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Would filing for bankrupcy in December of 2000 instead of January 2001 make a difference in the duration (6 or 7 year period) of my credit rating being affected?
response from Shane Brenneis (Dec 18/2000) |
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What is the time period between meeting with, giving all information to the trustee and actually filing for the bankruptcy?
response from Shane Brenneis (Dec 18/2000) |
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I am a Canadian citizen working in the US on a
long-term work visa. I have $35K CDN student loans and $10K CND credit cards
debt. Revenue Canada does not require me to file an income tax return
because I have very little ties to Canada. I realize it is unethical, but what are the implications for not making any more payments on my debt in Canada?
response from Shane Brenneis (Dec 18/2000) |
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As a resident of Ontario with a good job and heavy child support costs, I have approximately $40K in debt and no reasonable means by which to repay it. I am considering personal bankruptcy and would like to understand costs and process. What is not included? What is the impact?
response from Shane Brenneis (Oct 2/2000) |
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Can I keep my summer cottage if I go bankrupt? There is no mortgage on it and it is only worth $13,000.00, but I owe about $120,000.00
response from Shane Brenneis (Oct 2/2000) |
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My parents own a motorhome and an RV lot in B.C., but all of their mail and government documentation supports that my home is their address even though they live on this lot. My question is, given these circumstances can the motorhome be taken from them if they file for bankruptcy? Also, are there any programs specific for seniors who are considering bankruptcy?
response from Shane Brenneis (Oct 2/2000) |
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My bankruptcy was discharged a year ago. I owe no money to anyone and have faithfully paid my new credit card off every month (need the card for hotel, car rental, etc.). I cannot get a checking account. What are the general rules that banks use and are there any banks you know of in Atlanta, GA that will give accounts to people who have filed?
response from Shane Brenneis (Oct 2/2000) |
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Just what would you suggest -- a proposal or bankruptcy? I owe approx. $41,000 in credit card bills ...
response from Shane Brenneis (Oct 2/2000) |
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My husband and I have seperated and are consider filing bankruptcy. We have a mortage, a second mortage and a home equity loan, along with a credit conseling account for all our credit cards. We own two older cars and are leasing a current car. Can we keep our home and our car
and still file bankruptcy on our second mortage and home equity?
response from Shane Brenneis (Oct 2/2000) |
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My husband and I are considering filing bankruptcy. One of our debts is a bank loan that was co signed by my husband's Mother ...
response from Shane Brenneis (Oct 2/2000) |
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I claimed bankruptcy in 1996 and at the time a seven year wait is what I was told. Is there something I can do now to have this discharged? What is the procedure? Is it still a seven year wait?
response from Shane Brenneis (Oct 2/2000) |
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Can you declare personal bankruptcy twice? If yes, what are the consequences?
response from Shane Brenneis (Oct 2/2000) |
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I understand that your credit rating drops to R7 for BOTH personal bankruptcy and OPD. If that is the case, why?
response from Shane Brenneis (Sept 25/2000) |
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I am a month behind on my home. If I file bankruptcy can I lose it? We can't aford to pay all the bills we have.
response from Shane Brenneis (Sept 25/2000) |
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Can bankruptcy stay with you for the rest of your life? For example, every time you want to buy something on credit will it pop up that you have filed bankruptcy?
response from Shane Brenneis (Sept 25/2000) |
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What happens to some assets I have in a shared corporation if I claim bankruptcy on a 10-year-old Canada Student Loan? Are they exempt? Also, if I have credit cards, but nothing owing on them, do I have to notify the credit card companies?
response from Shane Brenneis (Sept 11/2000) |
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My wife and I are considering bankrupcy. Are my Revenue Canada owed taxes (payroll)included as debts in the bankruptcy? Can we include my wife's student loan dating back to 1989? I hear mixed answers since the loan was from so long ago.
response from Shane Brenneis (Sept 8/2000) |
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I want to know if you can help pay off my past due bills. Every time I apply for a credit card I always get denied.
response from Shane Brenneis (Sept 8/2000) |
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I am 60 years old. I am separated from my husband. I have approximately $16,000 in debt - almost entirely due to credit card debts incurred between the time I was separated and when I first got work. Also, I am sure I owe taxes for the year 1998.Should I file my 1998 tax return and then file for bankruptcy?
