i need help,ive been married for 3 1/2 years we have a 4 year old, my husband is a good father.but he cant hold a job, shes been out of work for 5 months and has not applied for a single job, he says hes waitng to go back to his job in spring (construction) where he works part timeish whenever he wants because hes friends with the owner, i kept pleading with him to find a real job,but he wont and it causes a big argument every time. ive known him for 6 years and hes never been able to hold a job (we met when i was 17), im scared because weve been forced to file bankruptcy and have no money for food and cant pay our bills, his mom brings food over. i dont want to lose my house and things keep getting worse i hold a good job buts it not enough, i cant live like this any more, what can i do he wont listen to me!

Technorati Tags: 5 months, 6 years, bankruptcy, good job, mom, money, waitng

Hi all,

My wife and I have been trying to have a child for over 3 years. While she has been pregnant twice, both experiences were quite traumatic for both of us. Her first pregnancy ended with a miscarriage at 5 months, and the second pregnancy was an ectopic pregnancy which landed her in the emergency room. We both really want a child, especially a child of our own, but I just don’t want to cause any more physical and emotional distress on my wife. We have decided to look at the alternative which is adoption. Primarily we’re only interested in the adoption of a new born. We began to do some research and the cost of an adoption seems staggering! We’re not interested in an international adoption either. I would like to get some feedback from other couples which have successfully adopted a new born. How much did it actually cost you (after the tax credit and any employer adoption benefits). Was it really around K!!

I can understand the attorney fees and medical costs for the birth mother, but k? It also seems that the adoption process is quite complicated (home study, back ground check, family history, etc), I do understand why those things are required, but I would assume those things should be required of ANY couple wanting to have a child, not just adoptive parents.

Anyway, I am really interested to see how much adopting a new born ended up costing you.

Thanks so much for your feedback! Our combined income is around 0K a year, we own two homes (fully paid), so we’re not poor, and though we really want a child, we don’t want to end up declaring bankruptcy to have one.

Thanks so much!

Jason & Mindy
@PIP – If you haven’t adopted or even intend to adopt, you’re not qualified to answer my question, nor am I interested in your opinion. Your "answer" had nothing to do with my question. In the future, I would recommend that you read an individual’s question carefully before answering.
@Toreejon – Much like the other person who "answered" my question. I am sorry that you had a bad experience as an adoptee, but no where in my question do I ask for an adoptee’s opinion. I have friends who are adopted and have no longing for their natural mother and father.
@Sunny – I did not ask for your opinion on adoption. I wanted answers from adoptive parents. The fact that we really want a child of our own, doesn’t take anything away from us completely loving an adopted child. This so called "bond" between child and natural parents is a myth. This bond is developed as the result of the relationship with the child’s parents (i.e. the parents who raised the child). There is absolutely no evidence that suggests there is a "natural" bond between a child and a natural parent if the child was not raised by those parents. As to your point of DNA, it is completely irrelevant. Unless you’re Einstein or Mozart, your DNA is nothing to write home about. I can’t believe you equate adopting a child with that of buying a car. You need some serious help. Adoption is a very unselfish act. We want to adopt not to make up for the "child we might have had" but to rather to share or love and blessings with a child in need. We don’t HAVE to adopt, we want to.

Technorati Tags: 3 years, 5 months, adoption benefits, adoptive parents, attorney fees, back ground check, birth mother, couples, declaring bankruptcy, ectopic pregnancy, emergency room, emotional distress, family history, home study, international adoption, medical costs, mindy, pip, second pregnancy, tax credit

Maria Cook mislead me for several months into thinking that she would be issuing me a refund for services that she and her fraudulent company Premiere Productions Inc. failed to deliver.

I have pinged her about it every week for the last 5 months and on every occasion she re-assured me that I would be getting a refund from her. That was obviously a big fat lie just like everything else that she told me to bait me into hiring her bogus company which is a front for a major ponzi scheme and SCAM of epic proportions.

Every single time I asked her about my refund she would make up some lame excuse, but I would give her the benefit of the doubt. Recently she told me that she discussed the refund with her attorney and that he would be contacting me. I was never contacted by her attorney and when I informed her of that fact she would make up some other random excuse. When I contacted her attorney directly, he told me that he has never heard of my name or even talked about any refund with Maria Cook.

Aside from Maria Cook, here are some of the other individuals that other clients have confirmed to be prominent participants in this elaborate SCAM and CON.

