CH 13 bankruptcy & tax refund? anyone know? sm
Posted By: help!! on 2006-01-13
In Reply to:
Do you get back ANY of your tax refund? Who asks how much you got? and then what?
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Refund
By law, the landlord has to have receipts and proof of their work and that the work was justified. If you feel you have been taken by your property management company, call your local Department of Professional Regulation (they monitor licensed real estate brokers and agents, among other professions) and tell them what your problem is. They can mediate in a situation like this and they will also ensure that the licensed real estate professional is acting in a legal and professional manner in handling your deposit. These types of disputes are VERY serious to this organization. Mishandling of tenant's deposits can get an agent or broker's license suspended or revoked. It's definitely worth checking out. Good luck to you!
Tax refund
My federal tax refund came within 7-10 days and my state came about 3 weeks later.
MQ-Bankruptcy
I don't think that you would have to worry about MQ going the bankruptcy route but I would think that they would be bought out by someone else. I don't know what numbers that other person is looking at and giving such a rosey picture about MQ but all you have to do is read the latest SEC filing report that MQ put out on Aug 19th . Due to their problems with the SEC, all financial manners need to be made public so this info is out there for anyone to see. They clearly stated that they expected their revenue to continue to decline and it also states the millions that are being spent on lawyers for the 6 lawsuits and the amount of money spent on buy out contracts for the higher ups, the amount is unbelievable and keep in mind that as far as I know, now of the lawsuits are settled so the lawyer fees will continue rising. Go to Yahoo stocks, put in Medquist and you can read all this yourself. I think their stock is under MEDQ. If anything they are setting themselves up to be bought out by someone else. Anyone else have any thoughts on this???
Bankruptcy or not??
I am deeply in debt after the birth of my son with a pending law suit. Have any of you declared bankruptcy to later regret it. Right now it looks like a good option but I am not quite sure I am ready to give up quite yet. Any options or advice would be appreciated.
Thanks
Bankruptcy
We just filed bankruptcy last year, chpt 13. The only regret I have is that I put myself in the situation of being in trouble. We were about to be sued also, but a company that we were actually making payments to and I was in contact with them every week. I previously did collections, so knew communication was key, or so I thought. I do not regret filing it, as it is a lot less, a whole lot less stressful since we filed. I just have guilt about being in that situation. I think you have to realize that the relief of the stress of a bad financial situation can be very good. My husband and I were on the edge of a cliff called divorce, my kids were suffering the "bad moods" that all the financial stress put us in, and then I had surgery so our payments to everyone had to go down during my 6 week recovery and that is when they got nasty. Bankruptcy helped to save my marriage, and gave me peace to be able to spend more quality time with my kids too. No regrets about filing! I would do it again in a heartbeat to reap the peace that came from it. Believe me the peace far outweighs the guilt I feel for being in a bad situation. I hope this helps. Financial stress is the worst!! Just to add, if you do decide to file, just remember the important thing is to learn from the experience. I have a friend who has filed 3 times and has not learned a thing:(
Bankruptcy
Bankruptcy is never a good option. Not only does it stain your credit, it is not honorable.
bankruptcy (sm)
I'm becoming overwhelmed in debt. I have taken a pay cut at my job, am in school for a new trade, and have been using my credit cards to pay bills, on top of usual cost of living and upside down on car loan, and student loans are looming. I feel like i'm going to be swallowed up, i'm a single income. I have a panicky feeling about this, i'm around 35K in debt, and this year i'm going to make around 30K (if that). How hard is it to file? What do I need? Any personal stories? Is it easy? I need relief from this Any advice welcome!
Bankruptcy
Both my daughters had problems and went through Consumer Credit Counseling Service--not one of the so-called credit agencies floating around that aren't legal, the CCCS is pretty good. Also, in Ohio, where I live, don't know if this is everywhere or not, before you file you have to attend a counseling session to see if you are even eligible!! And then perhaps go through the court system to try to pay off debt in three or four years instead of a complete bankruptcy. My grandson is going through this now. I personally have not ever filed but do feel empathy for anyone in your position. Perhaps you have a relative or friend who could help temporarily?
Bankruptcy. sm
Contact your credit card companies and try to work out a lower interest rate. Tell them (honestly) that you are on the verge of filing. A friend of mine did this and rates were lowered considerably.
bankruptcy
any suggestion what to do then?
bankruptcy
I will do that now. All communication has been through e-mail. I have the bounced check of $8196 with me.
When she sent two checks last time, she said someone at courier company must have tore the envelope and took out one check and insisted that she sent two checks only. I received only one.
Not only this, she is an expert in fooling and now it seems I am an expert in getting fooled!
I don't want an exchange, I want a refund.
I'm not stupid and know how to configure the foot pedal. Even though I had done everything to get it to work, I still followed the directions of your company and it still would not work. I find it funny that one pedal doesn't work and one does, at least temporarily, and yet it is "my issue" and not yours. I have every e-mail and not once was it mentioned it was a software or computer issue. I've even had my IT guy work with it and he said it just isn't compatible, that there is a switch issue in the pedal most likely.