response from Shane Brenneis (Sept 7/2000) |
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I live with my boyfriend in Ontario(2 years). I do not have any assets (house/car)in my name. We have a joint bank account. I have student loans of $20,000.00 and have been out of school since january, 1990. What happens if I file for bankruptcy? Any reprecussions with my boyfriend? How about the student loan?
response from Shane Brenneis (Sept 7/2000) |
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I am trying to start a home internet business. Obviously I need my computer to do this. If I did decide to file, would my computer and other office equipment (ex. fax machine) be considered tools? Who determines the value of furnishings and appliances. And lastly, I have two cars which are both secured; would I be able to keep both of them and continue making payments?
response from Shane Brenneis (Sept 7/2000) |
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If my boyfriend files bankruptcy and his ex-girlfriend's name had been added to his credit cards, which he
said she never used, how much will she have to be involved with this whole mess? Will she have to be at court with him? Is there a way to tell which one of them spent the most on creating this
debt by retaining records and so on?
response from Shane Brenneis (Sept 7/2000) |
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When you declare bankruptcy what happens to your RSP's?
response from Shane Brenneis (Sept 7/2000) |
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What is this fee for filing for bankruptcy about, what kind of debt will survive bankruptcy, can the bank take our home, we listed some furniture with the Associates. Can they take it?
response from Shane Brenneis (Sept 7/2000) |
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Seven years ago I did a consumer proposal which was paid off in Dec of last year. The company I had for a Trustee tells me that it is up to me to go to the Credit Bureau and show them my discharge papers, otherwise the info will show still as not paid. Is this true?
response from Shane Brenneis (August 23/2000) |
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I now live and work in Germany, but I still have a lot of outstanding debt in Canada. If I declare bankruptcy in Canada will I have to disclose my financial information and earnings in Germany? I am also married to a German citizen. Could this affect her in any way?
response from Shane Brenneis (August 23/2000) |
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What will happen if I file for bankruptcy? Will my employer be notified? What happens to my wages? Also I need my vehicle for work, what will happen to it? I know that you may not be familiar with the laws in Ontario, but could you please provide me with some info?
response from Shane Brenneis (August 23/2000) |
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We took our bankruptcy out over 11 months because we were unable to afford the payments over nine months. We have now come into some money from a personal injury settlement. Would we be able to pay it out early and be discharged within the 9 months?
response from Shane Brenneis (August 23/2000) |
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My husband has a loan and it is co-signed by his mother and he wants to file but is worried that he can't because his mother will have to repay the loan for him. What are his options? She co-signed more than one loan and we can't afford to make the payments anymore due to a change in jobs.
response from Shane Brenneis (August 23/2000) |
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If I declare bankrupcy can the bank take away my home and other belongings, like
machines that I use for business to supplement my income? Is it worth filing for bankrupcy or should I keep trying to pay what I can each month on my credit loans?
response from Shane Brenneis (August 21/2000) |
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I have already filed for a divorce, but I just found out that my husband has filed bankruptcy. We did not have any joint accounts except for a checking account for a short time. He has over $40,000 in credit card debt all incurred before we were married. Will I be responsible? Will this hurt my credit standing?
response from Shane Brenneis (July 28/2000) |
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After your bankruptcy hearing how long does it take to be discharged?
response from Shane Brenneis (July 28/2000) |
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What proof do you require of the value of your car and clothing?
response from Shane Brenneis (July 27/2000) |
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Discharged from bankrupt Feb 97. Employed with the same employer for 6 years. Separated, wife filed for divorce. Does Bank of Montreal offer secured credit card? What are my chances of getting one?
response from Shane Brenneis (July 27/2000) |
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What happens to my income tax in the current year of my proposal? Can I file seprate income tax for that year of the proposal?
What happens at the meeting of the crediors to me, if I withdraw my proposal?
response from Shane Brenneis (July 27/2000) |
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Are there any companies in Canada which offer unsecured credit cards to previous bankrupts? In the USA, it appears to be easy to get a credit card, even with bad credit, no credit or previous bankruptcy. Is that not possible here?
response from Shane Brenneis (July 24/2000) |
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I am currently a student and over the past couple of years I have run up a number of bills that I haven't been able to pay. Now one of the companies is threatening to sue me and I cannot afford the legal fees and I cannot afford to pay them outright so what is the best possible solution here? Please help me.
response from Ann Clarke (July 24/2000) |
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How long does it take before I can be approved for a mortgage after being discharged from bankruptcy?
