I am filing for bankruptcy bc i owe IRS 40K. I have two credit cards and am on time paying my credit cards?

-will filing bankruptcy hurt my credit with credit card companies, will my apr increase?Call the companies and tell them you are in trouble. They will see that you are not including them in the bankruptcy proceedings, and intend to make good on your debt. Ask them not to change anything on your account that could strain your already fragile finances.



They may or may not help. Most likely they will, they have money on the line.Filing for bankruptcy will destroy your credit with everyone, including credit card companies, for 7 to 10 years.



It is nearly certain that your APR will increase. The only realistic way that your APR will stay the same is if your APR is already the highest that the APR is allowed to get. It is also remotely possible that you might die or that terrorists might blow up the credit card company. However, even if the credit card company is destroyed by terrorists, another credit card company would buy the rights to collect the interest and would raise your APR, and you will still be required to pay a higher APR. The only difference would be that it would not be your current credit card company that would be increasing your APR.
How old is the tax debt? If it's less than 3 years old, filing Ch 7 bankruptcy won't discharge them. If you file Ch 13 the penalties will be dropped but you must still pay off the tax that you owe.



Filing bankruptcy will destroy your credit. Your credit card companies will be left holding the bag though you can go back after the bankruptcy and recertify the debt with them. They won't be likely to give you an increase in your credit limit though and they would be likely to raise your APR as much as your contract allows.



If you cannot pay both the IRS and the credit card companies and the taxes cannot be included in bankruptcy it would make more sense to let the bankruptcy clear the credit card debt so that you can free up funds to pay off the IRS. The IRS always comes first (after very basic living expenses and child support) so the credit card companies have little standing.
You do not file bankruptcy "on" a particular debt; you file bankruptcy - period. All debts, owed to everyone, anywhere in the world, MUST be listed and disclosed in you bankruptcy paperwork. The bankruptcy may have different effects on different debts - for example, if you want to keep a car, you have to continue to pay for it, and student loans are usually not dischargeable - but that doesn't mean that those debts aren't "included".



In other words, you don't get to leave out the credit cards.



Some taxes are dischargeable in bankruptcy, some aren't. The laws regarding discharging taxes are complicated and must be analyzed by an attorney.



Nearly all consumer bankruptcy attorneys offer free consultations. Take advantage of this to meet with one and get advice based on all of the details of your particular situation. You can find a referral at NACBA.org (National Association of Consumer Bankruptcy Attorneys).
uh...stop.



Talk to a bankruptcy attty.



odd are that the IRS liens won't be wiped out by a bankruptcy.



And yes, it will kill your credit and your APR's WILL skyrocket in 5 years when you CAN borrow again



uh..no one is increasing a credit line with a pending bankruptcy or an outstanding 40k IRS lien
your interest rates will probably go up and yes, filing bankruptcy is going to destroy your credit. also, you can't include IRS debt in a bankruptcy

What is a good job for a 17 year old to support his family, and what might be good investments?

-I already have a good and have some money invested, but i am looking for better paying options as well as ones with benefits. Also I am very good with saving and budgeting, but i only have enough for about a year at this time. I really want something that could better take care of future finances.

Best way to get sponsors?

-hey, so im a pageant queen. Competing at nationals in fl. Need sponsors. How do i get them without ppl looking at me like "ew pageant girl" thank youNo one will. Write a letter requesting sponsorship, include a photo of yourself, and send it to local businesses and professional organizations. Include in the letter what the pageant is about, your platform if you have one, how the money would be used and why exactly you need sponsors.

Fairly often I get these obvious scam from mostly Africa, sometimes a girl who talks as though I've known her?

-for years, other times form this guy or guys who want o put millions in my account and for that they will give me hundreds of thousands, Y E A H R I G H T !The problem is NOT that I believe such crapola.. Other than just sending them to my trash can,as I always do, I'd like to do more like getting them into big trouble for what I think is probably money laundering, am I right about money laundering ? and what can I do / how and to whom do I report it/There really is not anything you can do yourself. When you get one if you have yahoo e-mail, there is a button you can click on which is Spam so you will never get it again. Click the box next to the e-mail and click on spam to get rid of it and never receive it again. There was a show on TV with Chris Hansen looking into this and they went and exposed some of these people. Maybe you can try to look that up on the internet to read about it. Usually they are from Africa or Nigeria. Scams they are and never believe them or respond or give them any info about yourself. They are just looking for suckers and will steal your money and leave you hi and dry. Never believe or you will be sorry.

Like they say, if it is too good to be true, it usually isn't. They are hard to track, use fictituous names and usually use a public computer in cafes with internet access to do their dirty work.Just can them. they are beyond prosecution and so numerous that unless you actually were fool enough to send money or identity info to them, the authorities just don't have the resources.

What percentage of your income should you generally spend on clothing?

-I'd say anywhere from 10-40%. It would depend on the price, quality, income, and how much clothing you need.I'd say anywhere from 10-40%. It would depend on the price, quality, income, and how much clothing you need.personally i spend 80%of it but then again, I am a 17 year old who only pay 20 a month for car insurance and 10 for phone bill and 100 savings for college.
120%

I owe money to my bank... What can I do?

-I owe almost $1000 to my bank due to overdrawing the account. My bank never warned me of this and I had no idea how it got to this point so quickly. What do I do from here? This has never happened to me before and I am completely lost and scared! I only have a part time job, I'm 21 years old and starting Nursing School soon. Advice or help would be appreciative. Thanks in advance!Time to go to the bank of mom and dad and ask for a loan.

Put it all in writing with re-payment terms and interest rates.

Offer them some collateral for them to hold until loan is paid off
PAY
Prostituting would be a good call at this point.
Talk to your bank manager to sort this. You might be able to freeze the interest.
try doing odd jobs like cleaning or mowing

I can't pay with pay pal account on ebay?

-I had two accounts and closed my one paypal account and I tried to enter my creditcard on it and pops up with the credit card is already used on another another account so what should I do. I don't know which place to put this question in.Here's the correct place to put this question in.



https://www.paypal.com/us/cgi-bin/helpsc鈥?/a>



Click on "call us" and follow the instructions.