him to move but our payment is nearly double his month to month verbal rent agreement please help in arkansas
    6 answers · Law & Ethics · 1 decade ago