Business Bankruptcy Law | Small Business Bankruptcy Laws

My parents are divorced and I live between my mom’s house and my dad’s house. However, the address on my driver’s license is my mom’s address. Once I arrive to Montréal however, I will be exchanging my license for a Québec license which will have my new Québec address on it (one of the apartments I’ve been looking at). I am wondering which of my parent’s income to put in order to receive the most money from OSAP. My mom does not work, however she is disabled under the Canada Pension Plan so she receives a substantial amount from the Disability Benefit. I will also be receiving some of this money (Child’s Benefit, 214$ per month) as a child aged under 18-25 of a disabled parent attending school. On the Income Tax Return, my mom makes much more money than my dad does. My dad owns a small business, a cigar shop in which he is the only employee. Business is not good, he has a considerable amount of debt from credit cards and currently owns no more credit cards. He didn’t file for bankruptcy but almost did. He currently lives on the upper level of his store, so he technically doesn’t have a house. When I go to live with him, I stay in that upper level of the store. Needless to say, his yearly income on the tax return is much less than my mother’s. In your opinion, which of my parents should I put for the income part of the application?

The answer for me is to put my dad as he makes less money, but the problem is that the address on my license is my mother’s. However, I’ll be changing my license for a Québec one in about 7-10 days and that one will have a completely different Québec license. Please advise me with what to do and which parent to put, I would really appreciate it. Thank you so much!
To "It’s me":
Yes, they live in different households. However, would they cause me any problems if I put my dad’s income on the application but the address on my driver’s license is my mom’s? That would technically mean that I lied about living with my dad wouldn’t it? I actually live between both (1 week here, 1 week there) but the address on all my official documents is my mom’s. The license will be exchanged very shortly to a Quebec license with a new Quebec address on it but I’m just wondering in case…Thanks for your help.
To "Miss Priss":
My mom and dad both live in Ontario. I have lived here my life. I am only moving to Quebec for university in September.

My mom is thinking about filing for bankruptcy since she’s up to her eyeballs in credit card debt, not to mention a debt that my dad incurred that he now owes money to the IRS and money on a judgment against them for a small business that failed a couple years ago. I don’t know all the details, but that’s the gist of it. So her question is whether or not the bankruptcy will affect what she owes on both the judgment and to the IRS? I guess getting rid of her credit cards will allow her to pay the judgment and IRS off quicker if they aren’t affected by bankruptcy, but she was just wondering because she is thinking about trying to file for bankruptcy on her own because she obviously can’t afford a lawyer.

I’m 13 and the plot is her mother is a vampire and she has to choose between her soul mate or mother to become a vampire: The phone rang again. Probably some salesman, I should think about getting a cell phone… I grabbed my keys and headed out the door locking it behind me. I walked faster than usual. Something about today made me quiver. I drove fast to get to my new school. I parked then I walked into the principal’s office and sat down as he directed. “Hello Ms.?" He paused for a moment and looked at the papers he held in his hand. “Ms.Vala Carter." He seemed interested in something. "Yep that’s me…" It took so much for me to talk being as shy as I am. "So Mr.Jance when do you think I’ll be able to start my classes get my schedule and all that?" I had to force myself to speak. "Well everything seems to be in order you can start school tomorrow." He smiled. I started to get up and walk away when he said "Vala." "Yes?" He looked curious. "Why isn’t your mother down here taking care of all of this?" "Well she had to run some errands today…" He nodded and turned to his filing cabinet. I started to think… Why wasn’t my mom interested in anything I did? She was always off somewhere. She always says she’s out on business but I don’t know… hmm? When I got home a honey glazed ham was on the counter a plate was set out on the table for me. She always managed to have everything cooled down enough to eat by the time I was home. I never saw her cooking or even in the house. I sat down and served myself. Where is she? I wonder if school will be better here than in Boise.Chapter 2 Crossroads:I went to bed after I put the ham into the fridge. Dreaming. I hope tonight would be a night I will remember. I’m sick of having these great dreams and being completely oblivious to them the morning after. I woke up early and started checking my bag for supplies. Pencils-check, pens-check, notebooks-check. I went downstairs to see pancakes, toast, and eggs on the table. I started to think of my mom as a ghost. Today’s a new beginning. There’s no turning back now. I grabbed my bag and walked out the door locking it behind me. "Oh shoot! I forgot my keys!" I tried to open the door but it wouldn’t budge. I went to the back gate and looked around for something to stand on so I could reach the latch. I found a couple of loose bricks and stacked them up. I hope it’ll be high enough. I moved my hand around trying to find it “Yes!” I felt the cold metal beneath my hands, I lift the latch and almost fell because I didn’t let go. Yes Vala it would be nice for you to get hurt right before your first day of school smart thinking! I started walking towards the back door hoping I hadn’t locked it. I started to pull the handle and it slid smoothly to the other side. I was glad I had forgotten to lock it. I grabbed my keys locked the back door and went out the front. It was 15 minutes till the bell rang. I can make it as long as I don’t get stuck at a bunch of red lights. I made it with 5 minutes to spare I went to the front office and got my schedule. First class is… gym. Oh great! As I walked to the locker room I noticed the walls were a soft warm green, they made me feel like I was in a cozy cabin snuggled up in a blanket sipping hot cocoa or tea. I longed my fantasy and was a step away for hitting a locker. A girl grabbed a hold of me and just loud enough for me to hear whispered “Hey are you okay?” I paused for a moment gathering up the courage to say thanks and tell her my name. “Umm yeah I’m fine thanks, I’m Vala.” I held out my hand to shake and she took it with strength not trying to hurt me intentionally. “Ow!” I whispered. “Sorry.” She sighed. “I’m Nilly!” She started to turn away when I noticed her shirt said; friends are forever tears are temporary. I was in gym; we were playing tennis a game I was completely unable to figure out. I started looking around I noticed a bunch of guys standing by the big ram on the wall, the school mascot. There were probably four or five of them. The bell rang, time for second period. I grabbed my bag and walked out. Searching for my schedule I went back into the gym to look for it and then I saw one of the guys that was in the corner holding a sheet of wrinkled paper. The other guys were gone I saw them walking out as I was coming back in.
“Vala!” he shouted it echoed in the big room. “Yes?” I was feeling more confident now. I was able to speak in a regular voice. “I’m Josh Rairon I found your schedule looks like you’re goin’ to art studio, same class as me wanna walk together?” I felt happy and grateful to meet one person who was nice enough to even talk to me without having to run into wall. “Sure, umm thanks.” I started to look at him more closely now. He had a square but slender bone structure with tanned skin that looked like he had just been surfing fo