response from Shane Brenneis (July 21/2000) |
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The company which I purchased a car from filed bankruptcy and their finance person wants me to give my car to them. What about my investment? What are my rights?
response from Shane Brenneis (July 21/2000) |
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If I claim personal bankruptcy how does it affect my partner? Will his income be taken into consideration as mine pertaining to my bankruptcy?
response from Shane Brenneis (July 21/2000) |
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I filed bankruptcy--Chapter 11, I have sold the cars to others who still owe me. What will happen to the cars? Can the people keep the cars and pay my trustee?
response from Shane Brenneis (July 21/2000) |
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I have one creditor which has sent my account to collection. When I told them I could not come up with the lump sum, and might have to declare bankruptcy, she told me that I would need $1,500 to do it, and if I didn't have $1,500 I could not declare. Is this true?
response from Ann Clarke (July 21/2000) |
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We have 2 vehicles: a 1995 Ford Ranger, worth about $7-8000, which is free and clear and I am making payments on the other one - a Crysler - which is worth about $17,000 the same amount as what I owe on it (a loan, not a lease, due to the miles I put on it every year). We each need a vehicle to drive to work, because we live out of town. I read that in Alberta, we can keep a vehicle worth $5000. Now, I understand that it's between me and the loan company what happens to the Crysler, but will our truck get sold because it's worth more than the allotment, forcing us to but another cheaper one so my husband can get to work?
response from Shane Brenneis (July 6/2000) |
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I took out an Avco loan a year or two ago which was a chattel mortgage. I've been unable to make payments recently because of a job change, but unable to file bankruptcy at the present time because I am wrapping up an incorporated company. Avco has obtained a judgement and a wage garnish (garnished my wages with my company) which I have honored, however with gaining new employment in a couple of days I am worried avco will pursue my new employer and jeopardize my employment. I am planning on meeting with a trustee within the next week to declare bankruptcy. Is there anything I should do in the meantime to prevent Avco from contacting my new employer? My new employer is the same company I used to contract to so they know who it is. Because a judgement has been obtained will I still owe the full amount after declaring bankruptcy or will I have to settle on this. I don't care if they take the two items they have as security.
response from Shane Brenneis (July 6/2000) |
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I had co-signed a loan with my wife, at the bank's request. She has now gone into bankruptcy. I receive a Canada Pension Disability in the amount of $890.00/month. Can the bank garnishee my pension?
response from Shane Brenneis (July 6/2000) |
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My question is are you entitled to keep child tax credit and Alberta family tax credit ? Is this considered income ? I have three children and my husband is the sole income earner.
response from Shane Brenneis (July 6/2000) |
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I have talked to a lawyer about stopping this. It seems it will take somewhere between 20-50,000 to stop him, and then it may be too late as he is spending more and more, and not paying the bills. What choices do I have as far as claiming bankruptcy in the company instead?
It is a complicated case, as the company was in development stages,and was planning on having many avenues of business. We had an online store in progess. We had a team of web developers, and many jobs on the go, we ran an ISP ( Internet service provider, and had a WAN between towns for businesses.
The other shareholders has taken all the staff, jobs and is running them
out of a different company. So to bank rupt this company would not help to stop his theft. I can not afford the 20,000. But feel that he has done wrong and should be stopped.
response from Shane Brenneis (July 6/2000) |
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My husband and I have a computer that we own, and I was wondering if you clain bankruptcy if we would have to sell the computer,because this is our only means of keeping incontact with our family members because we do not have a phone. This is because we did not have any money to pay our phone bill. We also do not have a credit card so can we still file for bankruptcy?
response from Shane Brenneis (July 6/2000) |
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If a bank has a lien on your vehicles will they take them automatically or can you keep one if your husband's job depends upon having a vehicle, not just to get to work but to actually perform the job?
response from Shane Brenneis (June 26/2000) |
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My husband and I are considering bankruptcy. He works full time, I'm home with our 2 kids. We currently owe approx. $17,000
personal loan unsecured and $11,000 on credit cards. We have an old car worth
1,000.00, which he drives for work purposes and are leasing a truck through
Ford Credit of Canada. Our only asset is this computer worth $1,500.00, a
1979 trailer worth approx. $1,000.00. My question is, should we be able to
keep our truck, since we are up to date on payments?
