Business Bankruptcy Law | Small Business Bankruptcy Laws

What are my chances of getting into the University of Illinois?
I want to apply for General, then maybe switch to either Business or Engineering.

Here are my scores-

G.P.A

3.4 W
3.4UW

ACT – 27

Extra-

President and founder of FBLA chapter at my school. – 3 Years
Freshman Basketball
Amnesty International – Years
MSA – 4 Years
Around 175 hours of volunteering
Played piano for 11 years
Summer internship in a Software company

Please advise me on how to move forward. I am still working on my ACT, trying to get it at 29+.

we are together for 3 years. he will never cheat on me but Im having problems with his female friend that he met in business class this year and since then they’ve been texting to each other and going out for shopping. the other day he didn’t go to class to take her to the mall and I lost control and I got her phone number and called her. I started to curse at her then later my boyfriend got pissed of and broke up with me. we got back together again last week and I told him that I was sorry and that it would be better if I met her. he refused to introduce his friend and everytime that hisis talking to his friends on the phone I have to keep my mouth shut bc he said to his friends that we are not together anymore and he doesn’t want to feel stupid around them. so I got really upset and he broke up with me again on Tuesday and back again on Friday. yesterday he told me that he slep over at her place on Tuesday but didn’t tell me the reason why and he swears that they didn’t have any physical contact. he slept on a separate bed in the same room. so today I went to check his text messages to find out why he went there. she started with " omg I can’t finish my paper and I have to study 13 chapters for tomorrows exam, can you come over to help me?" he said " yes why not I’ll be there in 15 min" then she said" oh you’re my hero". this is not the first time that she tells him to go to her house. since he started to go out with her he hasn’t take me to anywhere. he never help me to study like he helped his friend. He told me that they would never get involved because she is ugly, much older then him and she is probably dirty cuz she is a typical bartender that sleeps around. lately he’s been asking me for more freedom (which he never asked me before), wants to experience more things in life and not having only one gf stuck in his whole life. he said he will sleep over and go out with her as much as is necessary. am I paranoid or I have my reasons to be worried about this skank? I don’t mind him having friends but why being friends with such person? I don’t think she is a good influence to him. she is 29. he is 22 and I’m also 22. PS: I need serious answers please, I’m trying to save my relationship.

I joined the family business 3 years ago, after my MBA. I found a business with lots of debt, close to bankruptcy. We have been in a Chapter 11 type procedure since my arrival.

A financial offer to all the creditors must be formulated soon, or the company will go into liquidation. In both situations, I think I want to leave the company.

If it goes into liquidation, it is obvious, there won’t be any company left. If there is an offer, it will be made by a financial "partner" with who there are numerous conflicts already, and I don’t see any future with them for me.

I am wondering how I can "resell" my profile. Indeed, while I am on the paper a CFO/COO with MBA at a young age, there are 2 scenarios:
- If I leave the company in bad shape: I did not manage to turn around the business, and it does not look like a succesful experience
- If I leave a saved company: how to justify such a decision (in reality motivated by relational more than professional factors)

Thanks in adv.

I will make a prediction. WWE, Inc. (owned by majority shareholder Vince K. McMahon) will file for Chapter 7 (Liquidation not 11 Reorganization) in 2 or 3 years! My premises:

1. This Youth Movement
2. WWE, Inc. is out of goals and ideas
3. Not a good business plan
4. Vince is the chairman
I never mentioned Del Rio. I could care less that he won the RR!

For the first time, I find myself at a crossroads I have never experienced before. Any thoughts or opinions would be greatly appreciated. (The story will be long…so thanks in advance for your time in reading it).

I am currently a Residential Property Manager, living and working in the Philadelphia suburbs. I have been in Property Management for 13 years (10 years in Los Angeles and 3 years in PA). I have been with my current employer just over 3 yrs. I work for a small company, basically it’s me and the owner. Lets call the owner "B". My FT salary is not enough to cover all of my monthly expenses, so I’ve been bleeding money every month, since I got here.

I’ve stayed with "B" for a few reasons: First, "B" is self-made millionaire and I am learning how he did it and how he maintains it, which I believe to be an invaluable experience that could not be had anywhere else. Second, I have a strong sense of loyalty and do not want to walk out and leave him in a bad spot.

