Okay, I met a 43 year old divorced father of two and we’ve been sort of seeing each other for the past 3 months. He says he has really fallen for me, so much in fact that he has told me he loves me. The thing is, he moved back in with his parents because of the divorce, but that was over a year ago. He used to have his own business, but the business went bankrupt and he has not worked in awhile (definitely not since I’ve met him). I just am starting to wonder if he even has any motivation to do anything other than trying to hang out with me and talk to me! We hardly see each other because of the living situation and when we do hang out all he talks about is how he misses me, how he likes (and now loves) me so much, etc… I just don’t know if I can be with a man who doesn’t work, lives with his parents and isn’t doing anything about it! He says he’s getting his own place in a couple of weeks, but I am struggling to believe this is true considering he still isn’t working and doesn’t have any savings! I think he is a genuinely good person, but I don’t know if that’s enough. My question is this…is there hope for him? Should I stick it out and see if things change? To me it just seems bad because he has been living this way for so long, it’s like he wants to move, but financially can’t get his stuff together! For being 43, I just expect more I suppose….is this wrong of me? Or, should I hit the road and end this now?? Please, any advice will do!!

My details:
***I am 34 years old (no kids, if that matters) and do have a full time job as well as go to school.
I completely understand Steven’s point and I do give the guy credit for the ambition to try and do something on his own, but in all reality his own business was just himself and a couple of guys he could call on to come help on bigger projects. I’m not trying to downplay it, that’s just the reality. I still admire the ambition, I completely understand the horrible economic situation that’s been going on and I know it is really tough on American’s, whether you have a job or not….I don’t want to come off as not being totally sympathetic to that.

Technorati Tags: ambition, divorce, economic situation, full time job, good person, motivation, own business, parents

I don’t really know what does happen.

My friend is under water on her house in Las Vegas, can’t rent or sell it & has decided to file bankruptcy. So what happens to her house now?

I’m a property manager but not a sales agent so I don’t really know about this kind of thing.
She already tried to short sell- bank would not agree.

Yes she has other debt.
OH – OK. So she can give the bank possession of the house during the bankruptcy then it turns into a foreclosure. Did I understand that right?

Technorati Tags: amp, bankruptcy, foreclosure, las vegas, possession, property manager, sales agent

According to statistics on the www.uscourts.gov website, bankruptcy filings have increased substantially since 2009. Yet, when I look for bankruptcy attorney jobs online, they are virtually non-existent. Why is this?

Technorati Tags: bankruptcy attorney, bankruptcy filings, jobs, statistics

Can you file bankruptcy on Attorney Fees?
If you are going through a divorce and have temporary orders that you have adhered to (you owe your spouse no monies and you owe no child support-all paid in full and current) can you file bankruptcy on Attorney Fees? The amount is 00 to spouse attorney and 00 to an independent attorney assigned by the judge. I am in Texas.

Technorati Tags: attorney fees, bankruptcy, child support, divorce, independent attorney, monies

statute of limitations credit card debt limit?
(and he knows it…. like if I find out I don’t need him in a few months, he would lose out on the fees I’d have to pay him to file bankruptcy?)
The information is online, everywhere — just do a search for it!

http://education.cardhub.com/statute-of-limitations-for-credit-card-debt/

Technorati Tags: bankruptcy, credit card debt, debt limit, education, statute of limitations

How much do tax payers have to give to bad GM managers and greedy UAW officials and workers? Average wage and benefit cost to a UAW worker is dollars an hour.

Technorati Tags: average wage, benefit, gm, tax payers, uaw officials

Pragmatically, indentured servitude would be a great way to repay debts without declaring bankruptcy, and maybe while still being able to keep your possessions. It could also serve as an alternative currency in some situations. Of course, this would be fixed term – the period of that servitude would correspond with the debt and such.

But of course there is the morality of personal freedom, and the question of whether that always transcends debt and whether it would be right to use such a thing as a currency or tool.

This was a subject in my Ethics class today, so I just want to see what other people (maybe not college liberal arts majors) think.

Technorati Tags: currency, debts, declaring bankruptcy, ethics, indentured servitude, liberal arts majors, morality, personal freedom, possessions

My 1994 Plymouth Sundance just got back from the shop from installing a new steering wheel rack, which basically got me all bankrupt. Now since the shop doesn’t do alignment I’m forced to go to the closest shop which does which is Midas. But they don’t put the fee in the website which I can’t find. Anyone know how much they charge for the front end alignment job? Thanks!

Technorati Tags: front end alignment, job, midas, plymouth sundance, steering wheel, wheel, wheel rack

Is selling and then leasing back my home that has no mortgage owed a good idea when filing for bankruptcy? I would be financing the home. And then renting it in order to keep my place of residence. Can they take your furniture and everything in the home to pay back the creditors?

Technorati Tags: creditors, filing for bankruptcy, furniture, mortgage

Rec’d a discharge last year and I just got a letter from a towing company in an old repossession who is trying to collect on a charge. I did not know the charge existed and therefore did not include them in the bankruptcy. Do I have to pay them? I called the attorney who said our relationship ended with the discharge and he would have to charge for more assistance! Gee, thanks.

Any help is appreciated.

Technorati Tags: bankruptcy, relationship, repossession, towing company

If you know you will run out of money in the next few months, should you see an attorney now or wait until you start actually missing payments?
@Huntsman, unfortunately it’s not just a matter of credit card debt, and other options, like a DMP, have been explored and disqualified.
@Wolf – I just checked my library and there’s no books on the subject "asset protection", altho I know they have books on debt etc. Any other suggestions?
Wait, I tried another library and found "Asset Protection for Everyone" (also "Trump University asset protection 101 : tax and legal strategies of the rich" but that’s obviously not for me).

