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Reload this Page I am an Insolvency Specialist (Bankruptcy/Proposal/Receivership)-ask me anything
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Old 11-12-2012, 04:23 PM   #1
Rocky Raccoon
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This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
Last edited by Moderator; 01-31-2014 at 09:22 AM. Reason: Request for removal
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Old 11-12-2012, 05:05 PM   #2
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Is this correct?
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Old 11-12-2012, 05:08 PM   #3
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In a bankruptcy, can a debtor keep a house if they own one? If so, do they have to give up any equity to their creditors?

Can they still be foreclosed on if mortgage payments aren't made?
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Old 11-12-2012, 06:31 PM   #4
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MODERATOR EDIT
This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
Last edited by Moderator; 01-31-2014 at 09:26 AM. Reason: Request for removal
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Old 11-12-2012, 07:12 PM   #5
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MODERATOR EDIT
This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
Last edited by Moderator; 01-31-2014 at 09:27 AM. Reason: Request for removal
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Old 11-12-2012, 07:23 PM   #6
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MODERATOR EDIT
This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
Last edited by Moderator; 01-31-2014 at 09:27 AM. Reason: Request for removal
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Old 11-12-2012, 07:46 PM   #7
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MODERATOR EDIT
This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
Last edited by Moderator; 01-31-2014 at 09:27 AM. Reason: Request for removal
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Old 11-12-2012, 07:51 PM   #8
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MODERATOR EDIT
This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
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Old 11-12-2012, 07:52 PM   #9
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Rocky,
What is your professional background and how did you get into this career?
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Old 11-12-2012, 08:01 PM   #10
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MODERATOR EDIT
This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
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Old 11-12-2012, 08:15 PM   #11
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This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
Last edited by Rocky Raccoon; 11-12-2012 at 08:21 PM.
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Old 11-12-2012, 09:07 PM   #12
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What are some good warning signs that suggest someone should pursue an OPD, debt consolidation, or other alternatives before things deteriorate to the point that a proposal or bankruptcy is necessary?
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Old 11-12-2012, 10:17 PM   #13
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What's the salary range of a licensed Insolvency Specialist?
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Old 11-12-2012, 10:22 PM   #14
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What's the underlying reason why its so hard to discharge student debt compared to every other kind of debt?
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Old 11-12-2012, 10:25 PM   #15
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This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
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Old 11-12-2012, 10:28 PM   #16
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I heard that they changed the term from 6 months to 2 years now, correct? Defaulted mortgages and back taxes are not part of the process, correct? I had a few acquaintances who had to go through this. One girl was kind of dumb about it, and decided to max out her credit card in the weeks leading up to declaring it, but anything in the last 6 months (or is it longer?) can be looked at and excluded from the list (from what my friends told me in their dealings).

It sounds like a rather complicated process, but it seems to at least allow people who have made mistakes or bad decisions from 'ruining' the rest of their lives.
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Old 11-12-2012, 10:35 PM   #17
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This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
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Old 11-12-2012, 10:59 PM   #18
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This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
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Old 11-12-2012, 11:04 PM   #19
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I have nothing to add except this is a fascinating read and I love your use of the word pursuant, and I endeavour to use it more at work myself. Kudos.
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Old 11-12-2012, 11:14 PM   #20
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This thread has been modified. After being banned the original poster of the thread has indicated the information provided in the thread is the proprietary property of Browmwich & Smith, Inc. and requested that the information be removed or be faced with a lawsuit. We disagree but in an abundance of caution and to avoid the hardship of having to defend such a lawsuit we have complied with the request.
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