Maria Cook
Tara Ward
Dawn Pugilese
Angie Shelly aka Michelle Farrell
Bridgett Horton
James Blackley

Now Maria Cook is telling me that the company is in financial trouble and in the process of filing for bankruptcy so she cannot refund me any of the money I have given to her. Makes you wonder what Maria Cook did with the five figure sum of money that I had given her.

Don’t make the mistake of trusting Maria Cook like I did. All of the negative press about Premiere Productions Inc. is completely true and warranted.

Should I file a criminal complaint against Maria Cook. What can I do to get my money back and protect the public from serial scammers such as Maria Cook?
Here’s some of the dirt on Maria Cook and her SCAMS like Premiere Productions Inc

http://www.ripoffreport.com/Search/vertice-productions.aspx

http://www.ripoffreport.com/wedding-services/premiere-productions/premiere-productions-inc-mari-9942e.htm

http://www.ripoffreport.com/wedding-services/premiere-productions/premiere-productions-inc-mari-9f538.htm

http://www.ripoffreport.com/Wedding-Services/THE-PLANNING-HOUSE-L/the-planning-house-llc-the-le-6dc73.htm

http://www.ripoffreport.com/wedding-services/the-planning-house-t/the-planning-house-the-tosca-bc4m6.htm

Technorati Tags: 5 months, angie, benefit of the doubt, blackley, bogus company, bridgett, criminal complaint, epic proportions, figure sum, filing for bankruptcy, financial trouble, lame excuse, ponzi scheme, premiere productions, ripoffreport, scammers, scams, shelly, sum of money, tara ward

My husband and I bought a vacation home in FL…we had the unimaginable happen to us – while on vacation there was an accident and one of our children passed away. We immediately put the home up for sale and at the same time the market dropped. For two years, the house was on the market and was only worth half of what we owed. We exhausted every option (short sale, etc without luck) and we needed to move on from this financial and emotional burden. We filed bankruptcy just to move on. We have never fell behind on any other payments (our 1st home, cars, NOTHING). We filed for chapter 17 and have been paying our monthly payments for 5 months without fail and will continue to do so for another 2 1/2 as promised. We have found our dream house (would like to sell our current home and purchase that one) – I know a chapter 17 looks awful – are there any other finance options in order to be able to purchase this dream home of ours?

Technorati Tags: 5 months, bankruptcy, dream home, emotional burden, finance options, home cars, vacation home

I walked away from my home in Michigan ( prop val. fell from 140k to 65k) and bought another home outright….. the bank has not come after me yet and I have not made a payment in 5 months nor have they foreclosed…… I know the foreclosure is coming and probably a deficiency judgement but I plan to file bankruptcy if they do…… but my question is…… the mortgage was in my name only and I have all my money in cash in a safe and would like to open an online trading acct. and put some money in the market in her name……… would it be a wise thing to do? Even though we are married , can the bank come after anything she has in her name even though her name was not on the mortgage?

Technorati Tags: 5 months, acct, bankruptcy, deficiency judgement, foreclosure, money, mortgage

I filed a Chapter 7 bankruptcy that should have been completed in July or August at the very latest. My lawyer claimed to have not received my certificate of completion for the post bankruptcy course and let it go. My case was discharged before he told me anything was wrong. I’d called a few weeks before and was told everything was fine ad I’d receive confirmation soon. I was able to prove that he received the certificate and he paid the fee to reinstate my case. I planned when to file so that a year later I could co-sign on a home loan with my husband when he got back from Iraq. Now it’s just been filed and my 1 year mark will be 5 months later so my husband will come home from Iraq and we won’t be able to buy a house. This was hard enough and now he’s made it even worse. We’d have to come up with 15% down at least to get a loan. Can I sue my lawyer for his incompetence and this inconvenience. I’m not looking for free $, I’m just really frustrated and heart broken! Thanks 4 answering!
You don’t know my whole situation and you don’t have to be a jerk. I wasn’t scamming anyone, I stopped working when my daughter died and we couldn’t affort one income at the time. It’s better to pay on a house than to waste money renting so we weren’t planning a scam we were planning to recover from this nightmare!
I can prove he got the certificate because the company I took the course through has the email and fax conformation. I have already spoken to several lenders and they all say 1 year.