married almost 20 yrs, she disappeared with daughter (14) for 2 weeks with no contact left son (18) on farm. the husband offered her large cash settlement to leave farm
running she refused. farm sold his mom borrowed them the cash for the farm (basically like a bank) ex wanted the money but not to pay off the debts. her theroy is she should get money and he gets the debt.his mom received her money back and now his ex claims she wants spousal and she is going to claim bankruptcy on her share of the debts unless he takes all the debt.but as of now
he no longer has the farm or that type of cash flow to cover those debts on his own. but as stated they were business parteners she sold many items from the house and she kept the money.she walked away from the business and family (only taking the daughter) and has worked various jobs since she has left and now is claiming she is unable to work and he needs to pay for her living?this man has lost everything his dream his life his farm his daughter for 2 yrs his son, his ex would not let him have contact with his daughter.she is looking for someone to take care of her financially .so he has nothing now and is still 100,000.00 in debt and she wants him to take it all and pay her spousal but they were parnters half the debt should be hers and there should not be spousal. he pays for his daughter but why should he pay spousal when they were business partners and she wasn’t financailly dependent on him, as she stated she worked the farm.the 1st judge said he wanted farm to still run be smart (to ex wife) and make a deal(to ex husband).. the husband tried..should she be entitled to spousal support, she refused the offer, forced the sale of farm, has racked the debts up with interest due to not agreeing to releasing the money to pay the debts off, but they were business partners who jointly worked on the farm and jointly earned from the farm and jointly made the debts and loans? they are still going through court. her lawyer has given her terrible advice she should of taken the cash settlement and not forced the sale of the farm.. as her life would of still been easy.as of now the ex husband works for another farmer, and she works on an assembly line. in your opinion as i know there are courts for these issues.. in your opinoin would you think she should be entitled to spousal support?

Please I really need ideas from teens, parents, grandparents, anyone who has some good idea’s. My nephew Ryan is turning 14 and we cannot be there with him.
Gifts or gift cards (are those good ideas?) anything that can be sent overnight or express is great.
I will tell you a little of what’s happening in my nephew Ryan’s life right now and his worries because it may help to know why his 14th birthday will be tougher than any others he’s had.
Please know I am not mentioning this for sympathy or pity or anything like that but for help just to get him something – one day without worry would be great- but we cannot do that so any ideas about something special that he might love would be really appreciated.
This is Ryan’s last birthday at home since my his mom who is my sister become ill (she has lost the use of both hands and arms-they keep thinking it’s one thing then another 2 surgeries later no answers) and had to stop working. My brother-in law re-builds cars and also builds hot rods that sort of thing. His work is awesome and he’s doing it this work since about he was 15. With his 26+ experience they call him first when they can for jobs but no one really is putting anything together or getting cars repaired either due to the economy so he picks up whatever work he can find. Their house is going through foreclosure and as much as tried not to they have had to declare bankruptcy. Blessedly they do have a place to go though.
Ryan is also worried because or other problems that are going on such as his maternal Grandparents lost their home recently to foreclosure after 22 years there and also had to go through bankruptcy in order to save the small business they have. His paternal Grandparents also lost there home to foreclosure and went though bankruptcy because of severe health problems and his Grandmother has recently became blind do to an illness no one knew about. Because as with everyone I know and know of she has/had the same problem because even with payment plans if they have them you still cannot afford eye, dental, or hearing exams.There is only so many things you can cut back on to pay bills. Good news is Ryan’s paternal Grandparents moved in with my brother-in-laws older sister and her family and they all get along great. My nephew is especially close to his paternal grandparents he has been around them his whole life and now they since they are settled in and happy this should help him be less worried wouldn’t it?
He says he’s fine but we all said that as kids. I think the fact he also knows just how sick his Grandparents on both sides of the family are he is really worried about them and of course so worried about his Mom and no doubt knows his Dad’s frustration.
Ryan is well aware there are people who have it way worse. However we believe he has a right to feel normal feelings of fear, sadness, anger, frustration, and even unfairness. This is a grieving process as when somebody dies. Also having the rug yanked out from under you regardless of age even if you know it’s coming is still nothing like when you actually go through it. We know how important it is to let him feel how he feels without the guilt. If feelings/emotions are ignored or pushed away they will always come back at some point in some form sometimes quite dangerous forms. His school counselor are aware of what is happening so they can help watch for anger issues, depression and so on and he knows he can talk to them. Kids are so much more aware of what’s going on.
So you know what’s happening in his life and why I am worried. Advice would be appreciated in how to reassure him.
In regards to idea’s of something extra fun or can lift his spirits for his birthday? Now a gift card would be great and he loves those because he can get what he wants but how can it be done with a little excitement or be brightened up?
How about a birthday balloon bouquet? Now the gift card will have to be sent separately as it cannot be sent with any bouquet if I get it from his favorite store. Will a teddy bear attached a balloon bouquet be or seem to childish for a 14 year old boy?
Thank you for reading this and for your answers.