The first change "B" made (and it was done with no warning what-so-ever) was to cut my hours in-half (from FT to 20 hrs a week). Because of this, instead of the minimal amount of bleeding, that I have been putting up with, it is now substantial and un-sustainable. At this rate I will completely broke in 3 months. Also because of this change, extremely important tasks are not getting done, due to the lack of time. Many facets of the company are already in complete dis-array and it’s only a matter of time before things get even worse. I really hate to see this happening and both of these items bother me equally as much.

About a week after "B" made that shocking change, there was suddenly someone new in the office. A long time friend of my boss’, who is the COO is a software company (currently). Lets call him "A". "A" immediately took over all the leasing activities and is slowly making other procedural changes to the company, not only to what I do, but with the maintenance guys, as well. "A" stays here for a week, than goes "home" to his other job/family for 4 days, then returns again.

Just this last week, now there is another new person in the office. Lets call her "M". "M" was presented to me as someone who was there to "help with the filing and administrative tasks". However, "M" seems to be doing more than that. On Friday I was asked to teach "M" how to do the payables and "A" took her on an all-day tour of all the properties. On a side note: "M" is as sweet a pie to "B" and "A", but has been abrasive, rude and full of attitude with me.

So, my first question is: What is going on here? None of these changes make any sense. Everything was running smoothly and efficiently before these changes and all these changes have done is create chaos and disaster. (I’m the type of person that would recognize/admit if there was something wrong with my performance. There wasn’t. Everything was in good order, just as it has been for the last 3 yrs).

So, now I’m presented with a cross-roads, as to what I should do now. Obviously, I cannot continue like this and allow myself to spiral into bankruptcy!

But, before you answer that questions, I need add some more information.

In February, I got my license and become a REALTOR. My only real client at this point, is "B". Who, despite what is going on, is still making offers on new properties (which means commissions for me). Trying to get new clients (other than "B" has been very difficult and has not gone well).

A little about my background:

I have a BS in Business Administration and a BS in Information Technology.

Despite that training, one thing I have always wanted to do is be a truck driver (don’t ask — just something I always thought I would like). I should mention that I have never liked Property Management, nor have I ever been truly happy doing it. I came very close to becoming a trucker years ago, but due to family circumstances I got shuffled into the being a Property Manager and have just stayed with it.

What is available to me right now:

My best friend (and godson) live in Gainesville, FL. Whenever I want to leave, I have a home waiting for me there.

Unfortunately, from what I can tell looking at job boards, Gainesville does not seem to be a hot bed of great jobs and I haven’t the slightest idea of the condition of the RE market there.

On the plus side: I have a home waiting for me, people that are closer to me than my family waiting for me and the cost of living in Gainesville is almost half of what it is here (e.g. most things are half the cost there, versus here in Philly).

With all this being said: If it were you, what would you think and do? Should I try to secure a job

we are together for 3 years. he will never cheat on me but Im having problems with his female friend that he met in business class this year and since then they’ve been texting to each other and going out for shopping. the other day he didn’t go to class to take her to the mall and I lost control and I got her phone number and called her. I started to curse at her then later my boyfriend got pissed of and broke up with me. we got back together again last week and I told him that I was sorry and that it would be better if I met her. he refused to introduce his friend bc he is afraid that I might rip her face off. everytime that hisis talking to his friends on the phone I have to keep my mouth shut bc he said to his friends that we are not together anymore and he doesn’t want to feel stupid around them. so I got really upset and he broke up with me again on Tuesday and back again on Friday. yesterday he told me that he slep over at her place on Tuesday but didn’t tell me the reason why and he swears that they didn’t have any physical contact. he slept on a separate bed in the same room. so today I went to check his text messages to find out why he went there. she started with " omg I can’t finish my paper and I have to study 13 chapters for tomorrows exam, can you come over to help me?" he said " yes why not I’ll be there in 15 min" then she said" oh you’re my hero". this is not the first time that she tells him to go to her house. since he started to go out with her he hasn’t take me to anywhere. he never help me to study like he helped his friend. He told me that they would never get involved because she is ugly, much older then him and she is probably dirty cuz she is a typical bartender that sleeps around. lately he’s been asking me for more freedom (which he never asked me before), wants to experience more things in life and not having only one gf stuck in his whole life. he said he will sleep over and go out with her as much as is necessary. am I paranoid or I have my reasons to be worried about this skank? I don’t mind him having friends but why being friends with such person? I don’t think she is a good influence to him. he is a honest guy. he never hides anything from me.           she is 29. he is 22 and I’m also 22. PS: I need serious answers please, I’m trying to save my relationship.

