Business Bankruptcy Law | Small Business Bankruptcy Laws

Now I have talked to many people about this topic and a lot of them say (respected business people) that wal-mart is like K-mart and Woolworth and they will die eventually from under selling the suppliers and a bunch of other stuff. I am about 50 50 here however what they are trying to do as it is become apparent to me is to CRUSH and KILL AND SMASH you if your in business in the retail industry. That’s at least what the deal was until a few years ago now they want to do it to more industries. My cousin wants to become a doctor and he told me that they are trying to open clinics now in some of them (medical industry) so here they go with another industry trying to SMASH you there eventually to go see the doc you might have to go to wal-mart. What’s worse than this? They tried to take over the banking industry too, I was reading that they were trying to buy out banks and I think it was some large bank but thankfully the government passed a law that said that they couldn’t do that but knowing wal-mart they will keep twisting arms until they get what they want. Speaking of which they twist the arms of public officals to get the massive amount of land they need for their stores I mean think about it; do you think I could buy a business that
large even if I had the money? NOPE: environmentalist would be on me in a flash but wal-mart has a way of manipulating people. Also many suppliers like valasic pickles have had to declare bankruptcy due to their limitless demand from them to get lower prices lol. So there we have it are they bound to take over one industry after another? CRUSH KILL DEMOLISH SMASH YOU!! That’s their goal if you want to take on the responsibility of one of the greatest things
in this country being an entrepreneur. So just don’t start your own business or anything they already have food stores in some of these wal-marts so you might not even be able to start something in the restaurant and food industry. Anyway opinions??

Peace

Now I have talked to many people about this topic and a lot of them say (respected business people) that wal-mart is like K-mart and Woolworth and they will die eventually from under selling the suppliers and a bunch of other stuff. I am about 50 50 here however what they are trying to do as it is become apparent to me is to CRUSH and KILL AND SMASH you if your in business in the retail industry. That’s at least what the deal was until a few years ago now they want to do it to more industries. My cousin wants to become a doctor and he told me that they are trying to open clinics now in some of them (medical industry) so here they go with another industry trying to SMASH you there eventually to go see the doc you might have to go to wal-mart. What’s worse than this? They tried to take over the banking industry too, I was reading that they were trying to buy out banks and I think it was some large bank but thankfully the government passed a law that said that they couldn’t do that but knowing wal-mart they will keep twisting arms until they get what they want. Speaking of which they twist the arms of public officals to get the massive amount of land they need for their stores I mean think about it; do you think I could buy a business that
large even if I had the money? NOPE: environmentalist would be on me in a flash but wal-mart has a way of manipulating people. Also many suppliers like valasic pickles have had to declare bankruptcy due to their limitless demand from them to get lower prices lol. So there we have it are they bound to take over one industry after another? CRUSH KILL DEMOLISH SMASH YOU!! That’s their goal if you want to take on the responsibility of one of the greatest things
in this country being an entrepreneur. So just don’t start your own business or anything they already have food stores in some of these wal-marts so you might not even be able to start something in the restaurant and food industry. Anyway opinions??

Peace

Now I have talked to many people about this topic and a lot of them say (respected business people) that wal-mart is like K-mart and Woolworth and they will die eventually from under selling the suppliers and a bunch of other stuff. I am about 50 50 here however what they are trying to do as it is become apparent to me is to CRUSH and KILL AND SMASH you if your in business in the retail industry. That’s at least what the deal was until a few years ago now they want to do it to more industries. My cousin wants to become a doctor and he told me that they are trying to open clinics now in some of them (medical industry) so here they go with another industry trying to SMASH you there eventually to go see the doc you might have to go to wal-mart. What’s worse than this? They tried to take over the banking industry too, I was reading that they were trying to buy out banks and I think it was some large bank but thankfully the government passed a law that said that they couldn’t do that but knowing wal-mart they will keep twisting arms until they get what they want. Speaking of which they twist the arms of public officals to get the massive amount of land they need for their stores I mean think about it; do you think I could buy a business that
large even if I had the money? NOPE: environmentalist would be on me in a flash but wal-mart has a way of manipulating people. Also many suppliers like valasic pickles have had to declare bankruptcy due to their limitless demand from them to get lower prices lol. So there we have it are they bound to take over one industry after another? CRUSH KILL DEMOLISH SMASH YOU!! That’s their goal if you want to take on the responsibility of one of the greatest things
in this country being an entrepreneur. So just don’t start your own business or anything they already have food stores in some of these wal-marts so you might not even be able to start something in the restaurant and food industry. Anyway opinions??

