Survivalist Chronicles

ariel_okinawa asked:


In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?

Thanks!
DAS: I know that the items stay on the credit report, but they will have a note indicating that the were included in the bankruptcy so that any future creditors can see that the debt is not outstanding.

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S L asked:


I remember hearing once that a debt after a certain amount of years, is moot. Does it depend on the state where the debt occurred or you current state of residence?

I heard that collection agencies that specialize in buying old debts, to try and collect on, **** for people to know about these laws. Where does one look up information about this? And what exactly does one do to bring it to the attention of the collection people, that you are no longer obligated by law to pay on such an old debt?

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just_wondering asked:


Wondering how bankruptcy works if you are married. Say if one has awful credit, and the other has really good credit. The one needs to file for bankruptcy. Will the bankruptcy affect the other spouse? Or can the one do it alone without affecting the spouse at all? Any info or sites to look at would be appreciated. THANKS!

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beautiful bird asked:


My friend is planning on filing bankruptcy and she wanted to make big purchases using her credit card prior to filing. How safe is it? What are the contingencies?
please… objective responses only. thank you.

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tammmy s asked:


I think that schools should teach personal finance because it is something we ALL use. I have never used Beolulf or any lituarture read in school. Maybe no one told me why it is so improtant.

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GIG45TXFL asked:


I know the situation is worse now for people with ok – bad credit trying to buy a house, but is it impossible? I have a repossession from three years ago. I still have about $5000 to pay on it. My credit score is about 640. What do you think? I don’t want to waste my time going to the bank/lender if there’s no chance.

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JJ22 asked:


Typically, sinking funds are funds that a company uses to finance major repairs, maintenance and or replacement of major items. Repayment into where the funds originated, or back into the sinking fund is required.
How would a personal sinking fund be ran and would it be beneficial?

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TwinkaTee asked:


I need some motivation people! I want to commit to reducing my credit card debt this year; but, it seems a bit overwhelming. Please share stories of how you reduced your debt. Maybe that can psych me up to keep sacrificing and paying off these debts. Thanks!

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Russ M asked:


How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

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thelastpirate asked:


I have been searching for a good free personal finance software that has both nice asthetics and good usability. Any suggestions?

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