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By Robin Leonard J.D., John Lamb Attorney

ISBN-10: 1413306357

ISBN-13: 9781413306354

ISBN-10: 1413307671

ISBN-13: 9781413307672

Probably you could have had issues of credits. or even you have not, yet your credits file says you probably did besides, approximately 70 percentage of credits reviews comprise mistakes. both approach, a less-than-flattering record can harm your probabilities of qualifying for a bank card, personal loan or the other form of personal loan, it could even get within the manner of renting an condo or discovering a role.

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You can avoid reporting the forgiven debt as income only to the extent of your insolvency. For example, if you have debts of $40,000 and assets worth $38,000, you are insolvent by $2,000. If a creditor forgives a debt of $3,000 you must report as income the amount that exceeds your involvency—$1,000 in this example. If the debt was discharged in bankruptcy or you conclude that you are insolvent, you must complete IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness, and attach it to your tax return.

Label the remaining columns with the months of the year. Unless you wrote your budget on the first of the month, start with next month. During the course of the month, use a pencil (or computer) to write down and update your expenses in each category. At the end of the month, total up how much you spent. How did you do? Are Chapter 2 | Avoiding Overspending | 31 Monthly Budget Expense Category Projected Home Rent/mortgage Property tax Insurance Homeowners assn. dues Telephone Gas/electric Water/sewer Cable Garbage/recycling Household supplies Housewares Furniture/appliances Cleaning Yard/pool care Repairs/maintenance Food Groceries Breakfast out Lunch out Dinner out Coffee/tea Snacks Clothing Clothes, shoes/ accessories Laundry, dry cleaning Mending ©nolo F-4 32 | Credit Repair Monthly Budget (continued) Self Care Toiletries/cosmetics Haircuts Massage Gym membership Donations Health Care Insurance Medications Vitamins Doctor Dentist Eye care Therapy Transportation Car payments (buy or lease) Insurance Registration Gas Maintenance/repairs Parking Tolls Public transit Parking tickets Road service (such as AAA) Entertainment Music Movies/rentals Concerts, theater, ballet, etc.

You do not have to reaffirm any debt; if you do, you must pay it off even though your other debts have been discharged. Any agreement to reaffirm a debt must be written and filed with the bankruptcy court. You can cancel a reaffirmation agreement before your debts are discharged or within 60 days after the agreement is filed with the court. Chapter 1 | Assessing Your debt Situation | 21 If an attorney did not help you negotiate the reaffirmation agreement, it must be approved by the court. Of course, bankruptcy isn’t for everyone.

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Credit Repair by Robin Leonard J.D., John Lamb Attorney

by Jeff

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Categories: Personal Finance