I am trying to help my mom out with this one…. Several years back she owned a c-store with a now ex friend. When the business closed, there were unpaid sales tax…. The partner filed a chapter 7 before the IRS came after them, Turned out they only went after my mom even though all papers were in both names. She is now in a chp 13 for this and has been paying 0 a month to the bankruptcy to pay this. Now they say she isn’t paying enough (she makes hr now) and want to dismiss her case. Is there a statue of limitations on this and why aren’t they holding ex-partner responsible for all of this? She has crappy atty, and she has called around to other atty’s but they tell her it is a conflict of interest for them to talk to her… What to do? Please and Thank you
To the person who said she is lucky to not be in jail: They were paying the sales tax when the business was open. She left the business before it closed and the taxes due were from the date after she had left. She has been paying the taxes back ever since! SHE did not commit fraud as she wasn’t even in the store and had already turned over keys and had consulted an atty to dissolve the partnership. I think she has been a great person for paying this bill when she wasn’t apart of making it

My in-laws purchased a home and got a loan under my wife’s name prior to us getting married. They used my wife’s name because they weren’t able to get a loan themselves. They make all the payments on the home. My wife and I don’t live there nor do we have any intention of living there as it’s in a bad location. I had no idea about it until after we were already married.

The in-laws are close to losing their business and can barely pay their bills. A bankruptcy seems imminent and i’m pretty sure the house which is mortgaged under my wife’s name will be foreclosed. Is there anything I can do to protect my wife and myself against this? If it makes a difference they just transferred the Deed to my mom in-law, but the loan isn’t. The home is worth 0k and they still owe 0k since they’ve been making interest only payments.

I worked really hard to get my credit score over 800. I want my own house!!! I couldn’t even qualify for any of the first time home buyer programs because of what my in-laws did under my wife’s name.

Any advice would be greatly appreciated. My brother suggested divorcing my wife (just on paper) so I can at least avoid ruining my credit.

The Journeys and Adventures of Dwight and Benny
Book 1: New Beginnings
Chapter 1: We Find Out Who We Really Are.
Hi, I’m Dwight Summers. I’m 13, and live in Hollywood, California. I come from a rich family, and I’m a little to preppy. I have AD-HD, and I’m bipolar. My school is called Hollywood’s School for Acting and Theatre. My father left me and my mother when I was just 1 to start his own wine-making business. After he left, my mom soon conceived my younger brother, Benny, who is now 11. I am not a normal teenager. While I was at my great-uncles house, I learned a shocking truth about my father. Here is my story.
"Dwight, honey, please go look for you brother. He’s outside, tell him it’s time for dinner." My mom called from downstairs. I was upstairs, in my room, on the computer. I was doing some last minute play-writing for a new play at my school, that I was directing. "Yes ma’am." I called back, and saved my progress. As I walked out the door, I felt a strange presence in my room. I turned around, and looked for someone to pop out and scare me. When I realized nothing was there, I turned back around, and kept on walking. While going down the stairs, I focused on the family portraits on the wall. The spot where my dads photo would’ve been, was empty, as usual. A song I had been listening to all day, popped in my head. I starting singing it. As I stepped off the last step my hand brushed against my mom’s old, withered fern. A burst of life frighteningly spread through my body. I felt as if I would explode from all the energy I was producing. I looked at my hand that was on the tree, and saw a light shinning around it like an aurora. As the energy grew stronger, the plant started showing signs of life. Once the plant was at its full health, the energy went away as fast as it came. I just stood there panting from the excitement. I couldn’t believe what had just happened, but it did. "Have you found Benny?" My mom asked from the kitchen. "No ma’am." I started to say. "I’m on my way right now."
After the unexpected incident with the fern, I darted for the door, an stated on the hunt for my brother.
The story is not finished yet, but it will be soon. I hope to make this a book series someday. If you liked this, and wanted more, please comment on my story.
Okay, thank you for the kind critisism. The book is not meant to be ecsactly like Percy Jackson, but have the same theme. That was all. I understand that the 1st paragragh is boring, but it just seemed like the right way to introduce the character. And I don’t understand by ‘Theres no hook.’ What does that mean? The only way to say that th dad left was to say he left, what other way do you want me to put it?

okay so im makin this story:

