Hello. I have been unemployed going on 4 years.

5 Answers

Your neighbour might have filed but it doesnt mean it is discharged.  Even under chapter 13, payments are made throughout the course of the wage earner plan but once the bankruptcy is discharged, the entire balance of the loan with accrued interest becomes due again.  This is how nondischargable debts are handled.  I get discharged chapter 13 accounts in my office almost everyday.  Students believe or assume just because they filed, the debt has been discharged.


Chapter 13 is not a Discharge. Just a so call freeze on your debt. It happens all the time especially with the people that have significant amount of money.


Well my my neihbor just filed 2 mos ago and it's just like i said!!!


Student loans are non dischargable in bankrutpcy.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

If you lost your job because you wouldn't lie for your employer. I would try to get a free consultation with an attorney and see if you can sue your employer for putting you in this position. And also consider chapter 13 bankruptcy, this usually last 6 yrs and consolidate all your bills for an court appointed trustee to be paid in priority and you will only be paying usually 10-20 cents on the dollar until your off it. You won't be able to get credit while on it, but it's better that you will be able to use what income you have for your survival and stop creditor from ruining your credit.


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