Technorati Tags: asset protection, credit card debt, dmp, huntsman, legal strategies, money, trump university, university asset, wolf

cost of their mistakes? Do Conservatives gamble with other peoples money and take huge risks then force others to clean up after them when they screw up?
Trump is a Classic Mistake and should never be allowed anywhere near a position of Power.
Should the POTUS be the winner of a High School Popularity contest? Or should voters actually Think about who they are voting for?
Do we need ANOTHER "W" or another Obama?

Technorati Tags: conservatives, high school popularity, mistake, money, obama, popularity contest, quot, screw, trump

My dad owe ,000 to credit cards, lines of credit etc..

It all started when we bought a house. My dad was the only one working. After two months purchasing the house, my dad lost his job. So, hoping the he’ll find another job, my dad kept on paying the mortgage, property tax etc from his credit cards.

He did not find any job. My mom found a job but not a good paying job.

After 3 years, we couldn’t afford it and sold the house.

Right now, we live in an apartment. My dad is diabetic and has other medical problems and can’t find any job. Also, his language difficulty is preventing him from finding a job.

My mom works and its enough just for rent and food for our family.

My dad keeps getting phone calls from credit companies and stuff asking him to pay. My mom gives him 50 or 100 bucks per month to pay his credit cards but she can’t do this every month because she only earn that extra if she works extra hours. She has arthritis and her doctor told she shouldn’t work much.
My parents’ first language is not English, hence my dad has difficulties with English.

Technorati Tags: 3 years, apartment, arthritis, credit cards, dad, finding a job, first language, good paying job, language difficulty, medical problems, mom works, mortgage, parents, phone calls, property tax

I read… a lot, but I’m not much of a teen romance junkie. Too Sappy for my style. ’specially ones in girls’ POV. And I was delveloping on an earlier idea, which I tweaked a bit, yet I began the plot was weak, and didn’t flow well, and most the scenes had and awkward sense and just sounded very immature.

Yet 4 of the characters I created were just so well-rounded, and I had drawn close to them. I couldn’t risk wasting them on a crappy, over dramatic story.

So after reading ‘A Seperate Peace’ (good book, I recommend it), I overlooked my own story, and one of the character’s plot(perhaps, one of the stories greatest salvations). I think the novel just may be better if I had worked the novel around that character’s POV.

So. A bit of a downlow on the chracters.

Austin (looking for potential new name) ~ Handsome, moviestar tan, dapper, lively and brisk, though he doesn’t realize it very much, kind of arrogant. Mom died when he was eight years old, father owns a multi-million dollar buisness that makes like… everything. Captain of Lacrosee team.

Liz~ childhood friend, ex-girlfriend (though many ties of their romance gone sour is almost completely forgotten), close friend, and fellow highschooler to Austin. Copes with learning disabilties, (ADD and Dyslexia). Struggles to keep a 3.0 GPA. Excels in the arts (painting, singing, acting)

Emma~ shy, withdrawn, obessed w/books, and a bit of a germaphob. Twin sister of Sitiles (see below). Amazing Painter, better than Liz. Series of events through out book make her grow as an indivual.

Sitiles (looking for potental new name)~ Red head, feels intimidated by almost everything Sitiles does, on the outside seems like a care-free prankster, very loyal to friends and family, feels underappricated to his parents next to his sister. Learns to apreicate others later on, and have more recognition for human feeling.

Summary:

Austin lives the good life, until his father company goes bankrupt, and his Father commits sucide. His views on life change, and his learns how [insert a nice adjective here] can really be. He might fall in love along the way.

Basically, He falls in love with Emma, who visits him in the hospital after his father dies (I haven’t figured out how he lands himself in there yet), gets him read books.

Then sitiles has that brief. "HOLY SHIT!THAT’S MY SISTER MOMENT!" Though I fear he might be falling to the Ron Weasley side of the spectrum. Giving the fact I already gave him red hair, and that ron-ish biased ness.

Yet I can;t just change his character. I wouldn’t feel right… so yeah…

Opinions? Suggestions? Ideas for first scene and names?

Technorati Tags: buisness, childhood friend, crappy, downlow, dramatic story, emma, ex girlfriend, fellow, friends and family, gpa, indivual, mom, moviestar, novel, painting, pov, prankster, seperate peace, teen romance, twin sister

My girlfriend and her husband are considering on filing Bankruptcy, but wanted to know exactly how it appears on their credit report? He already has a Foreclosure, Repossesion and countless of other delinquencies.Anyway, when he files for Chapter 7 will all those deliquent accounts be removed and the only thing appears on the report would be BANKRUPTCY or will it still reflect those creditors in addition to Bankruptcy? I think it would but that’s just my guess anyway if anyone here has filed and saw how it’s reflecting on their report, please reply.

Technorati Tags: chapter 7, creditors, delinquencies, deliquent accounts, filing bankruptcy, foreclosure, girlfriend, guess, reply, repossesion

I filed in March 2007 and expect my actual discharge letter in the mail any day now-wait, is that the mailman? My bankruptcy already shows up on my credit report and my credit score isn’t so terrible! Specifically, I want to know if its o.k. to start applying for ONE SINGLE credit card and a car loan. That’s it. I’m rebuilding my credit on those two things. Period. Thanks.

Technorati Tags: bankruptcy, car loan, credit card, credit report, credit score, letter in the mail, mailman

When I owned a business in NY a large judgment was served against me forcing me to file bankruptcy both with the business and personally. The judgment was included in the bankruptcy, assets were distributed and the bankruptcy was closed along with the business. I still show this judgment on my home and credit report 7 years later making it impossible to refinance or sell. Is it too late to get this taken off?

Technorati Tags: bankruptcy assets, credit report, judgment