Chapter 1
"Come on!" I hear shouting in my ears and some one pressing pain in my arms, head and shoulders. Suddenly, I recognize the voice. I cant believe it, its my dads voice. How could he press pain upon me and shout at me? Then the images of last night come flooding back into my mind. Rape. Rape. Rape. I remember my dad pulling me onto a bed and feeling and touching me all over. I remember him on top of me. I remember worse. Worst of all, I remember it exactly and I remember him getting me drunk saying I shouldn’t remember this over and over again. Now I understood. My own loving father raped me and got me drunk so I wouldn’t remember. Suddenly I just start sobbing. My dad just keeps going and going pulling me into a room. "Not again," I think as he pulls me on the bed and closes the door. I ask,"Where are we?" Suddenly, I realize where we are. My dad works at a hotel, actually he’s the owner and well for the parking lot area there are doors and you open them and there’s desks, papers, stuff like that. The parking lot had the same smell as this room. It smelled dusty and like gas. I knew it was the parking lot. It just had to be. My dad ruffled my hair and started kissing me all over. I was frozen in shock. I couldn’t believe my mom married this b*stard. When I got home I was going to tell everyone. If I even came out alive.
I woke up with the pounding of pain on my head and my eyes as heavy as a elephant. Not that I ever picked up a elephant. My name is Camilla and I am 14. My dad that was raping me is my step-dad. His name is Charles and my mom just got married to him around 2 months ago. He became obsessed about me and then finally last night he took me out here. All of a sudden, tears come to my eyes as I truly realize that Charles probably only married my mother because he wanted me. That son of a b*tch. My mom always minded her own business, just wanted real love, but he had to ruin it all. My real dad Jack, moved away. He didn’t want anything to do with my mother anymore. He loves us and still sees us but for some reason he just doesn’t love my mother anymore. My mother’s name is Laura and she is a kind woman who never meant any harm. She is never harsh and never brutal. I have no older siblings but I do have younger siblings. Stephanie is 11, Bridget is 9, Sean is 5, and Christopher is 2. Plus, the son of a b*tch got my mom knocked up for the sixth f*cking time. I hate him, I hate him, I hate him so much. I look up at the ceiling and see that the wall paper is a ugly plain gray with parts chipping off and that there is no fan. I am so hot that my hair is sticking to my cheeks and sweat is dripping down my forehead. I feel pale and I feel ruined, messed with, used. There is no windows. Just a bed, desk, papers, pens, night stand, computer, and some other useless junk. On the nightstand there is a clock that reads: 6:34 A.M. I look down and see that all my clothes are off and that I’m covered with a blanket. It makes me mad to see that he just leaves me here, abandoned. I wonder why he left, maybe he is after Stephanie or Bridget. I look to see that all my clothes are flung on the ground all spread out. I feel filthy and dehydrated. I stand up and start to put my clothes on. After I’m all done getting dressed, I reach for the doorknob but soon later I find out its locked. It wont open. Oh my gosh, this son of a b*tch is coming back for me and want’s me even more.. I look around in the desk until I see a hammer. I pick it up swiftly and like a karate chopper I hit it at the door. It didn’t budge that much. So with a few more swift movements and a few more hits with the hammer some of the door breaks down. I reach into the damaged hole I made and twist the doorknob. The door opens and I see myself in a parking lot, I knew it! Charles hotel parking lot. I walk toward the exit, stumbling a few times. As I reach the exit, I walk out, and see Charles’s hotel. I run pass it and onto the curb on the street. I recognize this street. Its called Walnut street, I live on Walsh street, which is only about 3-4 blocks over. I start out as a slow jog but soon quicken up my pace. As I reach Walsh street, I start thinking about what I should say to my mom as I knock on the door. I reached my house soon, its at the top of the street. Before I can even knock I realize its already open. I push it open silently and hear faint cry’s. I stop and listen carefully. I hear murmurs so I walk closer and go halfway up the stairs. I hear," No!" No!"and "Listen to me, you are going to do what I say, or you don’t wanna know what will happen." I can hear Charles and I can hear Stephanie crying. I could also hear faint cry’s of Bridget. I walk back downstairs to the kitchen and rummage through all the drawers until I find what I’m looking for, a knife. Then I tiptoe back upstairs. Once I’m upstairs I stop for about a minute and think of my plan. My plan is, Just risk it,
My plan is, Just risk it, barge thru and threaten him with the knife. Hopefully Sean and Chris are up their too because they would get lost like a blink if they already ran away. I silently tip toe up across the hall way and stand side by side against Bridget and Stephanie’s door. I can hear murmurs and muffling. Suddenly I know I can’t just barge open the door and threaten him with the knife. I have to do it unexpectedly. Luckily, the door is slightly open a creak. I creak it open silently more and more until i can see the faces of Stephanie, Bridget, and my mom. They see me and I see glimmers of worries and fear in their eyes. I bring my finger to my lip and silenty mouth, "Shhhhh." They get the cue and stop staring at me so Charles doesn’t see.
"Bridget!" "What did I tell you?"
Bridget responds in a timid voice,"Im sorry, Im sorry."
"Stop saying sorry and take your damn clothes off," Charles says in a harsh voice.

I felt Bridget’s pain as she shyly took off her shirt. I just
just wanted to stab him so badly. I started creeping up slowly behind him then quickening my foot steps as to save Bridget from her embarrassing and painful moment, I knew Charles was planning to rape her, right then and now, but I would stop him.
I kept creeping more and more until I was directly behind me and I could feel his breathing quickening as the excitement rose in him at the site of Bridget’s nudity. What a sick sick sick bastard he was. With no time to waste I rose the knife and quickly I submerged the icy tip of the blade slightly into his freckled rough skin upon his shoulder.