Peace

I know the basics of bankruptcy, but I have a specific situation and I was just wondering what differences there might be with it…If anyone could help explain this I’d be very grateful.

So, my dad owned a small chain of local banks. After the economy crashed, it struggled…given more time and–well I won’t get into details–basically, the FDIC claimed it wasn’t strong enough/had too many bad loans/wasn’t going to make it. So then they took over.

Long story short, my dad was owner, CEO, and president. So everything that went wrong fell on his shoulders (even though it wasn’t his fault)….now, after investigating the loans and business that my dad’s banks were making, the FDIC is suing my dad for 35,000,000 dollars.
We don’t have that kind of money.
My parents will have to file for bankruptcy; but will it be different because it’s the government that’s suing him? Will there be more to it? More "strings attached" so to speak? I’m not really sure what questions to ask — if anyone could just shed some light on the situation….I’d appreciate it.

I had very good credit. Two years ago, however, I was forced to lose my home to foreclosure. Actually, it was two houses. After that, my big credit cards were cut or reduced, however, I never stopped giving payments. I’ve always been in good standing. I always give more than the minimum payment. Things were okay after the foreclosures, I could still afford to pay my balances, and it was all just alright.

However, about maybe 3 months ago, I started thinking about filing for bankruptcy. My cards weren’t maxed out, but I was still finding it a little bit harder to make payments. Then, business started thriving again, and that’s where I started spending more. I’d never maxed out my cards. Now, they are full. So, basically, three months later, I find myself in the same situation. Business has gone down once again (even worst than the first time) and now it’s getting tougher and tougher to make payments. Up until this month I still made some big purchases. A dslr camera, and somethings because I could still afford it. 2 months ago I bought me a fridge (2,000) dollars. Business is completely dying, but I’m afraid of filing from bankruptcy and having my things taken away… How long should I wait before I file for bankruptcy? I’m also afraid of being charged for something I honestly had no thought of doing (stealing the banks so much money) I would say I’m about 10,000 dollars in debt (i know it’s not a lot, but for me at the moment it is…)

What should I do? How long would it be reasonable to wait so the court doesn’t think I went and maxed out my cards before i filed for bankruptcy? (seriously, that was not my intention) A couple of months would be good? With my small savings I think I could still afford to make the minimum payments… HELP
I don’t know what I was thinking when I said I’m 10,000 (I was thinking just about a few cards) dollars in debt. I am about 50,000 dollars in debt. If not, more. Like I said, I had great income, and very big cards.
Spalmer: I’ve always known how to manage my credit. I’ve never been a big spender. My business was a thriving one for 14 years. I’m a wedding planner, and believe it or not, I made the big bucks there. Somehow, things are not the same. I also had another business, a small landscape designs. Things happen. At the end, yes, I might have spent much more than I should have, but i DID have the money to do so. Its just that you never think something bad is ever going to happen to you.
I’m sorry not saying what my income was. It’s about 100,000 but, like I said, I’m nowhere near making that. I do not own expensive car. The home I recently (2 yrs ago) purchased I bought cash.

I live in a big town that has only Petco and Petsmart for pet shops. I have been seriously considering opening up a aquarium shop here. The town has about 50,000 people, with many small outlining towns that have 3000 in population each, in a 50 mile radius. There are two other aquarium shops about 40 miles away, and in the oldest one, the old man has gotten to old to care for it, and his tanks are always gross, and the fish are always dead, or sick. In the other aquarium shop, the man specializes in saltwater fish, so I feel like I really have an edge knowing freshwater fish extremely well.

