I've been waiting on the funds to take her to court so I was letting it go for now.She recently called me about 3 weeks ago out of the blue from the same number she had when she was my tenant and said she was filing for bankruptcy and would be able to start paying me in November.

Hello, I am new to this and any advise would be very appreciated.I have a 80/20 loan that were included in bankruptcy and discharged I did not reaffirmed the mortgage just continue to make payments.

The interest rate on student loans is typically lower, but they also follow you forever, even through bankruptcy, so the sooner they are gone, the better. 

, and there isn't any looming threat that at any moment you'll find yourself beguiled by a guru and swept off into bankruptcy. 2) Critique the situation yourself - I say this because you're going to need to get used to self-reliance in this biz.

Of course, they can always just file bankruptcy. 

Others have not as they figure why spend more money when they will never collect.She was within 30 days of filing bankruptcy when we seperated but has yet to file 10 months later.

I have recently fired APM ThanksI just received a notice in the mail that APM filed Chapter 7 Bankruptcy. 

Thats about a year of my net cashflowanyway i have a few questions to ask him.. i see a $3750  charge for points which him and i never spoke about... let me know if i have something i can negotiate or should i find a different mortage lenderPURCHASE PRICE: $250,000LOAN AMOUNT: $187,500INTEREST RATE: 7.990%APR: *8.370%TERM (MOS):360PAYMENT :**$1,895.50CASH TO CLOSE: $75,447.42250K PRICE 2 UNIT HOME INVESTMENTDOWN PMT/EQUITY: $62,500.00 LOAN TO VALUE: 75.000%APR COSTS: $2,819.67NON-APR COSTS: $2,647.75POINTS: $3,750.00UFMIP/FF/GF/SP: $0.00PREPAIDS: $3,730.00CONTRIBUTIONS: $0.00EARNEST MONEY :$0.00CASH TO CLOSE: $75,447.42FEE DETAILHazard Insurance Reserves: $250 Hazard Insurance Premium: $1,500 Taxes Reserves: $1,980 Application Fee: $1,280 Points: $0 Appraisal Fee: $675 Credit Report: $37 Flood Certification Fee: $8 Tax Service Fee: $68 Title-Courier/Exp Mail Fee: $80 Closing Protection Letter: $75Electronic Document Delivery: $25 Title Endorsement: $100 Title Examination: $100 Title-Lender Title Insurance: $843.75 Title-Settlement/Closing Fee: $625 Recording Fees: $470 Buyer's Attorney: $1 Title - NJ Tideland: $20 Title - NJ Upper Court: $13 Title - Notary Fee: $25 Title - Notice of Settlement: $40 Title - Recording Service: $10 Title - Search : $13 Title - Tax Search: $35 Title - Transaction Management: $35Title Abstract : $175 Title Bankruptcies: $13 Title Municipal Search: $55 Title Wire Transfer: $30

He is also looking into filling for bankruptcy.

If you aren’t rich, 401k, IRAs etc. provide some of best tax advantages vehicles as well as bankruptcy protection.