"Don’t move, Charles. This is over. Tell me where Sean and Chris are."
"I dunno", Charles mumbles as fear rose in his shivering voice.
"Yes you do," I shouted.
"Okay, okay

NOW what should happen? like to sean and chris? i was thinkin a guy paid charles for sean and chris and took them for k*ddie p*rn or s*x?
or wut? HELp. plz!
and tell me what u thought of it

I’m 15, and I’m from illinois and I’m not sure what the laws here are, but all i know is that im pretty sure my dad, possibly both my parents hate me. My sister is in the business school at the university of illinois, she got straight a’s. My dad is a head at a law firm and he got straight a’s, my mom got good grades, not straight a’s, and I’ve always been more like my mom. In middle school, I remember one night him yelling at me, over an F (5 points, homework) saying it doesn’t matter that it was 5 points, it’s the fact that I forgot. He screamed at me for what seemed like hours, but I think was only a half an hour. My mom tries to calm him down, but she can’t. I literally peed myself I was so scared. I’m a sophomore in high school, last year I got 3 b+’s, 2 b’s first semester, and 3 b+’s and 2 a’s second semester. To me, those are great grades, but to my dad, they aren’t. When I was little I had a lying problem and to this day my parents don’t trust me. Occasionally I’ll get caught lying to them now, but it’s on stupid things, regular teen stuff and he blows it way out of porportion. I don’t do drugs or drink or anything like that, it’s regular teen stuff. One month into school, I currently have a 4.0 GPA which im pretty proud of, and things are going great, but again tonight he asked me what my tests covered that I had today, and I said chapter one. That’s the first thing that entered my head when he asked because that’s what we refer to it as in class yet he escalated things and wound up calling me ‘fucking immature’ (I’ve only heard him say fuck SO few times) and I swear he was going to hit me. I know that he beat me once when I was home alone with him when I was 10. It was even my birthday, and I had lied about something stupid and he beat me. Lately I feel like my mind is repressing it because every day I run over what happened in my head, and every day that passes it seems more and more like it didn’t happen, but I distinctly remember even telling my mom when she got home. I always wonder why I didn’t run that night, but that’s beside the point. He’s very successful, and I’m extremely content with the things in my life. He always says that I’m going to screw up and he won’t be able to help me, yet it seems like the ’screw ups’ are people with even worse grades than straight b’s, which is what I can get with 0 effort put in. He doesn’t have any friends (besides his so-called ‘golf buddies’ and co-workers [which I think hate him having met them]), yet I do. I’m more athletic than he was, and I think he takes it personally. I’ve had suicidal thoughts before, I’ve even wanted to run away. I don’t know what to do anymore. I don’t want to leave the town I’m in, desperately. Not once has he acknowledged the fact that I’m doing great and were already a month into school, it’s like he always tries to find the negatives, and it gives him a sick pleasure it making me torture. He always compares me to my sister saying she had better study habbits, etc etc. Well, she didn’t play any sports and lose time to do work, she didn’t play video games which most boys do, and she lied to them a shit load, she just never got caught. The main thing is, when he yells at me, I can’t get a word out. He always just assumes I want to be successful like him, but it’s the last thing I want. He doesn’t give a flying fuck about what I want, it’s what he wants for me. I want to have a nice job with a nice living, but not something that’s so time consuming that I wake up at 3 AM to go down to work and come home at 11 like him. I have a feeling that he really doesn’t know a lot about me, and when I’m alone with him in a car it’s awkward because we have nothing to say. I want to grow up and keep my friends, and it’s pretty clear why he drove so many away and has none now.

The bottom line is that I’m out of options. I want to stay in this town, and remove him from my life. My mom doesn’t have a job and I’m assuming she couldn’t support me like this, although I’m pretty sure my parents hate each other and it seems like at any moment they are going to divorce.

My mom is lazy. She has a part time job but it is for up to 3 hours a week. Whenever I want to do something she tells me to either do something for her or go do my summer projects for school or go to bed. All she does all day is watch TV or does her favorite hobby, jewelry making/beading. My dad works very hard everyday and when he comes home he is tired but my mom doesn’t always make him dinner. My sister is in a wheelchair and has to be feed by us, but while my mom is watching TV or beading she will tell me to feed her (which can take 30+ minutes). My dad owns a small business and the recession has hit us hard so he hasn’t take home pay since February of LAST year, but my mom is eating up our savings by buying beads (sometimes 0+ a month). My dad has tried to close one of his business that is not making any money, but the corporation it was licensed by will charge him ,000 if he doesn’t have 3 of them branches open. He used to have 5 of these businesses and also a joint owned one with his ex-wife, and also one other business. With my mom spending all of this money I am concerned that we might have to file for bankruptcy and leave over 100 people jobless. We also provide housing to 1 of our employees but if the businesses goes under he will be homeless. My mom also doesn’t clean up around the house so it is in a huge mess and it also has tons of junk in it (my room is waist deep in my mom’s stuff, except for a small path; I am not supposed to mess with any of it). The next problem is that my mom screams a lot, esp. if I don’t want to do something she asks. Another thing is I get good grades and work very hard in school (all A’s) but she yells at me if my grade starts to go down. My dad has privately told me that he has thought about getting a divorce if she doesn’t start doing stuff around the house. Another thing is that my mom said something to my aunt (who is bipolar) that has put up an 0,000 lawsuit against us over inheritance and I haven’t seen my cousin or uncle in a year. My grandmother is 88 and has gone delusional and the rest of my grandparents are dead. Do any of you have a solution to any of these problems?