My problem is, is that I am 21 years old, and I have no credit. I had some medical bills that put me into debt, but now that those are paid off, I am starting fresh. There are a lot of aquarium enthusiasts around here, and the hardest thing about this area is the fact that for both fish, and fish tank equipment, you have to go 5 hours to the big city to be able to get anything decent, or have any variety, or you have to order online, which makes things incredibly expensive. I also know that fish tanks cost a lot, but would it matter if I used pre-used fish tanks in my shop? Oh, and are there any types of banks that would give out small business loans for this? and in my situation? I don’t have any kind of savings, as my husband is going through bankruptcy, since he got foreclosed on a couple of years ago, so he would not be involved in this at all.

Who cares about the big Three Automakers?

Who cares about the banks?

Who cares about the big Department Stores?

Who cares about the Restaurants?

It should be a good thing, especially for people with small businesses… at least they don’t have to worry about competing
with the big companies…

Small companies can go ahead and sell their stuff.

And big name designers can ask small businesses to sell
their stuff.

And small unknown restaurants can hired the Chefs from Togo’s, Starbucks, Ruby Tuesday, etc…

Or no… not a good thing?

I never forget, at my previous job, guys sitting at the table were discussing if this country should go to war with Iraq or not, some people at the table thought it was a good idea, lets just expend over 3 trillion dollars, banks are full of money here…..its amazing that the world is full of stupid people, according to economist Joseph Stieglitz the money spent could have been used to make this country better, and damaged the economy. I remember arriving here as a 14 yr old Cuban teenager, I’m not a college graduate, but in my humble opinion, bad management damaged this country. I could never thought that this country will find itself in this horrible economy, with 15 million people unemployed, millions losing their houses, no salary increases in the last 10 yrs, some of my cuban friends in Miami told me that they will be doing bankruptcy and the hell with the houses. Many of the Cubans that I have met, including members in my family, one of the reason they became millionaires is because, like some of them told me, they came to a virgin country, back in the 60’s, many of them, never been to school, can,t speak English, but they worked hard, had businesses and came to a very prosperous country.
The U.S.A is not a virgin country anymore, 40% of people only have about 100 bucks left after they pay all expenses……..bad management…killed the best economy that humans have seen in the world( the usa economy of the 60’s, according to economist)..
Don,t forget,,,next time you say invade…send american troops….don,t forget the U.S.A dept is i think around 13 trillion dollars…..a very small number…jajajajajajjaj…(i don,t think so)

bye now.

in 2004 i bought a house and had it put on 2 acres of land that i owned out right for over 15 years, in 2008 the house burned down and was considered a total loss by the fire dept and the insurance adjuster, i sent the insurance proceeds to the mortgage company who has done nothing but give me the run around bouncing me from one dept to another, after nearly 18 months the mortgage company went to court and foreclosed on the property then 4 months later went back to court and had the foreclosure sale set aside, i have asked the mortgage holder to send me a statement of the total amount owed on the loan but they wont send me any thing in writing, when i asked for a statement saying they received the insurance proceeds they told me to write a letter requesting the information so their LEGAL DEPT could review it and decide if they could release the information to me. i had replacement insurance but would not rebuild because of the shitty way this company has done business with me. i have filed a complaint with the better business bureau the banking commissioner and the insurance commissioner in my state. we all know the banks do WTF they want to do without restraint that’s why our economy is so F$$$$D up, i don’t have the money to hire an attorney as it has taken all my every thing to try and put my life back together, i lost my job in december and im really struggling to get by with my son. Im beginning to get very depressed and would like to put this behind me so that i can move on with my life. if there is any one out there that can help me i would appreciate it and will pay you what i can. the attorneys that i have tried to talk to want hundreds of dollars just to talk to me then want thousands to help me. i tried filing bankruptcy but was told i needed the financial info concerning the mortgage the total on the loan was 90988 when the house burned down the insurance proceeds were 75000, but now with all the legal fees late fees and other bullshit i have no idea how much it is. i just know its a mess and all i do is cry, is there any one that can help me please!!!!!!!!!!!!!!!!!!!!!!!
HAD MORTGAGE INSURANCE THE ISSUE IS NOT THE LOAN THE ISSUE IS THE MORTGAGE COMPANY WONT PROCESS THE PAPERWORK NEEDED TO SETTLE THE CLAIM!!!!!! PLEASE PEOPLE NO MORE STUPID ANSWERS, IF YOU DONT HAVE ANYTHING USEFUL DONT ANSWER MY QUESTION. GOT ENOUGH BULL ALREADY. THANKS
THE COMPANY IS WELLS FARGO, I JUST WANTED TO KNOW WHAT THE BALANCE WAS ON THE LOAN AND HAS TRIED TO WORK OUT PAYMENT ARRANGEMENTS BUT I CANT BECAUSE THEY WONT GIVE ME ANY INFO,

