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28 Responses to Questionnaire submission was successful

  1. tiffani says:

    I was inquiring about chapter 7. my total bills are around 15000 dollars including light bill, old phone bills.a judgement from an old cc, and one other cc for 800. I am inquiring about bankruptcy because I was mis informed multiple times by the school I attended and I have to repay the school. My student loans are fine and I am aware they are not covered in the bankruptcy laws.

  2. lISA says:


  3. Lesley says:

    I have my wages garnished and I have credit card debit, and it’s hard making payments and trying to pay rent, keep food in the house and pay other bills, I need help PLEASE…

  4. Elizabeth says:

    I have so many unpaid bills and reposeseions I cannot get a loan to purchase a home. I make pretty good money but no one will loan me the money because of my credit history.

  5. BRYAN says:


  6. byron says:

    my wages are being garnesed i cant afford this i dont make enough money to take care of evey thing else and if you can help me would i have to come up with all the money at one time

  7. Alice says:

    I am running out of money in my IRA account. My sole income each month is from my Social Security benefit. I have been paying my credit cards from my IRA account. When it is closed I have no other way to pay my credit cards on top of my utility bills, meals, cable, etc. I need help asap. Thanks.

  8. Linda says:

    I’m just keeping my head above water. I have credit card debt of approximately $11,000, a mortgage of $576 and a home equity loan of $200/mo. and my monthly income is approximately $1700. I make minimum payments on the charge cards. I am struggling and need financial relief before I go under.

  9. Anonymous says:

    It is unfair for my wages to be garnished for something that was paid back or was not owed.It is not easy bringing home under half of your paycheck with rent to be paid because i make enough to buy a house but can’t because of judgements and credit issues from the first people that you go to for assistant and they turn around and take from you after they allowed others to rob them and here i am trying to be a law abiding citizen what do they do for me use me as an example. Please can some one stop this madness.

  10. Vashti says:

    I love my home, but i’m currently paying two and a half times what its worth. I just need my payment under a 1,000 a month and that I can surely make and stay in my home. I can’t get my back wall fixed before it falls in because i’m robbing peter to pay paul, so the wall has to fall.

  11. Vashti says:

    I had a funny situation when my friend made me swallow a triple dose of Levitra pill so I can no longer wear pants for a day )) Talking about side effects from an overdose, I had only blue vision. Viagra from online drugstore is a wonderful drug but take it only according to the instructions.

  12. Charmaine says:

    Can they still garnish my wages after 11 years not only that they pick the job that they want to garnish I did worked for a transportation company they didnt touch my wages for a year and this was in 2010 now that Im working a job that pays more they garnished it with in 5 months

  13. Peter says:

    You are not alone. For most people that we meet, paying day-to-day living expenses is the best they can do. There just isn’t any money left over to pay accumulated debt. I am sure we can help your sort out your finances and obtain some peace of mind!


  14. Carol C says:

    I have read all of the comments and they all seem small compared to our situation. We are a retired couple in our 60’s. Husband suffered a stroke a year ago, and has other more resent health problems. Spent 2 months in a Nursing home trying to recover, and I had to quit my job to be at home with him. The debt just piled up–owing $25,000 in credit card debt, $15,000 in personal loan. AND trying to do this on only Social Security and a small pension. If anyone needs HELP we do.

  15. kathy says:

    I,m trying to pay my bills and I do ,but there was a judgement put on 9 years ago,i lost my job an had lung surg .an ankle I did not work for 5 years my boyfriend at the time tried to work things out with them but could no he payed all my creditcards off.but they would not work with judgement for the I gave them the car back an now they want more then I paid for what do I do I 25,000.00 in credit card det. but I am trying to pay but I can not with garnishment..what do I do??????????

  16. Axel says:

    I lost my job 4 month ago , child support office raise my the payment, I have to pay the morgage, gas, electric,water, insurance,cars, and if I dont pay child support I will be arrested, If I dont pay the house will be forclosure, I f dont pay gas or electric we will die freezing by hipotermia in the house. It is kind of obious that somethig is going to happen to us. God help us.

  17. Shawn says:

    I’m currently having my wages garnished for the third time…I also have have other credit debt. I just finished college so I will have to start paying my student loan soon. I have a car loan that I’m currently falling behind in. It hard to put pay rent, put food on the table, and constantly keep my head above water while being a single parent with one income. I just want a fresh start so my son and I can have a better future with out the constant struggle. Please help me!

  18. Bev. says:

    My husband died 4 years ago and I made some poor judgement calls trying to survive AND help my family to survive by taking out 401K loans thru work. This left me paying out more money than I had to survive. THEN my place of business closed leaving me to default on everything. My only income is unemployment. I do not know what to do… HELP!!!