So I’ve written a book, aimed at teenaged boys aged 11-15, that is 99 pages so far on Word Document in size 12 Times New Roman. This was almost 3 years’ work, people. And just when the ending is in sight… i get stuck.

The plotline so far is as follows (and yes, it sounds cheezy this compressed, but doesn’t every plotline):
There’s a ninja called Dark, who goes around the crime-filled City (no name other than the City is given) stopping crime – think Batman. Now, in real life (daily life) he is a 17 year old boy called Caleb Risley, and he is uber-rich. The reason for this wealth, although until maybe chapter four Caleb doesn’t know it, is that his father, Bernard Risley, is the kingpin of all crime that goes on in not only the city, but also most of the country.
They live in a mansion guarded by lots of guards (yet to be decided how many, but it’s quite a few, you can be sure). Now, Caleb’s been discovered as being Dark, and now he’s back in the mansion to take down his father. All the guards know it’s him.
He’s lit dozens of smokebombs on the third floor, where he is, and the guards have decided to go out and protect the perimetre until the smoke clears – they didn’t see him hiding right under their noses under a white sheet.
And now i have the problem. I know the end – he has Mr Risley at gunpoint, then realises he can’t shoot his own father, so gives him a chance and walks away. Mr Risley takes a shot at him, and Dark turns back and shoots on reflex. "No second chances."

But this is the climax! It needs to be bigger than everything else that has happened – bigger than the bank robbery which he stopped, bigger than the huge drug export business that he brought to its knees, bigger even than being captured and using the stunned silence to get away. But how do i make it big, when all he has to do is find some way to get from the third floor, vacant of all guards, to the second, where his father’s huge room is and where the Kingpin is sure to be?

Please help! I had meant to get this book finished a month and a half ago, but i have this block, and it’s time to get other people’s opinions.

Thank you.

Think big. I love the ideas so far, thank you so much!
In fact, Caleb has fallen in love, and the Kingpin kidnapped Kelly (that’s her name) and brought her to the mansion to lure Dark there. Dark saved her, but they haven’t gotten out of the grounds yet, and Dark still has to kill Mr Risley, so she’s asleep hidden out of the way at the moment (asleep because it’s like 3am, so she fell straight asleep). All Dark has to do is get one story down and along a bit, and burst into the Kingpin’s room. All the guards have gone outside until the smoke from the smokebombs have cleared.
So how do i make it exciting, dangerous, life-threatening?
And no, Dark has no evil sibling, or sibling at all, for that matter. That’s part of one of my themes – he was such a lonely child with the huge mansion to himself, that he had to make friends with the security guards and employees. His best friend, Troy, (a security guard) is at the moment tied up and under guard himself for not shooting when he had the chance.
And no, Dark has no evil sibling, or sibling at all, for that matter. That’s part of one of my themes – he was such a lonely child with the huge mansion to himself, that he had to make friends with the security guards and employees. His best friend, Troy, (a security guard) is at the moment tied up and under guard himself for not shooting when he had the chance. dammit, i just posted an edit twice. whoops.
I’m actually amazed at the mind-reading powers of answerers – Caleb has a girlfriend, Kelly, and his mother was shot by the Kingpin. Maybe i’m just predictable

I joined the family business 3 years ago, after my MBA. I found a business with lots of debt, close to bankruptcy. We have been in a Chapter 11 type procedure since my arrival.

A financial offer to all the creditors must be formulated soon, or the company will go into liquidation. In both situations, I think I want to leave the company.

If it goes into liquidation, it is obvious, there won’t be any company left. If there is an offer, it will be made by a financial "partner" with who there are numerous conflicts already, and I don’t see any future with them for me.

I am wondering how I can "resell" my profile. Indeed, while I am on the paper a CFO/COO with MBA at a young age, there are 2 scenarios:
- If I leave the company in bad shape: I did not manage to turn around the business, and it does not look like a succesful experience
- If I leave a saved company: how to justify such a decision (in reality motivated by relational more than professional factors)

Thanks in adv.

So I’ve written a book, aimed at teenaged boys aged 11-15, that is 99 pages so far on Word Document in size 12 Times New Roman. This was almost 3 years’ work, people. And just when the ending is in sight… i get stuck.