I'm through with this. I'll file my complaints as stated above, but I have better things to do with my time than to continue this. I stand by everything I have said.
1 cent refund
that is absolutely unbelievable -- they are totally out of it!! i would definitely be calling and asking what were they thinking?
Can you get a refund on your family??? LOL
Come to Texas!! Just the two of us (me and my roomie) and the pups, turkey, football, no rugrats this year (we're doing family Christmas tomorrow).
Seriously, sharing the Word is one thing, condemning others is God's place not a humans. Tell him you're engaged! Then, break the "engagement" the day AFTER Christmas LOLOL.
chapter 13 & refund
I am told that you have to send a copy to your Chapter 13 Trustee every year for three years. If you get a refund they will hold it -- which I think is fair and I have no problem them doing it as I want to pay off what I can to the creditors. You can get back part of the refund if you owe state or city taxes. Your friends did something wrong and fradulent. I have not heard of one who got back their entire refund but I don't know everyone. But my attorney definitely told me that for three years if I have anything coming, I will not get it. I work both as an employee and have my business. I just estimate and don't overwithold.
Rapid Refund
Has anyone tried any online rapid refund tax services.....
So obviously anyone entitled to a refund....sm
then will be eligible for this? I also know people who don't pay a dime all year and then end up getting a refund at the end of the year because of the earned income credit, etc. So those people will definitely get this, correct?
Tax break, tax refund
Yes, Bush is waiting on Congress to pass his emergency tactic to keep the economy from nose diving. He says this will stimulate the economy by us spending it. I say, it's another Bush tactic to try and stave off a recession while he is turning out his last days in office. I say, it is ridiculous. Take care of the infrastructure, the middle class, strength education, jobs, job retraining for older adults, etc., etc., etc.
quesion on tax refund
for those of you that filed early how long did it take for you to receive your tax refund check in your direct deposit account? Thanks! Trying to estimate when I can expect mine.
Anyone more updates on MQ bankruptcy?
 When I read that note on this board a week or two ago, it got me really worried. I'm working really hard right now training on a new MQ account, and the thought of losing my job in the near future makes me want to cry. Any feedback out there? Does anyone know what's going on?
Bankruptcy vs counseling
I went through an ugly, expensive divorce - after 22+ years. He had the girlfriend but he wanted me to loose everything and fought through several attorneys. I tried the counseling -- finally went through Christian counseling as their fees were the lowest and they seemed the most honest -- but after everything and to keep my house did file Chapter 13. I feel better doing the Chapter 13 as at least I am paying back something to everyone and did not leave them all hanging. Am paying back 25 cents on the dollar to credit cards. Just be careful should they offer you to cut down the balance if you will "pay in full" as what is not paid will be considered "income" and you have to pay income tax on it. I still do not feel good with doing the Chapter 13 and don't understand how a lot of people can do this several times as I saw in court when I went there. It is not easy to walk away from the debts that you made and truly owe but there are some circumstances that make it necessary. I for one am glad of the new laws as I don't think it is truly unfair to make people make an attempt to pay back what they owe, at least partial. Some of the counseling groups I talked with -- the ones with the best reputations-- were going to charge anywhere from $100 to $150 to handle my money and I could be putting that on a payment to a credit card and so Iooked long and hard. You can also negotiate directly with your credit cards but they put a "stop use" on them and you cannot be late with one payment. But make an attempt and you will feel better about yourself. Just my thoughts and experience. Patti
Bankruptcy, after the fact...
I would do everything you could, credit counseling, combine debt, anything but file for BK. It is so hard after that if you ever need anything that depends on your credit. Most things you CAN get, but at outrageous percentage rates. Some things you won't even be considered for. Right after I filed I had to take my dog to the vet and she needed surgery that cost about $2000. They give credit to people... with good credit. I had to borrow money from my dad on that one. I don't know what would have happened if he wasn't there for me. Then my A/C broke down... again, no credit. I was struggling to make my credit card payments, but I knew I could keep paying them down until a family member told me how easy it was to file BK, so I did. I still regret it.
He files for bankruptcy -- that's how
I have heard that he filed for bankruptcy a couple of times-- therefore not forced to pay the IC people. However, enough of this crap has continued on and Toth should be shut down!
Are the people who are talking about a refund only the ones on DQS? (nm)
pathetic refund back to CEO
you go girl!! tell him you want your postage reimbursed - haha!!
Tax refund is NOT abusing welfare. If you
x
Anyone efile with H&R? How long before you got your refund?
I efiled with direct deposit and am just wondering how long I'm gonna have to wait... the kiddies are hungry and the paycheck isn't cutting it.
Bankruptcy - it won't happen -- don't worry!!
MQ is strong, improving, and moving forward in a confident way. Look -- i've been through the worry-mill over this, plenty enough for both of us -- did some figuring, consulted some business people -- took on a second job awhile -- and finally came to the conclusion, all is well and there was no need to worry about things that would likely never take place. Believe me, if there was good reason to jump ship, i'd have been long gone. Relax, you'll do a better job and be happier. Its going to be fine, and i'm not a better, but i'd bet the farm on that (literally).
