Monthly Archive: November 2016

Debt settlement and judgments

I have been in debt settlement for about a year and 2 months. i have settled 3 of the five credit cards and have two to go. the situation is that Citibank, of course, is in the process of suing me.

I have received my final notice that i have ten days to respond. i am still saving the money each month with my settlement company but we do not have the money to settle right now, and they do not want to wait.

I do live in Pennsylvania which is a commonwealth state, which i think means that even if they do get a judgment against me they cannot put a lein on the house because the house is in both my husbands and my name. and the credit card is only in my name.there is no wage garnishment in my state either except for child support.

so the way i see it is i really cant stop this without having the money now, which i don’t, and they really cant get anything from me. my credit is not in good shape so i am not concerned about the judgment being on my record, my goal is to settle these last two accounts and not use credit anymore. does anyone have any knowledge on the subject of judgments or any suggestions? thanks!

I am a stay at home mom to four children


I am a stay at home mom to four children two girls and two boys ages 8,5,4, and 10 months old. My husband and I met three years ago and got married a year ago, I had two girls and he had one boy we were both single parents. Than we had our baby!

Life has changed so quickly over the course of a short time. Before we first moved in together I was the director of a small animal rescue and juggled two jobs and living in the house that my ex and I bought, my husband was just out of the military on disability and working two jobs , living with his parents since his son’s mother abandoned them.

I lost my house to my children’s father after two years of tug of war (not over the kids, he just wanted the house). My than fiance and I decided to move in together. The agreement would be that I would be the stay at home mom, we were both paying a lot in day care and he would go back to school and continue to work his two jobs.

Unfortunately our credit was pretty bad so we are working on cleaning that up so we can buy a house. I thought: “I need a loan with almost guaranteed approval“, headed to my favorite website, submitted an application and, surprisingly, got approved almost instantly! In the meantime we live in NJ, wich has one of the highest costs of living. My husband got a better job but we needed a bigger place to live. The lowest we could find for a three to four bedroom house that would accept pets(our dogs are part of the family) is costing us $1500 a month plus we have two car payments wich together add up to $400 a month than our utilities of course(and we pay for the water not the landlord).

We would like to buy a home but we are finding it very difficult to save any money or pay off our old bills. We hired a law firm to help us clean our credit faster and that seems to be moving along nicely.

In the meantime we are barely scraping by and we really need to re-budget everything and figure out a game plan to get us through what seems to be a financial rough patch. My husband works very hard and goes to school,all after serving our country and coming back injured but needing to work to support his family.

We are young in our late 20’s and still paying for thinking that we had money trees in the back yard. Than of course having pasts and exes who helped to demolish our credit. Any suggestions on saving money would be appreciated!

Why is the IRS asking for my 2015 return?

I filed Ch. 7 in late May. I listed the IRS as a creditor in regard to unpaid tax debts for 2011 and 2012. I have not yet filed my 2004 taxes. (I filed for an extension in April.) A few days ago, I received a letter from the IRS stating that I must file my 2015 return immediately or they may file a motion to have the bankruptcy “converted or dismissed.”

What is the IRS up to? What does my 2015 return have to do with the bankruptcy??

Thank you for your assistance.