My husband and I are filing for Chapter 13 bankruptcy for a failed business (dog boarding).
My husband works in another town and we own a property 150 miles away where I am staying. He rents an apartment in that town and sees me on the weekends, which mentally, physically and emotionally is hard on both of us.
My son went to school for the last year in a school (where I live) that really damaged him and is not going back there, he is staying at my mom’s house and going to go to school at a better school with her.
We want to move as it is tough enough to be separated, but tougher now that my son is going to be away from me.
Our house that I am living at has appreciated in value, and we want to move to the town my husband’s job is in.

Thoughts? Suggestions? Problems you see?

hes going to file for bankruptcy , he owe more than 100k, what should i advice him.. i don’t even know how/where to file, since i know there is alot bad companies out there. he lost his business and wants to go overseas back to his country.. what chapter is better to file for him , 7 or 11, since he lost his business he doesn’t have any income to repay them, he want to me to pay airline ticket. what should i advice him, and i don’t know , would that effect my mom credit name or us. he’s doesn’t own anything , not house or car or nothing.
well i totally agree.. but see my dad doesn’t speak english and i think its the best 2 send him back 2 his country which its lebanon.. so do u think he should file for bankrupe and stay here

CHAPTER ONE “THE IRRITATING DAY”

It was an obscure boisterous morning. The lashing rain had awakened two boys whom were interested in what noise had woken them up from their sleep. As soon as they looked out the window they had laid back down on their beds immediately but after quite a while they heard a loud furious roar coming nearby; it was their mother.

“Raheem! Aiden!” their mother yelled. The two brothers walked down the hall, into their mother’s room thinking she would be there. She was no where to be found
“Raheem and Aiden come down here this instant!” She yelled once more, but even louder this time. Shaken by the strong roar both Aiden and Raheem ran down the stairs to the kitchen.” what is it mom?” they both sighed. The two brothers looked up at their mother’s disappointed face “Do you know what time it is?!” she yelled in their ears. Raheem answered, “No, mom we don’t know what the time is”.

“What’s all this commotion about, Maya?” asked Andres, the father. Before Maya could even answer Aiden and Raheem got their backpacks and ran out of the house, which basically answered Andres question; they were late for school. The two brothers hurried into to the school bus, as soon as they stepped inside the other students started laughing immediately. Aiden wondered why they were laughing, and soon he realized that the two boys were still wearing their sleeping gear. Raheem, being the immature one still didn’t realize why they were laughing so he sat down and patted his hand to a open seat next to him. As Aiden was about to leave the bus, it started moving so he had no choice but to sit next to his brother. “What are they laughing at Aiden?” Raheem asked confusingly.
“Look at what you’re wearing Raheem, and look at myself” Aiden said calmly.
“Oh my god, why didn’t you tell me we were wearing this?” Raheem said in a whisper.
“You idiot I told you more than once but you weren’t listening!” Aiden said furiously.
The two boys kept silent for the rest of the bus ride.

The bus had finally made its last stop – to Lowell High School, in San Francisco, California. This was where their father was educated at in his high school years. As Aiden stepped out of the bus he noticed that Eddie Garcia, was picking on a freshman; Raheem on the other hand didn’t like that at all since Eddie is the schools biggest failure whom failed the 11th grade four years in a row, and he should be 20 right now. “Hey Eddie, leave that kid alone.” Raheem said nervously trying to stick up for the freshman.
“What makes you think I’m gonna listen to you, pajama boy?” Eddie laughed out while pointing at Raheem.
Raheem got angry, and as usual he started to pick a fight with Eddie. Before Raheem could do anything Eddie started smashing his head against the pavement, and kneed him in the back; Aiden was nowhere to be found so Raheem was helpless being pounded by Eddie. Eddie was about to finish Raheem off, but as he was making a fist Aiden came out of nowhere fiercely running towards Eddie. Aiden pushed Eddie towards the schools front doors, leaving a dent.

“Yo Eddie, what the hell is wrong with you? What did Raheem do to make you wanna beat him up?” Aiden asked indignantly.
“Why should I tell you? Besides this is none of your business, kid.” Eddie said stupidly
“This IS my business; you’re messing with my brother for no reason. Don’t give me any bullshit” Aiden said in an even more indignant tone of voice, staring at the freshman who he noticed yet again. “Hey kid, come over here” he said looking towards the freshman.
The freshman approached him while shaking. “What’s your name?” Aiden asked in the calmest voice he could use. “Richard, Richard Wellington” he answered quietly.
“Richard, was that big guy over there picking on you?” Aiden asked, pointing at Eddie.
Eddie gave the kid a stare, as if he was going to tell him he would kill him if he told the truth. After a few minutes of thinking Richard answered “Yeah, he was. And that other guy, the one with the curly hair was trying to help me”
“Alright, thanks for telling me” Aiden said thankfully, turning around to go back to Eddie; he was so fed up with what Eddie did he hadn’t realized that Eddie had left as he was talking to Richard.