The plotline so far is as follows (and yes, it sounds cheezy this compressed, but doesn’t every plotline):
There’s a ninja called Dark, who goes around the crime-filled City (no name other than the City is given) stopping crime – think Batman. Now, in real life (daily life) he is a 17 year old boy called Caleb Risley, and he is uber-rich. The reason for this wealth, although until maybe chapter four Caleb doesn’t know it, is that his father, Bernard Risley, is the kingpin of all crime that goes on in not only the city, but also most of the country.
They live in a mansion guarded by lots of guards (yet to be decided how many, but it’s quite a few, you can be sure). Now, Caleb’s been discovered as being Dark, and now he’s back in the mansion to take down his father. All the guards know it’s him.
He’s lit dozens of smokebombs on the third floor, where he is, and the guards have decided to go out and protect the perimetre until the smoke clears – they didn’t see him hiding right under their noses under a white sheet.
And now i have the problem. I know the end – he has Mr Risley at gunpoint, then realises he can’t shoot his own father, so gives him a chance and walks away. Mr Risley takes a shot at him, and Dark turns back and shoots on reflex. "No second chances."

But this is the climax! It needs to be bigger than everything else that has happened – bigger than the bank robbery which he stopped, bigger than the huge drug export business that he brought to its knees, bigger even than being captured and using the stunned silence to get away. But how do i make it big, when all he has to do is find some way to get from the third floor, vacant of all guards, to the second, where his father’s huge room is and where the Kingpin is sure to be?

Please help! I had meant to get this book finished a month and a half ago, but i have this block, and it’s time to get other people’s opinions.

Thank you.

Think big.

im a small company been in business 3 years in franklin indiana i have a advertising company that is filing chapter 11 on me. is there something i can file so we can at least try to get some of are money back.

my husband of 1.5 year has been very dishonest with me. A few things happened over the past year and I decided to forgive him and give him another chance. for example when he went to Las Vegas while i was on a business trip and lied about it to me. anyway, today i found out that he filed for chapter 13 bankruptcy about 3 years ago (before we got married) and never told me about it. He also has transferred K worth of debt under my credit cards (i knew about this). I’m totally devastated and thinking about leaving him, I think this is something major to share with your partner before you get married…I’m a professional and make good money and I can’t get over the bankruptcy dishonesty. Anyway idea?

I loaned a "friend" (of 14 years) 00 appx 3 years ago. She was going through a difficult time. She was self employed as a staffer for the car business and after the economy bottomed out she was on the verge of losing her home to foreclosure. She also was about to have her phone shut off and was worried she wouldn’t be able to get back on her feet if she couldn’t conduct her business. Her boyfriend also self employed. He bought things from estate sales and resold them on EBay. Their mortgage was behind by 00, her phone bill was almost 0 and the EBay acct was suspended owing 8.00. At the time my family was doing okay as I had just received some money from an insurance settlement and I had it to loan. I had western unioned her 00 in cash, put her phone bill on my credit card and sent them money through PayPal to pay off the EBay acct.

It was always understood it was a loan but because they were going through such a rough time, I didn’t want to pressure her with a repayment date and just said, "pay me back as soon as you can or if I ever need it back". She has made mention over the last 3 years that she hadn’t forgotten that she will pay me back soon and had once made a payment of 0 dropping her debt to me down to 50.

6 months ago our financial situation had changed. My husbands hours had started to be cut back. At first we juggled and managed but soon after it got worse and we also got hit with a few unexpected bills. I had approached my "friend" and asked if she could pay me back the money she owed me. If she couldn’t handle the whole amount, I would accept payment installments but we really needed that money back. She said she would see what she could do and then shortly after picked a fight with me over something trivial. I saw that ploy for what it was and insisted that she pay me back all of it or else…

She had just filed for chapter 13 BK and stated that she couldn’t be behind on any debt or have a new debt added or it would unwind the BK. I didn’t want to cause any trouble for her but I needed my money back and told her as much. She had promised she would have the money to me by the end of May. The deadline came and went and not a word from her. My husband had finally gotten his hours back but not soon enough and because we had no other money coming in, all we could do was hope she would be honorable and pay, so we held off our creditors as long as we could. As a result our truck, that we had paid diligently for over 3.5 yrs had gotten repossessed. We are going to be able to get it back but we’re going to have to let go of a few other bills to do so and its going to causes us much trouble. The money she owes me would put us right back on track.

