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"Have You Ever Filed For Bankruptcy" Question - How Do You Answer??

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kjm79
Valued Contributor

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??


@Guardian wrote:

Pretty sure your RICO violations are federal but what jurisdiction do you mostly find yourself? district I assume? I'm in AZ.  9th District for those unfortunate Fed cases. 

Anyway great to meet you, glad to have you around, at least now I know who I can count on to either back me up or challenge me.  You can count on it!



CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 31 of 38
Guardian
Valued Contributor

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??

9th district, sweet, that's mine too. CA. I don't mind federal cases so much, I hope to get in front of the supreme court one day but that's a hail mary to ever happen, you know how hard it is for that to ever happen. I am counting on it, thanks.

Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 32 of 38
kjm79
Valued Contributor

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??

No offense, but according to westlaw and all the red flags on those CA cases, don't you have better appellate chances than most?  Smiley Wink

CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 33 of 38
Guardian
Valued Contributor

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??


@kjm79 wrote:
No offense, but according to westlaw and all the red flags on those CA cases, don't you have better appellate chances than most?  Smiley Wink

Depends I guess, never thought about it like that. Smiley Surprised I guess it would depend on the type of case. We have a very convoluded and extensive code, I would venture one of the most complex in the country, rivaled probably by New York. Not sure, hmm that's a tough one to call.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 34 of 38
Anonymous
Not applicable

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??

Anyone heard any new attorney jokes?  Smiley Very Happy
Message 35 of 38
Guardian
Valued Contributor

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??


@Anonymous wrote:
Anyone heard any new attorney jokes?  Smiley Very Happy

no new ones, just the good oldies. care to share?


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 36 of 38
Anonymous
Not applicable

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??

OK Guys/Gals,

I'm the original poster and from what I've read it would seem the answer to the original question is answer "yes".  My assumption would be that even when answering yes to the "have you ever" question that it's all ancient history and that it would not have much bearing on my mortgage application since it all took place over ten years ago.  I could be wrong.

Message 37 of 38
Guardian
Valued Contributor

Re: "Have You Ever Filed For Bankruptcy" Question - How Do You Answer??


@Anonymous wrote:

OK Guys/Gals,

I'm the original poster and from what I've read it would seem the answer to the original question is answer "yes".  My assumption would be that even when answering yes to the "have you ever" question that it's all ancient history and that it would not have much bearing on my mortgage application since it all took place over ten years ago.  I could be wrong.


before the financial meltdown, I would have said yeah but given how tight they are now, it might be quite a different story. I guess you have to spin the wheel and see where it lands for your particular situation. good luck.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 38 of 38
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