Aiden had nearly forgotten about his identical twin brother, Raheem. He went up to help the bruised brother up with Richard’s help who thanked Raheem various times.
When they approached Raheem they both asked “Are you alright?”
“Yeah, I’m okay. Just a little dizzy” Raheem sighed.
“By the way, how can I ever thank you for getting rid of Eddie Garcia?” asked Richard
“No need to thank me, I did it on my own will. I despise people like Eddie” Raheem explained. As the three students were walking to their lockers, the bell had rung. “Hey you kids, you’re late for class” said Mrs. Stewart, the school secretary. “Yeah, we know. We just ran into a little problem while entering the school” the boys explained.
Raheem
To The Only, honestly I’m uncertain of what I will entitle my novel but I will think of that when my novel is complete.
Lol @ Kenny

Here is the story to better solve the situation: Basically mom was talking to dad on the phone, and they started arguing and yelling at each other. He told her "Why can you be like Natasha or Ira(Their friends) Who are working and make good money being realtors and accountants, but instead your sitting at home doing nothing. You are lazy. Now Angela is jobless, and I got her on my shoulders now too(Angela is me.. BTW I am not jobless anymore.. I found work.) If I didn’t have you guys, I would have a lot of money."

Mom told me she broke down into tears after hanging up on him. She locked herself in her room that whole day. Didn’t cook us dinner, didn’t do the laundry, only came out to get herself a cup of tea. The next day, she was looking for jobs on craigslist for housekeeping because she used to do that, but only 20 YEARS AGO. Who will hire her if she hasn’t worked in 20 years?! Anyway my dad was pushing my oldest brother who has his own business to hire her to do a few small things part-time and make some money. My brother felt obligated, yet bad for telling her he doesn’t need her help, so she her feelings were hurt. She realized my dad was forcing my brother to hire her, so they argued more about that. I called my brother and he said he’d have her work there once things pick up more, but she doesn’t believe him. If I were her, as a wife I would take the job once it’s available(It even is now for her to do some little things) Just to compromise with my husband and keep them from the stress of fighting and possible divorce.

I’m personally hurt about everything he said just as much as my mother is. Even my poor little brother overheard everything. Now he’s upset. I never thought my father would ever say something like "If I never had you guys, I’d have a lot of money" My dad became a lover of money (likewise did my mom) Once they got into debt and applied for bankruptcy. I understand the tremendous amount of stress and worry that’s on their shoulders to provide for their family, especially in this economy, but as christians, we need to seek God always, so that we can get through anything, and live our lives contentfully.

I’m afraid they are both digging themselves up for more disappointment if they don’t leave it up to God sooner, and make up, and move on. I wish they could take things with stride and faith. I wish my mom could stop getting so offended and jumping to conclusions and just take the dang job for crying out loud. It’s a good enough opportunity instead of housekeeping which involves picking up after dirty careless pigs. I wish my dad was a softer person when it comes to my mothers feelings. Husbands should never say things that can discourage and upset their wives for a very long time.

What do I do??

Okay, so my parents are divorced and I was raised by my single mother who is a doctor, but we recently fell on really really tough times. My mom went out of business in february and is declaring corporate bankruptcy. She has absolutely no money whatsoever left in her bank account–not a penny. She has a small amount of cash to get by on for the next few months until everything gets sorted out, but that’s it. She can’t get a job right now because she has a ton of financial and legal issues to deal with and she has to do it all entirely on her own. Because of this, she is constantly stressed and very fragile mentally and there have been many times when she’s been on the verge of a mental breakdown. And my dad lives in New Jersey with his rich parents (who won’t give us a dime) and has no money and no job

But now I’m going to college in the fall and I need money desperately. Not only that, but I just found out today that the money for my dorm at college is due in about two weeks. I’m trying really hard to get a job, and I think I’ll get one soon, but I can only work during the summer and I’ll only be able to save up a small amount for college. We’ve been working with financial aid at the college I’m going to (The Fashion Institute of Technology), but it’s not going well. Because of the mess that my mom’s in, both financially and mentally, she’s having a really tough time getting all the documents they need. She’s been working on the financial aid stuff since February and it’s still not done. She keeps saying to wait until that’s done before looking at other options for getting money, but I only have about three months left and now I’m really getting scared.

So what can I do? Should I call financial aid myself and explain my situation and ask them what I can do? And how can I get student loans? And when should I get a loan? Any advice you can give me would be greatly appreciated! I’m desperate and really scared! Help please!!
I’ve applied for scholarships too, but I haven’t heard back about any of them, so I have no idea if I’ll be getting any money that way…