response from Shane Brenneis (May 10/2000) |
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I have credit card debt only..I need to declare.. I just started a new job..was Mr. Mom for last three years, so no income. I was wondering if taking extra tax off my cheque would help .. that way I would be sure to receive a refund... Would this tax refund be distributed to creditors or just used for your fee and I would receive the rest?
response from Shane Brenneis (May 8/2000) |
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I have been an American citizen all my life but have lived in Canada all my life. However, I am now leaving to live in the US and will be obtaining a social security number. My question to you is, what happens to my current credit file? If I apply for credit down in the States using a new social security number and a new address will I in fact be creating a new credit idenity for myself? Or is this even possible? My next question concerns a bankruptcy. I recieved a full discharge in August of 94. I live in BC where the bankruptcy was obtained. I had wondered when this will be removed from my credit file as their seems to be a lot of uncertainty even amongst banking professionals. My trustee had told me 6 and I had confirmed this with an Equifax telephone operator. According to them I should expect to see it off my file in
August of 2000. Could you please confirm this, and would you recommend someone I could speak with perhaps about this and other issues I might have regarding my credit situation.
response from Shane Brenneis (May 8/2000) |
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What constitutes someone to claim banruptcy? How do you go about it? What are the qualifications in other words and how do this affect your credit rateing in the future? What happens to anything you own now like an old car, furniture, and if you are just making enough to go from day to day but not pay off any bills but rent and food,utilities. Also how would this affect that I have to pay so much a month child maintenance which is why I can't keep up with any other bills? Except as I stated above not including health care.
response from Shane Brenneis (May 8/2000) |
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Can I file bankrupcy if I am not an American Citizen and am here on a work visa?
response from Shane Brenneis (May 8/2000) |
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I have a friend who recently discovered her spouse has credit cards in his name only owing over $12,000. She was unaware of these cards and he is now wanting to file for personal bankruptcy. She does not and is concerned about their joint holdings (car, home and credit card). Please advise as to what will happen to her in this situation. Will he be able to do so without her involvement? Will her credit rating suffer?
response from Shane Brenneis (May 8/2000) |
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I am currently living in Alberta, however I am planning to move to Ontario. If I am required to appear for court because of a second
bankruptcy, what would happen if I was unable to appear due to being unable to get enough time off work (because it would be on a weekday, and is a substantial distance to travel) or if I didn't have enough money to pay for the trip west? Are there any other options that would be available to me due to these hardships? Could I have the proceedings transfered to Ontario?
response from Shane Brenneis (April 18/2000) |
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My wife had a credit card from work in the company name and her name. It cost us 15,000.00 for a loan to pay it off. The company gave her another one only after the credit card company made her sign saying she would use it for company use only . Of course this did not happen and we borrowed 10,000.00 more, but still owe 4,000.00 to the credit company. My wife quit this job a year ago and can't pay the credit company and they said
they are getting a judgement against her and will take her personal
belongings and house (no equity after sales commisions).Can they do this,
just walk in and take everything? or are they trying to intimidate us? Why are they not going after the company that she worked for and which gave her the card?
response from Shane Brenneis (April 18/2000) |
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I am currently borderline bankrupt for the second time in my life. If I follow through with claiming bankruptcy again will I still be able to get a mortgage to buy a house, or will I have to seek out alternative lenders (are there such things)? Would I have any problem in getting my bankruptcy discharged since it is my second one? What possesions if any will be seized for my bankruptcy?
response from Shane Brenneis (April 17/2000) |
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I owe the following: bank loan (joint with wife) 15000 secured by our vehicles, avco 2700 secured by a chattel on my personal property, 28000 in credit card debts. I cannot meet the monthly commitments on all of these debts. We require both vehicles and do not want to approach our bank about declaring bankruptcy in case they get cold feet and call the loan. We make our payments faithfully. My wife is on the loan and she doesn't want to declare bankcruptcy because the debts are in my name only, except the bank loan. Will I be able to: keep the vehicles, what happens to my income including overtime monies? If my wife is not bankrupt can she hold the personal property in her name? Will this clean off my credit rating and only show the bankruptcy?
response from Shane Brenneis (April 17/2000) |
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I am considering bankruptcy. I have a house with less than $40,000 equity. I am slightly behind on my property taxes, but my mortgage is up to date. Is my house safe through a bankruptcy?