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.

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What are your thoughts about the auto industry Bailout… do you think its necessary, good, bad for the economy? Alternatives?

I personally believe (based on the assumption of free markets) that the market determines who is to remain in the industry or what companies must go out of business… if you look at the Global economy other car manufactures do not have any of the problems that the US auto makers are facing (mostly do to union contracts, political agendas). i think that we should let them fail because they are so inefficient and any loans from the tax payers money most likely is not going to be paid back. i’m not implying to put closer to 2.5 mil people out of work (not including Other industries like steel, etc..that will suffer from the collapse.). the solution is to consolidate all 3 companies into one entity, file for chapter 11, wipe out the equity off the balance sheet, restructure the merged entity, improve product lines, stop inefficient lines and work on fuel efficient cars raise the MPG standard. Renegotiate union contracts is a must ( i don’t think that the taxpayers need to pay 95% of a union employee salary because the plants are shut down and he is NOT ACTUALLY WORKING)…. i guess i wrote too much but its frustrating to see this happen over and over again first it was banks then its autos whats for tomorrow…

My husband’s company filed Chapter 11 in January. They have not paid us for his December wages. They did give us one check in early December, but it bounced and they have changed banks. Now our checking account in in jeopardy as we don’t have the money to re-deposit. They are not out of business as they are still giving him some hours, but his boss cannot give us any help with his back wages. The Labor Board says we cannot file with them because of the bankruptcy. They say that we need to file with the Bankruptcy court. I have tried searching for a form or info, but it’s overwhelming. I saw something about a making a formal demand to the employer. Any information on either or both would be great. We live in California. We need something quick.

Thanks

China holds enough of our debt that the US does not have enough money to pay off what we owe them. Just as many home owners have had to declare bankruptcy our country would be in the same position; that is, the money the government ‘earns’ (our tax dollar) would not be enough to me its citizens day-to-day expenses much less pay off China. Our dollar would be worthless on the world market. Every country that we owe money to would want their money also. We won’t have anything worth anything to import needed goods for us. The countrys’ credit would be nil, no country would loan us money just as our banks at the present time aren’t lending more to home buyers and small businesses. Serious replys would be appreciated.

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

1.
The U.S. economy has lost 2.64 million jobs since you took office. The unemployment rate is 9.5% and rising. The good scenario is one in which the unemployment rate begins to decline early next year. The Vice President said your Administration misread the economy. You said you had incomplete information when proposing the stimulus. Yet you have said you would not change anything about the stimulus if you could. If the facts have changed, why doesn’t it make sense to change your policy?

2.
Last month’s jobs report was the first since you took office that was worse than the prior month. Do you think the economy is getting stronger or weaker right now? If the next jobs report gets still worse, will you re-evaluate the need for a change in fiscal policy?

3.
Do you maintain your promise not to allow taxes to be raised on people earning less than 0,000 per year? Will you insist that health care legislation conform with this commitment?

4.
Chrysler and GM have exited bankruptcy. Are U.S. taxpayers done subsidizing these firms? What is your exit strategy from taxpayers owning much of GM and Chrysler?

5.
You proposed spending money from the TARP to prevent foreclosures, help small businesses, and to buy toxic assets from banks. In June CBO said they had found no evidence that any money has been spent for any of these programs. How many foreclosures have been prevented, how many small businesses have received loans from, and how many toxic assets have been purchased?