  19. Tracie says:

    My car was reposessed, I’ve been evicted twice and I have a lot of medical bills as well as credit cards, cell phones, utility bills and bank overdraft fees. I currently can’t get a decent apartment because of my credit history and I’m living with a family member. I’m out of work right now but receive disability through my union but I do plan on going back to work hopefully in February. I just need a fresh start, I’ve learned a valuable lesson when it comes to being careless about my credit.

  20. Patricia says:

    I submitted questionare. My home is in Erie county foreclosure with a home mod schedule. I made the first payment march 1st. Bank of america sold the loan and servicing has changed. Loan was again securitized .Is this home mod null and void as Bank of America does not own note and mortgage. How do I get the complaint dismissed from Erie county court system?

  21. Angela says:

    I took my own debt in my divorce, I am on credit counseling program paying off 18,000 on one income. I have 2 kids and cant afford to really even buy enough food. I now have to take a lower paying job due to discrimination and wont be able to afford what I now pay. 20+ creditors will soon be taking me to court for the money I owe, I don’t want to end up on social services, I need help.

  22. Patricia says:

    I am 74 years old and have a fixed income. I have had my vehicle repossessed as the house I co-own was going into foreclosure . Having the responsibility of the care of my disabled son (42 years old) I had to make a choice. The Orleans County Office of the aging has recommended your office. I have bills I cannot keep up with. I have to get some relief as I have cognitive heart disease and cannot handle all that is coming at me.

  23. Chris says:

    Good Evening Mr. Grubea,

    I am not sure if you can help me. It has been a never ending struggle and wished for many years I could have financial freedom and live a normal life. With student loans approaching almost 300k and other debt equaling out to almost 20k, I wished that someday I would have the opportunity to rebuild my financial future. Every time I think I am moving forward, I move backward 3 steps. I recently applied for chapter 7 in 2014 and was finally for once in my life turning things around and getting ahead. I got sick in 2015 and then went backward again. It has cost me my relationship with the women I have loved for almost 20 years and reminded daily to my children that their father is a loser. Recently totally embarrassed I will hit 15% wage garnishment with my employer, I do not know what direction to go. Honestly, I am at a complete lost. No retirement, no assets and about 25-30 years left to work, I really do not see a light at the end of the tunnel. I know you have helped many people but with my situation, I feel this is looking helpless with no direction to turn to. Kindest regards, Chris

  24. Peter says:

    Generally, the time period to purchase a home after a chapter 7 filing can be as little as 2 years. For car loans, the time period can be even shorter, but the longer you wait after filing, the lower the interest rate will be.

  25. Alexandria says:

    I am 38 years old my credit is 419 because I decided to go to school to better my like and I i got sick and had no health ins in college so now i have all kinds of medical bills and student loans I became disabled I’m applying for disability I have less than $200 in credit card debt I work part time and live of $800 a month I feel like i will never be able to own a home or newer reliable car because of my credit and there is nothing left over at all to even start chipping away at my debt i didnt not pay taxes or go on shopping sprees with credit cards I got sick and went to school and it ruined my life

  26. James says:

    I had paid every debt I had until August 2017. I paid my rent as I always had for 11 years on time and many times before due date at 10:30 am August 1st. At 5:40 pm, my landlord handed me a paper stating I must vacate the premises within 30 days as the house has been sold. I had just paid all my bills and had very little money left until I receive my SS, military pay and a small hospital pension at the end of the month. I called my debtors to explain why I will be late on payment for next two months they stated they will work with me. October I was informed by them all I was late and late charges will be applied. I told them I called in August. They all stated, “we have no record of that”. We had to get into a town home that is too expensive for us as it was the only place available on short notice. So now we are broke and all the debtors are about to start action against us. I wanted to pay my debts but no one will help me. This is my only alternative. Thank you.

  27. Paul says:

    I have about $45,000 in rev credit debt. I am married and all the cards are in my name only. Can I file a backruptcy on this debt and still keep my home mortgage payment and my car. This doesn’t effect my spouse as she has her own job and a few bills in her own name.

    • Peter says:

      Your debt level is above the average that we typically see. This could raise red flags in a chapter 7, depending on why the debt was incurred and whether you the ability to pay any of it back. While your spouse does not have to file with you, her income and expenses will be taken into account in determining your eligibility for chapter 7 or in a chapter 13 to determine how much you have to pay back. There is not risk to your car or home, as we would make sure that both are protected in either type of case.

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