response from Shane Brenneis (April 17/2000) |
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I am considering bankruptcy in the very near future,
as my credit is beyond repair. My problem is this: I cannot open a bank account. I have been declined at three mayjor banks, after they do a routine credt check. My credit report indicates a R9 with just about every creditor. I cannot set-up auto deposit at my new job, which is a company policy. I have to pay my creditors, landlord and utility bills with money orders,costing $5.00 ea. I lose 40-$50.00 bi-weekly using near banks to cash my paycheque. I'm digging myself deeper into a credit hole every month with these expenses. How can I open a bank acct?
response from Shane Brenneis (April 17/2000) |
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I obtained credit with several companies four years ago when I had a good job. However, for the past two years I have been unable to meet any of these obligations, due to employment problems. My creditors have recieved no paymnets from me in this time. Also, I haven't kept my address/employment info current with them, so they have been unable to contact me. It's been so long since I've seen a statement from any account that I dont even know what I owe anymore. I've heard this may be considered fraud. Can I be denied bankruptcy or OPD based on this?
response from Shane Brenneis (April 17/2000) |
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My boyfriend lost his job due to his mother being ill and him needing to take her to the doctor or emergency room. He had no recourse but to file bankruptcy, chapter 7 back in september '99. Every time he turns around to look for a job his mother gets sick. His student loan was not discharged because he went into repayment in 1994. This problem with his mother began in 1992. He has been unable to hold a job, because of her. The student
loan organization wants 2000.00 up front and $300.00 a month on a $20,000.00 dollar outstanding loan. I don't want to marry him
because I don't want his debt. He lives with his mother on their her
social security check. Can he go back to his attorney and ask
about filing an "undue hardship"?
response from Shane Brenneis (April 5/2000) |
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I was repaying my debts through Alberta Credit Counselling, but during this I became single and couldn't keep up. This led to missed payments and me finally being kicked of the orderly repayment plan. What can I do now? These are student loans and I know I can't bankrupt them, but I can't exactly pay them either. At least not what the creditors would like.
Please help, the stress is going to kill me.
response from Shane Brenneis (March 27/2000) |
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I am a single parent and a student just finishing my studies. I have approx. $20,000 student loan, $5,000 in credit cards, $6,000 student line of credit with my dad as a co-singnor. My student line of credit consists of credit cards and a loan for my computer. Can anything I have bought with my credit cards or my computer be taken away? I have $5,000 in an investment account for my son. This is for his education. It is in his name, but I am the trustee. I don't know how long before I find a job. I have discussed my credit with the banks, they are not very helpful like people say they are. What will happen if I declare bankruptcy? Or is there a better route to go? What is the OPD? I had a friend who used this route. I really don't want to declare bankruptcy. If my car is security,can it be taken away? Can they take my GST and my Child Tax credit? HELP!!
response from Shane Brenneis (March 27/2000) |
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What happens if you are barely getting by month after month and cannot even afford the Trustee's fees? I've heard that if one can get two trustees to deny you as you can't afford to pay that you can still go bankrupt and not have to pay. If this is true, how does it work? Also, I'm going to be the one going bankrupt and my husband is a permanent resident of Canada and I'm the one who sponsored him for 10 years (have only gotten through 1 year), will my going bankrupt affect us with Immigration?
response from Shane Brenneis (March 27/2000) |
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Both my wife and I are considering bankruptcy. We would like to know about the exemption amounts...ie. $4000 furniture and appliances and $4000 personal items.
Would we both have these exemptions (thus adding up to $8000) or would we
only be eligible for a total of $4000?
response from Shane Brenneis (March 27/2000) |
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Part of my student loans are in collections and the other part are still being covered by Interest Relief. I have accumulated a lot of other debt which may be going to collection agencies. My question is..if I claim bankruptcy, what debts (in the collection agencies, if any) will be covered by bankruptcy?
response from Shane Brenneis (March 27/2000) |
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I have a loan with Avco ($7000.00) for which I used my household goods for security and a loan with Capital City Savings for which I put my car (1994 colt) up for security. If I claim bankruptcy will I be able to keep my car and furniture?
response from Shane Brenneis (March 20/2000) |
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I'm in an undischarged bankruptcy and a creditor is objecting to my discharge. Do I have any recourse?
response from Shane Brenneis (March 14/2000) |
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My company has been placed into bankruptcy. I have personal guarantees for some of the debt. I carry no debt on my personal credit card. In the event of a possible personal bankruptcy can I retain my card?