This is the worst thing you can do, next to bankruptcy...
Any accounts included in a consumer credit counseling plan will show as "closed by creditor" on your credit report and will really pull down your FICO score. Also, CC companies normally will not lower your interest rate unless you are at least 90 days delinquent. They will then because at 90 days you are close to a charge-off. If you go 90 days delinquent, of course you have just damaged your credit.
Occasionally, people with a top credit rating can negotiate a lower rate, but only if they have a relatively small balance and threaten to close the account.
It all started with a discussion about bankruptcy or something like that.
With this new board format, the name and email automatically get carried over to your next posts. Honestly, it doesn't matter to me what name someone uses. Sometimes you have to let people on these boards know your areas of expertise or else they'll keep on arguing even when they know nothing about the topic of discussion. I happen to like fbm (former bank manager) because she's real and knows what she's talking about.
They WILL refund your money as long as you complain
loud and long enough. I did and I got a refund. I turned around and plunked that money on the Career Step course and have been transcribing for 11 years since then. Good luck to you!
Get a refund? Check details of your auction
Hopefully your auction included the potenitality of a refund (buyer may or may not have known of a defect) and there is often a buyer's protection offered for items of this amount. Check out those possibilities quickly as you don't have unlimited time to make a claim.
I would unplug the C-phone and then unseat and re-seat all connectors. Make sure you have the connectors in the right way, and also of course check that volume control :) !
good luck.
I did it that way and had my refund in 5 days deposited into my account. sm
Your information is never truly safe from anyone; however, I think giving it to the government might be safer than not.
I have no qualms doing it.
Bankruptcy is not that bad- filed earlier this year and
bought a truck 2 months ago and I am currently working with Lending Tree to buy a house and hope to close in the next month. So there is life after bankruptcy.
I can't do bankruptcy as I own some property with people (my only asset) and I don't - sm
want to have to sell that or even have them know my problems. I know my meager Roth IRA and car would be safe, and I have no assets to speak of and really don't want to sell all my belongings though it would neaten up the house some (not my house). But as I said 3-5 more years tops and it will be gone then I will be doing quite well as long as no more disasters strike in the meantime. Feel like all I do is work but it will be worth it in the long run and I just don't want to deal with bankruptcy. I had a friend do it and she has done well. Has since bought a new home (had a $25K settlement from a car accident after her bankruptcy) and is doing okay, scraping by but managing. Has bought several cars (used) after the bankruptcy, had a killer interest rate though, that is where they get you. You have very high interest on any loans for a while until you can prove yourself. Do what you need to do for yourself.
Some info on credit counseling vs bankruptcy
This is just a heads up for those that were questioning about your choices. I was doing some research on a cancellation of debt form - 1099-C that I am doing for my ex-husband as he never paid me the $9720 he owed me and found on a web page that some of the people that are going through Credit Counseling now are getting 1099-C for some canellation of the debt from credit card companies. If they forgive this debt, then you have to claim it on your income tax as "INCOME" so think about this in your situation. If you are going through a counseling agency ask them if any of your accounts can give you a 1099-C for anything that they forgive you and the only way that they can't is through Bankruptcy. So that is another consideration when wondering which way to go. As for me, I have a signed promissory note signed and it is not a verbal agreement, was not in the divorce and he just never paid. So I get to put on 12 years of interest at 10% plus late fees and he will end up paying the IRS instead of me but I get a tax deduction of $3000 per year until the 21K is used up. So that is fine, he doesn't have to pay me and I will cancel out his debt, but Uncle Sam is not as forgiving as me. But I wanted everyone to be aware of this as it tempting to pay a credit card company only 50% of what you owe them but thing of putting that other 50% on your income tax forms. Patti
My refund was for 2 cents. I am sending it back along with a letter to the CEO
and ask them why per contract I did not get the raise promised me in 90 days. I no longer work for them, but hey, I am not going to let this opportunity slip by.
It makes no sense to spend more money than the check was to get it to you and for a company to be that wasteful, you wonder what is in the back of their mind. For both you and me, good thing we did not go run and try to spend it in one place!
Something stinks there!
You need to consult a bankruptcy attorney on that one. Good luck...
I can't ever remember a question of bankruptcy on an employment application. They usually just as
s
Yes, write some letters to the Dell people....if you make some noise you will get your refund.
and mail/fax whatever-- get their attention....don't be outright nasty but you can get pissy a little. It will work and you will get your money back.
Talk to an attorney. The bankruptcy laws have changed considerably in recent years and you need to s
x
How long by mail did it take to get your IRS refund check after a mail out date was given when you c
;
Aw come one give her a break. She said she was sorry and is willing to refund. Give her a chance to
do what is right. If she fails to do what is right, then go about this in an adult way and not act like such a child. "you suck" That is so immature.
She is responding to you and you are eating her alive. Why would she put herself out there to be treated like this if she didnt mean it.
I am really astonished at how people can act on here. Would you treat people like this in person? If you do, I cant imagine you having very many friends.
Remember we are all "HUMAN."
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