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Can you file bankruptcy and keep your house?
I dont want to file bankruptcy, and I don't have a house- I was just wondering!!
So, can you get a house, pay on it for a couple years, but it under your parents name & file bankruptcy- and keep your house..?
I think this is why costs are so high for other people, because we have to compensate for costs of people who filed- what are you thoughts?
The laws vary with the state. In my state, the State Constitution allows you to keep up to $35,000 in equity on your primary home in a Chapter 7 Bankruptcy.
In no case, will you be able to keep your house if you stop making payments on it. The finance company will file a motion to lift the Bankruptcy's automatic stay, and be able to recover the house, in my case, minus the $35,000 equity, but no more.
Bankruptcy does not raise costs. Bankruptcy is for people who are so far in debt, they can never pay them off anyway. So I doubt very seriously that Bankrutpcy is the reason for high costs.
Credit card fees are a primary cause of cost increase, since the seller needs to raise all their prices to pay the credit card fees.
FYI: Financial institutions can lend 20 times more money than they have, so by charging only 10% interest, plus about a 3% fee for every transaction , they will double their money every six months. Any debt written off in bankruptcy discharge, is a tax deduction, and even if they lost 50% of their non-secured loans, they would still double their money every year, and did not lose a dime of their own money. This is one of the major causes of high prices.
Scrubbed Interview: Corsi Will File Criminal Charges Against White House - 5/22/11
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