Bush is asking for 0 billion to save the banks. I had An Idea and want to know why it wouldn’t work. AS of June 2008 total US mortgage debt is approx trillion., Of that approximately 10% are considered in distress or in bankruptcy. NOw if the government is going to "borrow" 0 billion and give it to the banks why not just have the banks forgive the 0 billion in distressed loans. Its the same amount of money and instead of helping the rich get richer the government could actually help the lower and middle class. there could be some very simple stipulations no refinancing on equity for 5 years, if you sell the house you keep 20% to put a down payment on your next property the rest goes back to the government, it has to be your primary residence. Imagine what that would do for the economy. I own a small Business and I don’t NEED help, but if I had my 00/month back from my mortgage first I could hire someone to work at my store, Create jobs, second I could invest more in my retirement, and of course more people would spend more. I could afford to buy a new hybrid fuel efficient car. think about it tell me what I missing.

Kitty I agree with you completely as I myself am doing OK, but at the same time as a small biusiness owner I feel the tightening of the collective beelts of my customer base. I just get sick an tired of seeing this kind of movement of weath among the to % of the population. I can’t help but think that if they are going to do it anyways do it in a way that helps everybody.

Bush is asking for 0 billion to save the banks. I had An Idea and want to know why it wouldn’t work. AS of June 2008 total US mortgage debt is approx trillion., Of that approximately 10% are considered in distress or in bankruptcy. NOw if the government is going to "borrow" 0 billion and give it to the banks why not just have the banks forgive the 0 billion in distressed loans. Its the same amount of money and instead of helping the rich get richer the government could actually help the lower and middle class. there could be some very simple stipulations no refinancing on equity for 5 years, if you sell the house you keep 20% to put a down payment on your next property the rest goes back to the government, it has to be your primary residence. Imagine what that would do for the economy. I own a small Business and I don’t NEED help, but if I had my 00/month back from my mortgage first I could hire someone to work at my store, Create jobs, second I could invest more in my retirement, and of course more people would spend more. I could afford to buy a new hybrid fuel efficient car. think about it tell me what I missing.
I think I agree with what both of you are saying but I can’t help but think that the economy would boom if something like this were to happen. I can’t help but think that a lot of the "forgiven debt" would end up backa t the banks in the form of retirement investing, capital improvement, raised local taxes, infrustructure improvements, retail sales taxes and spending thus the banks would actually get more money back than if we didn’t bail them out. I especially agree with the inflation problem that this ois going to cause.

If you had any stock in CIT, (Commercial Investmant Trust), you LOST it all. CIT filed bankruptcy in Nov. 2009. Stock within that company became null and void … GONE! Stocks continued trading under the name, but new stocks were brought in as replacements. I find this all interesting because CIT really helped mainstreet America by keeping the revolving door of credit to all the mid-sized businesses in America … including popular national chains where we all shop all the time! WHY, I wonder, would Obama choose NOT to bail them out, when he bailed the likes of the fraudulent banks out? Could it be one more eye opener to the FACT that he is purposely trying to take down America? Wake up, folks, we have a storm brewing, and a big fight to Win with a country to save!!! God Bless!

I am wondering about the accuracy of the media’s reports regarding the supposed tightening of credit markets and credit lines for individuals and small businesses. In my area, banks and other lending institutions have been heavily bombarding the radio and tv with ads stating that there is no credit crunch, that they have ample money to lend, that if you could have gotten a loan a year ago, you still can, etc. -basically they are begging people to come in and get a loan for everything from a house to a car to a 0 personal loan!

Also, the media’s reports of a tightening of credit card lines also seems to be a fable. I have talked to various individuals in my area and have discovered that 4 of my friends and family have had their credit lines automatically increased on their credit cards and so have those of several small business owners that I have talked with.

"Maybe" this is a result of the 700 B. TARP, but I am doubtful of that since one of the major lenders to GM shut down their credit line even when it was looking like they would get their bailout loan (or maybe the lender was just scared to lend to a failing company facing bankruptcy, but I digress).

I am just wondering basically if anyone else is seeing such a push in their local area from lenders trying hard to get people to borrow money. Has anyone seen this? If not, what is the situation that you are seeing. I am on the east coast, by the way.