I’m starting to see that unless I get "official" with her I’m not going to see my money back any time soon. Recently, on one of the rare occasions when we had a cordial conversation, she had let it slip that she’s had steady employment for the last year and through some sort of loophole, she’s been able to stay in her condo for the last 36 months and her car (a benz) for the last 18 months without having to pay anything and that her boyfriend just bought a new car. Now I’m furious! While my truck sits in a lot as we try to come up with 00 by Friday to get our truck back and try to figure out how we’re going to feed the family and keep the lights on, they’re doing just fine! In what universe does that seem fair? So now I’m ready to role up my sleeves and get serious. You just don’t do that to people, especially after a decade and a half of "friendship". Its all so pathetic and cliche!

Problem is, I live in Colorado and she in California. I looked into it and I can’t sue her in small claims from here. I’d either have to hire a lawyer to handle the suit or file myself but I’d have to do it from there. Obviously can’t afford that right now. I’ve looked into hiring a collection agency but the few that I found that will take on a personal, non-business loan want between 30-50% upfront in fees (and some after). I’ve kept all the proof (WU receipt, credit card bill, paypal transaction showing all the money I sent her, along with the emails where she acknowledges her debt to me and that she would be paying me back what she owed me, in full, by May, 2010).

I want to know if I can hire a lawyer (preferably in SoCal) to scare her into paying me back by sending her a letter on my behalf stating my intent to pursue all my legal options to get the money owed back within 30 days, without having to pay a retainer and if so how much would something like that cost?

And if anyone can think of anything else that I can do to get the money owed to me back, that would be greatly appreciated. Maybe a SoCal atty that would be willing to handle this probono?

Thank
Thank you all in advance for any and all advice. Sorry it was so long but I wanted to add the full history in case someone could think of anything else I could do. Maybe someone knows of a SoCal atty or firm that would be willing to take this on probono?

I am a CPA with 3 years of experience in tax preparation. I am trying to plan my future and career. Any other CPAs / lawyers that can help share opinions or their stories please help.

I do not know if I want to eventually open my own tax service, or somehow narrow my focus to large companies and/or transactions. With this approach I would not be stuck in the "corporate world" and "office politics". I would work hard but reap all of the results. – I guess I could do tax or go to law school and be an estate/trust attorney, or bankruptcy, business formations, something to leverage my accounting background.

On another note, maybe I should head for the industry and work toward executive level opportunities in the future.

Any input is appreciated. I’m still not sure what it takes to reach the goal I decide or what to expect.

Thank you.

Mr. Accountant

So here is the story. we signed a lease for 3 years for a store that already had some inventory and the buildout done. We were upfront and said we had little finance options. so to pay them for the good and buildout we had to pay a certain amount each of the 3 years. we used what little money we had to purchase some store items and more inventory. We were told their sign guy would work with us and work out a deal where we would be able to pay the sign guy a certain monthly amount. turns out this is false! we can not make rent because no one knows we exist without a sign. we cant get a loan for it, and for some reason he is blocking the sale of the store to anyone else. This makes no sense to me as if someone else buys the store and can pay him his money why would he say no to that? So at this point if he dont let us sell we will be forced to just leave the store and be screwed. So my question, then what are our options? I get we would be forced to pay that contract, but it aint gonna happen, no money for it. That being said would we have to file chapter 7, or 13, or is there a way to get rid of that debt without doing that. whats the difference between 7 and 13. Also, would we lose our home or cars since we dont actually own them we are just paying on them?
Glenn- its not an LLC , its under my name and wifes. he hasnt tried selling his self. he has just said i can not sell because the agreement on the contract was with us. even though he told me before signing i could sell as long as they approved the buyer. this is another frustrating point. what happens if he wont let me sell and he doesnt sell the property? am i then entitled to pay? and if he does sell the property but after im evicited, do i still have to pay? if so can there be options for me to get out.

Im currently attending college and I Ihave two credit card debts whichare both 500
so total of 1000
I have aphone bill which got cut off and I owe 300.oo
This happened when I moved to school my job I transfered to didnt put me on the schedule for a while so I had gotten behind payments.My credit is now messed up
when I went to go apply for a loan they told me I didnt qualify niether did my mom
My dad wont help me and my granma cant either.Well now I have a new job but they only give me like 2 days and i only make 100 dollars.
Now i have to pay 400 for my tuition and housing if i stop school and work Iwont have aplace to live
if I dont pay i can get kicked out
I was thinking about going into the navy as my last resort but i honestly dont believe the military is for me
adn I have the chance to go to auditions and use my talents but im afraid it wont get me buy I dont know what to do help please
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Mortgage Dilemma