response from Shane Brenneis (March 14/2000) |
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Half of my student loan is still with the bank, while the other half has gone to collections($8000). I can afford to pay $400 towards my loan each month (I go to school and work part-time). Do you think it's possible for me to obtain a loan from a bank for $8000? That way I could pay back the collection agency and make payments to the bank instead. Could you please advise me on how to get a bank loan. I don't know if it'seven possible at such a low income.
response from Shane Brenneis (March 9/2000) |
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I'm paying monthly to the bank for a car loan. I need the car to get to work. Can I keep the car and still pay off the loan after bankruptcy? What about if I have a personal loan with them and a credit card (Visa) as well? If I bankrupt on the latter two, will they still allow me to sign a reaffirmation to keep the car? Do they have to accept the reaffirmation? Can I sign a reaffirmation on ALL the bank loans? If so, could this cause problems with other creditors (cards) I'm bankrupting on?
response from Shane Brenneis (Feb 29/2000) |
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My husband works for a casino. If he files bankruptcy, will he lose his job?
response from Shane Brenneis (Feb 29/2000) |
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Businesses can get your credit rating very quicky. I was wondering if there is a free site on the web where I can get mine. I have had a hard time getting credit after almost three years of being discharged.
response from Shane Brenneis (Feb 14/2000) |
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I am currently in debt to the amount of about $70,000, and am considering bankruptcy. What, if any, bills will be cleared? Will this affect my wife? Will I lose my house and truck if I do declare bankruptcy?
response from Shane Brenneis (Feb 11/2000) |
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Debts to the IRS. Considering declaring bankruptcy
response from Shane Brenneis (Feb 11/2000) |
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The company I worked for filed for bankruptcy in April 99, and what I want to know is , how do I get my T-4 slip for Jan. through
April of 99?
response from Shane Brenneis (Feb 7/2000) |
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I am in the middle of bankruptcy. I would like info on how to get a loan after it's over.
response from Shane Brenneis (Feb 7/2000) |
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Are the laws of personal bankrupcy the same for all provinces? Could you direct me to a site where I can obtain advice for the Yukon or BC.
response from Shane Brenneis (Feb 7/2000) |
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A creditor is threatening to sue me. What can he do before I declare bankruptcy, and what can he do after?
response from Shane Brenneis (Jan 31/2000) |
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1. My husband works in a secured area at the airport and needs to be bondable. Will he still be bondable if we file for bankruptcy? He does not deal with money at all.
2. Who decides if you should file for bankruptcy or make a consumer
proposal. Can the Superintendent of Bankruptcy "contest" this if he feels a viable consumer proposal could have been made? What happens in that case if you've already filed for bankruptcy? 3. How long can you be kept in bankruptcy if the creditors feel you have not paid enough?
response from Shane Brenneis (Jan 24/2000) |
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Needing to improve credit rating after having twice declared bankruptcy
response from Shane Brenneis (Jan 24/2000) |
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I am presently working in retail as I have been unable to find outside employment in web design. As I have the funds, I intend to take courses to further my education to that end. In the meantime, I am picking up odd jobs to work on web design in my home. I have been told by another Trustee that I have to sell my computer to pay trustee fees as I
am not using my computer in a full-time business. I am seeking a second opinion.
response from Shane Brenneis (Jan 24/2000) |
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Since we have gone into bankruptcy our incomes have decreased, making it difficult to pay rent, water, electricity, and our bankruptcy payments. We are lucky to put food on the table. My question is, can bankruptcy payments be lowered after we agreed to pay the amount stated? Also my landlord is threatening to cut off our water supply. Can he do this?
response from Shane Brenneis (Jan 24/2000) |
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In a case where one has accumulated bills beyond the ability to pay them off, or even make all the minimums, and being off
work for medical and stress leave, what are the alternatives? The stress of
dealing with the debt is causing more health problems, so it seems like a
vicious circle. What do you recommend?
response from Shane Brenneis (Jan 24/2000) |
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My husband and I are considering filing for joint bankruptcy. Our house has been assessed at $139,500 by the City for tax purposes. Our morgage is $95,000. Making the equity in the home $44,500. I understand that in Alberta the exemption is $40,000. Will this mean we would lose our home?
response from Shane Brenneis (Jan 24/2000)
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