Technorati Tags: 5 months, affort, certificate of completion, chapter 7 bankruptcy, confirmation, conformation, email, home loan, incompetence, inconvenience, iraq, jerk, lawyer, lenders, money, nightmare, scamming

I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job.

I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out?

What would you do? I feel so lost right now.
My husband won’t agree on ANYTHING. I can’t tell him anything without it costing several hundred dollars to have the attorneys talk for us.

He doesn’t have to pay child support because he doens’t have a job .We live 5 states away and he wants the kids every other month! My babies are 5 months old and 23 months old and he told me before he left he could care less if they live or die. He’s only using them to hurt me.

Technorati Tags: 3 years, 5 months, attorneys, babies, bankruptcy, child support, credit card debt, divorce, dollar mark, good job, money, several thousand dollars, stay at home, stay at home mom

I make ,000/year and have ,000 in debt (credit cards, loans). According to the ch. 7 means test, I have 5/mo. of disposable income to pay to my creditors (my current payments are ,450/mo.). I’m not behind on any payments, but I have been struggling for months now to stay afloat and often have to rob Peter to pay Paul, using the credit cards that I have been trying to pay down to pay other bills or groceries. I’m hesitant to file a ch. 13 right now because I’m 5 months pregnant and my financial situation will change drastically in 4 months. I clearly pass the means test when I add in a dependent, showing a -0 of disposable income/mo. Before I found out I was pregnant (which was unplanned), I was planning to take on a second job and freelance assignments (I’m an Editor) to help me get ahead. But that’s not going to happen now, obviously. Should I file a ch.13 now and convert to a 7 after my baby is born, or should I just wait until my baby is born and file a 7?
Additionally, I’m not married, but I will have some financial support from the baby’s father. And please, no one answer with judgmental advice–I’m a responsible person who fell on some hard times a few years ago when I was working solely as a freelancer, was disabled for a couple of months due to an injury, and had a death in the family. This is a LAST resort, but after stressing and being depressed about this for months now, I have to do what I can to make sure I can provide for my child. I would rather work 2 full-time jobs (I have done this in the past) than file for bankruptcy, but this isn’t realistic when I’m going to be the primary caregiver for my child. Thank you.
Thanks for your response. I have had credit counseling and a phone consultation with an attorney who figured that I currently qualified for a 13, but he did not take into consideration me having an additional dependent in 4 months and having to then pay ,000/month for childcare soon after my child’s birth. From what I have read on the U.S. Trustee’s site, a person can convert from a 13 to a 7 if circumstances change that makes it impossible for them to stick with the agreed upon payment plan. My issue is it doesn’t seem to make sense to begin a 13 now, maybe get into one or two payments, then have to back out of it so soon because my financial situation changes. And then I would have to pay even more money to convert the filing. I hope this makes sense. Thanks.

Technorati Tags: 4 months, 5 months, caregiver, ch 7, childcare, credit counseling, creditors, death in the family, debt credit, disposable income, financial situation, freelance assignments, freelancer, groceries, last resort, means test, phone consultation, responsible person, second job, time jobs

It has been 6 months since I filed, 5 months since my creditor meeting. Got a notice from the court saying they didn’t have my second class, which my bankruptcy attorney had. I’m starting to get worried, as it’s slowing down on moving on with my life. What should I do and how can this effect me?

Technorati Tags: 5 months, bankruptcy attorney, creditor

I really am asking for a friend of mine. this is her 2nd divorce. 1 year ago, she filed for bankruptcy (dont know if it was 11 or 13). she separated from her husband and is rolling her house into it and changing it into chapter 7. she went to file for divorce this week and the attorney told her she cannot file for divorce until the chapter 7 has been discharged in 4-5 months… is this true and why? she cant thru to anyone to find out.
thanks.