okay so before i wrote the first part to my book from this 11 year olds Summer point of view. now this is the same story, but a chapter about her friend Holly.
—
I heard a knock on the door. I was upstairs in my room when it all happened. It was quick, like removing a band aid.
“Gloria hello! Do come in” I heard my mother say. That’s when my heart came to a stop. Gloria had no business being here and I wanted her out of our house. You see, my dad, Rollin Fareview is an author. Gloria was his publisher. She didn’t really work for a company, which is what made her scandal possible. My dad took his manuscript to her and she took it and used it and took credit for his work! The court trial is this weekend. My parents told me to say nothing to Summer because they didn’t want her worried, because that’s what she gets when it comes to family. But my family was always nice to Gloria because it’s never good being rude to someone’s face.
“Hello Carrie” Gloria’s scratchy voice made its way up to me as I listened at the top of the steps. I could imagine her bug eyes scrutinizing our living room.
“Would you like some tea?” my mom asked kindly. I peered just in time to see Gloria wave her hand away rudely to my mother. I thought hard in my head and put a whole act together in my head. But I’m not the best actress, which was why the acting was usually left to Summer when we did this kind of stuff. I walked down the stairs very loudly.
“Who was at the door mom?” I asked my mom walking into the living room. My mom wasn’t in the living room though. I knew I had to continue anyway. I saw Gloria and was still ready to put on the performance of my life.
“Gloria Hallows is that you!?” I gasped at Gloria. Gloria looked very confused then took my image in.
“Oh hello, um, Nikki” she guessed. I smiled an obvious fake smile.
“It’s Holly, but close enough” I rolled my eyes.
“Well excuse me child I don’t know if your mummy or daddy ever taught your manners but you cannot just be rude like that!” Gloria lectured me.
“Take your own advice” the words came out of me. I was getting better at improvising.
“Excuse me?! I am Gloria Hallows, a great writer!” she was now at her feet. I just stood there casually and shot back.
“You must have not been that good if you were desperate enough to steal my hard working dad’s work.” Gloria maintained herself.
“Child, you don’t know what matters you’re dealing with. I was about to make an offer with your mummy and daddy so I would shut up before they come back” she said with a dangerous tone in her voice. I scowled at her. On the outside I was calm and collected but my shell was cracking. I ran up to my room. What could she be planning with me parents? What if they accept whatever the offer is? A million thoughts raced through my mind and I knew I had to talk to my parents before Gloria did. I ran to the kitchen where my parents were preparing sandwiches for Gloria.
“Mom, dad!” I ran into the kitchen.
“What is it sweetie?” my mom asked me with her misty voice.
“Gloria is going to make a deal with you. No matter what it is don’t except it no matter how good it seems she’s a twisted person and…” I trailed off. I stopped once I noticed my parents laughing. “What?” I asked.
“We already know what deal Gloria is planning on making and don’t worry pumpkin we are going to say no” my dad assured me. That made me feel better but I knew I had to stand by and make sure they stayed true to their word.
“Here are some sandwiches to enjoy” I heard my mother say to Gloria.
“No thanks. But that’s a nice blouse you got on.” It sounded as though Gloria was struggling to talk with a sore throat although I knew that was her normal voice. The thought of what her voice might actually sound like if she really did have a sore throat kept me distracted for a bit. I snapped back into place.
“So then we wouldn’t have to have the trial and it would be a win-win” I heard Gloria finish the end of her deal. I was a little disappointed I didn’t get to hear what she was offering but I knew it couldn’t be good if she was just trying to get out of court. I listened intently, waiting for my parents to reply.
“Do you have a contract?” my mother asked softly. I stopped myself from gasping. Usually when people ask that, that means they are thinking about accepting the offer! I couldn’t let this happen. I had to do something. I knew I had to get Gloria Hallows out of my house before any more damage was done. I peered into the room just in time to see Gloria smile.
“In fact I do Catherine” Gloria reached into her purse. I had to improvise. Anything would do. I walked into the living and once I was there I knew there was no turning back.
“Mom” I said to my mom, acting oblivious to what was going on. I caught Gloria’s sinister glare in the corner of my eye.
“Yes sweetie?” my mom replied patiently.
“I just got off the phone with Summer, she will be here any moment” I lied right there on the spot
I wasn’t sure if it was believable but it was all I had.
“Okay thank you for telling us” my dad joined the conversation. I looked at Gloria as if just noticing her.
“Oh Gloria, you’re still here! I don’t think you will want to be here when Summer comes, I have to say she isn’t a fan” I decided to throw in an evil tone, “at all.” And that had done it for Gloria Hallows.
“Well alright then. A hater to me is a hater for them” she stood up and turned to my parents. I was still trying to comprehend what she just said as she spoke in a whisper I managed to catch. “Boat house, tonight, 8:00.” She smiled, waved, and left with a stupid grin on her face I couldn’t trust. Our family resumed back to normal.

home.
We are staying in the home on the property my parents have their business on so everyone is all right.
I live next door in a trailer.
We are a very close family.
Unfortunately they are so depressed even though they can save the business and are able to stay in the home on the property they feel they have made a terrible mistake.
They expanded the business by buying the new property and planned to stay in the house on the property on that land until they decided whether to move back to the house we bought when I was a child and rebuilt from the ground up.
As you know the economy went bad.
Also my sister and brother in law moved from another state to help run the business. They feel they let my sister and brother in law down by having financial difficulties. They have lost all of their savings and everything.
We all have all lost everything almost as have most people in America have at this point and time.
We know we will make it and they know that.
We all know we have it better than so many not to complain. We are not complaining. But my parents are so depressed my Father has stopped taking his medication. His Doctor has warned him he could wind up in the hospital or die. My Mom is not taking care of herself and I cannot get them to see a therapist.
What can my sisters, brothers, & I do to help them?
They are such good people they would give you the shirt off their backs if you needed it.
I don’t know how to help them.

I really appreciate your answers.

I worked for a small mom and pop operation this past summer for around 3 months. Made a gross of around 3400 dollars. The owner passed away in January 2009, last month. The co owner is disabled and knows nothing about the books or finances. I can’t seem to get a 1099 from this business which could be pending Bankruptcy. What do I do?

Well basically my parents are small business owners, and apparently on the brink of bankruptcy. I’m a senior in college, and my mom has co-signed on a few of my loans, not to mention I’ll need her to co-sign this coming semester (my last as an undergrad)… how will that affect me? Thanks!