We are in Chapter 13, really bad credit but both husband and wife make 6 digits each.
Just a little background how we got the bad credit, we use to have a business that went sour and now we just decided to work and makes 6 digits each of us. Now here our dilemma.
We have a two mortgage the first interest is 6.25% and the other one is 11.25%.
We live in the house that is worth 0K here in Maryland. We are paying for the first mortgage ,100 and ,300 for the second mortgage and ,200 for the Chapter 13 so total of ,600/month for mortgage. Since we are in Chapter 13, it makes it impossible to refinance. We have tried www.naca.com but according to them that we cannot be in Chapter 13. We also have tried other refinance company but unfortunately our house when we purchase it is was 9K and 3 years ago since the market is down the value of the house is the same there is no equity and therefore we cannot refinance. So just to summarize why we cannot refi

Keep getting turned down but we are not behind on anything and always pay our bills on time. No defaults, no bankruptcy, relatively good and stable income, but high loan to credit limit ratio, and a couple of recent over the limits while trying to rob Peter to pay Paul, last year was behind on student loan, now caught up! Tired of having to say no to our children when they ask for the smallest things. No breathing room to even go out to eat or a show, not to mention we haven’t had a vacation in over 3 years. I have a part time job that helps some. I work everyday my wife works about 50 hours per week, Missing out on my wife and kids. We are makin it but life has to get better than this. Our relationship is strained. We are gettin tired!
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My question is, how do I get out of a checking account that i co-signed, never used, don’t even know the account number, and now it has been reported to ChexSystems. My own personal accounts for 11 years are closing because my step dad had a negative balance, and ChexSystems has reported it to my accounts. Overdraft fees that he never paid had snowballed to a whopping 0. I never got notices or phone calls from the bank he owed…and don’t get me started with credit cards. I am 000 in debt all because of him. He hid these cards from me until they were in the verge of going thru collections…I have a great job, I’ve always paid my bills on time and had a good credit score…now, I’m forced into bankruptcy (Chapter 13) and he has left me in the dark. How do I stop my own banks from closing my personal accounts? Thank you so much in advance for answering my questions.
By the way, my step dad doesn’t have anything on his name. To be honest, he went to jail for 3 years for fraud. I thought he changed and I wanted to help him put his life back together. Biggest mistake of my life.

BTW, this is copy and pasted, that’s why it seems to randomly jump in. lol

For those who feel the recession started before Obama, it is true that the economy wasn’t the best it’s ever been, but just a small tid bit for you to mull over… gas prices and many other prices (gas is most obvious and easiest example) were going down substantially towards the end of bush’s presidency, but they’ve done nothing but rise since, as the economy fails. Did anybody notice that the economy got shot around september-november, when most people, including business owners, could see that obama would likely win? Maybe those business owners saw this, and many went out of business before this to prevent total bankruptcy? Oh and the person who mentioned healthcare helping everyone, have you ever taken a European history class? they teach about how national healthcare has failed time and time again. for example, Britain after WW II. Why go pay for OTC pills when you could just go to a doctor and get a prescription for free. I’m sure they loved the very long lines. Rant over.
i said gas prices came down towards the end, not 2 years ago, yes i do own a car, i know it was around i believe?, but towards the end it was in the lower , now the upper , in missouri at least it is, yes i have taken a European history class, in fact i just got out of it today and that’s exactly what we were lectured about, which is why i found that post to be quite interesting, lol research it a bit, you’ll find out that britain implemented a national healthcare system after world war 2, which allowed people to do all the stuff in the original post
…. you said the NHS wasnt started til 1948… WW II ended 1945…. i consider 3 years later to be AFTER WW II

I have recently raised my credit score from very poor to poor. I have 4 credit cards that I pay off every month, which has raised my credit score significantly. I am starting my own business and need to apply for a specific kind of license. However, because of this thing, I can’t apply for this license until it is paid off. This thing was left on my by my exhusband. I’ve tried to make him pay but he won’t and the courts says I am responsible since my name is the primary. I was in chapter 13 bankruptcy for 3 years. I had it dismissed when i dismissed my husband. I think that why I keep getting denied. Just because the bankruptcy is on my credit. The banks never ask if it is dismissed or discharged. Can anyone help? I have been denied by the following:
Prosper
CitiFinancial
American General
HSBC
Cash Call
E loan
Bank of America
and the list goes on. Please help. LEGITIMATE HELP PLEASE.

Thank you