Technorati Tags: 5 months, bankruptcy, chapter 7, divorce

I’ve made a big mess out of my life by making mistakes I could actually afford at the time. I had a great job making enough money that I could afford my own apartment and a brand new car. Life was great for about 2 years, all my payments were on time, and I had a little extra cash so I could go out with friends on the weekends. I met a guy and he moved in, and everything went straight down the tubes. My boss fired me and didn’t give me an explanation ("something needs to change and we think it’s you" whatever that means), and I found another job immediately but only making about half of what I was making when I got fired. This whole time, I was still paying all the bills for the apartment and car, even when I had a full time roommate because he didn’t contribute a dime for the first 5 months he lived with me. I used up all savings and started to borrow money from family and friends until they all cut me off ( reasonably stating that because I had someone else living there, they shouldn’t have to rescue me and I’m inclined to agree ). so at this point, I’m about 2 months behind on my credit cards and car payments, and my brain snapped and I told my bf that he had to start helping with the bills. at which point, he started "helping" with about 1/4 of the bills for the apartment ( i never expected him to help with the car or credit cards, but I do feel he should have had to help with 1/2 the bills for the apartment, especially since his kids were there on the weekends as well ). I quite stupidly started just flat out ignoring the harassing calls from creditors and collection agencies (hey, I couldn’t pay my bills just to live, sleep and eat much less give anything to the creditors, and they refused to work with me the first couple of times they called). I surrended my 2 year old car that I adored because the creditors told me they had reported it stolen (i don’t even know if they can do that, I was 2 months behind on payments). also adding to the misery, I had co-signed a loan for my brother to get a truck, which he also defaulted on and surrended. So to date, I have ,000 in debt and have no way of paying it back (at least not for the foreseeable future). I do have a job, making less than 0 a week with no possibilty of any overtime and / or supplemental income. last october, I was severely depressed and got behind the wheel of a car drunk, got arrested and charged with a dwi. so now, I have to pay rent, fines and surcharges, my car insurance went through the roof, and my phone bill. at the end of the month, I’m left with about , 0 if I’m really lucky. I talked to a credit counselor to try to get the debts under control, and she informed me that my ONLY option is bankruptcy. I’ve come to terms with the whole bankruptcy thing ( and believe me, I’m not thrilled about it ) but the biggest problem I’m facing now is trying to come up with the money to file for bankruptcy. The creditors are getting more aggressive, I’ve been sued at least twice, and they are threatening bench warrants and garnishing my wages. I can’t afford what I’m living on now! If they garnish my wages, I will not be able to pay for something (most likely fines and/or surcharges) and all of this is going to turn into an even bigger mess.

I’m at the point now where I understand all of my mistakes, realize that I have to pay for them. But I’m also at the point where I am extremely close to suicidal. I can’t eat, I can’t sleep and I can’t concentrate on anything. I’m ill at the situation I’ve created for myself, but I don’t know how to fix it. I don’t even know where to start. I quit drinking nearly 6 months ago after realizing what it had cost me. Is it too late? Am I doomed to be a mess my whole life? It seems like this situation never gets any better, it’s gradually just getting worse, to the point of just giving up completely.
This situation feels completely hopeless. No one has any advice for me. every one just says "that sucks". well, no kidding! I hate to sound so shallow, like money is the only thing that matters to me. I don’t just care about money ( in fact, I HATE IT ). The fact of the matter is that my whole life feels wasted, like I’ll never recover from any of this. I hate no longer being self sufficient, and feel like I will never be able to take care of myself again.

Is there anyone out there that has any advice for me at all? Steps I can take to improve the situation? Or possible jobs I could take on to try to make some extra cash so I can take care of all this with a less than stellar record? I just need some help and this is my last resort. I really don’t know what else to do.

And for anyone who has snarky remarks, IE: you’re on the internet ( so I must have $ right? no, I use my computer at WORK), you made your bed blah blah blah, please keep the comments to yourself. the purpose of my post is a last ditch attempt at trying to get some help, not lose any more of my self esteem, if there is any left.
Thanks

Technorati Tags: 5 months, apartment, bf, boss, brain, brand new car, car life, car payments, collection agencies, credit cards, creditors, enough money, extra cash, family and friends, full time, misery, roommate, sleep, tubes, whole time

I’m planning on filing chapter 7 bankruptcy in 5 months and I just used one of my credit cards last month(.00),so my question is,if I stop making payments from now til the time I file will there be a problem that I used the card and never made any payments on that card right after I used it?

Technorati Tags: 5 months, chapter 7 bankruptcy, credit cards, filing chapter 7, filing chapter 7 bankruptcy

We are in the middle of a chapter 7 bankruptcy n are 5 months behind on the house payments. The house place wants a relief from the stay or all of the money from where we are behind in. Can we go to a chapter 13 bankruptcy now in order to save the house n can we do it on only the mortgage company?

Technorati Tags: 5 months, chapter 13 bankruptcy, chapter 7 bankruptcy, money, mortgage company