WHAT DO CHILDREN LEAVE IN THEIR SHOES AS A GIFT FOR SINTERKLAAS'S HORSE?
Each states bankruptcy Laws are different. But in most cases if you co-sign and the loans does not get paid your credit can go down the tubes also.
Yes. If you owe a creditor money and you have an asset (such as a house), a creditor can put a lien against your asset for any amount, even $1.
Yes, you can. However, you may be just delaying the issue without solving the cause, because you eventually will have to pay the loan. In addition, you are adding the costs of fees, interest rates, late payment charges, and compounding interest to the cost of your original purchase. If you choose to do this, cut up all but one card and pay that one off each month. This will help you improve your credit rating and help you avoid taking student loans for other expenses.
You cannot bankrupt a payday loan. The truth is your going to have bad credit anyway, so just don't pay the loan. The loan companies won't bother taking you to court. Most courts would not side with them anyway. The judge would let you off with a lecturing on managing money better and if you can't pay them off, it just goes on your credit report. It will be off before your bankruptcy will.
Payday loans are often secured with a personal check. If you fail to make good on a personal check you could be found guilty of "check fraud", which would end up taking you to a different court altogether. Talk to your bankruptcy attorney on that subject, laws are different in each state.