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

3 years ago I filed bankruptcy. Since then I have not incurred any more debt. My credit score has risen to about 630. My problem is that included in the bankruptcy was a default on an apartment lease. My question is, when they check my credit will they see the details of my bankruptcy, or will they just be able to see that I filed? The broken lease was over 7 years ago. I want to move out, but am afraid my past mistakes will prevent it.

Technorati Tags: 3 years, apartment, bankruptcy, credit score

I’m 23 years-old and my mother began taking out credit cards in my name when I turned 18. My credit is now horrible. I’ve contacted all three bureaus, the police, etc. The bureaus and companies I’ve contacted have told me that I’m still responsible. The police have done nothing. Now I’m apartment searching…except I’m getting denied everywhere because my credit is so horrible. I contacted a lawyer to clear this up, but it’s ,000 down. As a 23 year-old student, I don’t have that money. I’m wondering if I should/could just file for bankruptcy and be done with this. This sucks.
*I had no knowledge of her doing this
*I’m not trying to protect her
*I’ve written letters to all credit bureaus, they’ve done nothing and are holding me responsible
*The cops are fully aware, I even have a police report, and they literally have done nothing
*I’d prefer they throw her in jail, because it’s where she belongs

Technorati Tags: 23 years, apartment, bankruptcy, cops, credit bureaus, credit cards, lawyer, money, police report

I have been pushed around and made fun of my entire life, I had no friends growing up, I was beat up constantly, and my parents were both drunks, so I got beaten at home too. My mother used to put out cigarettes on my head. It got that the school beatings were less then the home beatings so I did not want to go home. The kids in school got together and made an award for me as the most unpopular kid in school when I was in 6th grade. I graduated high school, and my luck never got better,during high school my parents got divorced and blamed the entire thing on me and said I was an accident, and they wish they had never had me. They both put on their item list that neither one of them wanted custody of me.Then I flunked out of college, couldn’t hold a decent job, I still had no friends. and that went on until I was 23 when I met my now wife, and for the first time in my life I was happy, she liked me for me, and she was good to me. A year and a half ago we got married, and she totally changed. She became very abusive and calls me an effen retard, and stupid a@@ all the time, and she hits me with things and smacks me calling me retarded. I had thought about divorce and then we found out that she was pregnant, and the first words out of her mouth were I hope that our kid is not a retard like you, so now I can’t divorce her. We also recently had to file bankruptcy, and I lost my car and my job, and up until recently have been unemployed for the last six months, and we got evicted from our apartment, and had to move back in with my dad. Let me tell you I am 26, and I still feel like a child, I get picked on from both of them, and my mother when I see her, I have no car to get away and no friends to hang out with, I am seriously considering suicide, but I don’t want to leave another child without a father, and I always swore I would try to be a better parent than mine were to me, but I wonder if I can be. I an not happy in my marriage and I would never cheat on my wife, but she doesen’t believe in sexual relations anymore, just to add fuel to the fire. I mean all my life I have never had someone that I could go hang out with who thought I was cool, and when someone tried to talk to me I tried so hard to get them to like me, that they all run away. I cry daily now, and just want to give up, I have no hobbies, I would like to learn how to ride a horse, and at 260lbs, everyplace I tried laughed at me and said I was too fat, I can’t fit in anywhere, and I am typing this as a last resort to see if anyone actually cares, but I don’t feel that I will get any responses

Technorati Tags: apartment, bankruptcy, beatings, child without a father, cigarettes, dad, decent job, divorce, drunks, effen, marriage, parents, six months, suicide, time in my life

I would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it actually stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?
it’s medical billings idiot i never borrowed money. It’s people like you that didn’t want obama to pass the free health care bill!

Technorati Tags: 10 years, apartment, banks, chapter 7 bankruptcy, checking account, credit report, credit unions, experience chapter, free health care, health care bill, medical billings, money

I would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it acutally stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?

Technorati Tags: 10 years, apartment, banks, chapter 7 bankruptcy, checking account, credit report, credit unions, experience chapter

I have a Student Loan that is effecting my credit which is now Cal Aid my girlfriend says I should file for bankruptcy. What will happen if I do that? and who do I go to to get it done? Will it effect my good credit I do have or get? will effect my bank accounts I have? I do not have a house so i am not worry about mortgage. I can stay on my mother property until 7 yrs is up get a house,right? I just want to have my own apartment for now until I get my section 8 or when I get it, and I am waiting on my attorney to tell me my court date b/c I file for disablement so when I win my case I can afford to have my own apt or house.

Technorati Tags: apartment, bank accounts, bankruptcy, girlfriend, mortgage, section 8, student loan

So I have about k or so in debt, most of it is CC.

Im broke, have a wife and two kids… in this economy /hour is the best I can do for a job…

Realistically there is no way that I can pay these people off.

Im afraid that if I file, I may be forced to sell my boat.

We all live on a sailboat, its worth -k probably. I own it with no payments.
I live on it because its cheap (0/mo)
If I am forced to sell it, I will have to move into an apartment, which will cost me about 0/mo. and when you take home 00/mo….. thats not really an option.

We also have two cars, neither is worth more than 00.

Thats all I have, a 40yr old boat, and a couple of 20 year old cars. If I file bankruptcy, will I be able to keep my home (boat) and my cars?

also, if it matters, I live in Oregon.

Technorati Tags: apartment, bankruptcy, economy, home boat, job, old boat, old cars, sailboat, two cars

Ok,I’m 25 and I just got a 04 Pontiac Grand Prix with 112,109 miles on it,for ,000 but got slammed with a 21% interest rate. I tried before hand to get a lender/bank/credit union going in but No one would fiance me because I have 540 credit score. I had to take the deal because the truck I had was a gas hog and was falling apart and I need a way to get to work, so I sold that to get the down payment for the Pontiac.Here the issue,I have had it for 3 months and I have no problem paying the car note(1-a month) but when the economy shot 2 year ago and my job gave pick slips to me and hundred of people,unfortunately I had lost my home and voluntary returned a 02 Monte Carlo to the bank.As you may know now I have a for-closer and an repossession on my credit which is the reason for the low score. I currently have had a job now for the past two years so I making it even tho it get ruff at times with other things like college and apartment bills. I cant find any lender on the net to refinance a car with that many miles and it doest help that my credit score is so low. I was told that since I’m still young I should file bankruptcy to clear my dept and start over now. The only issue I have is I want to keep the car I just got but is there a way in the bankruptcy that I can keep the car and get the lender/bank to lower the interest rate so I can keep it?Or do I have to give it back or keep it out of the filing altogether? I’m a perfect example of bad thing happening to good people because I held a job all life and payed bills on time but you know what the say "sh** happens" Please provide me with some good meaningful advice .on what the best possible decision Thanks!!!

Technorati Tags: apartment, bankruptcy, credit score, economy, fiance, gas hog, interest rate, job, meaningful advice, monte carlo, payed, pontiac, pontiac grand prix, repossession, slips, tho

Are judgements discharged in chapter 7 bankruptcy. Example if you were evicted from an apartment or house. Also if you own your vehicle will they take that or do you get to keep it? And how long does it take for your credit score to improve and for you to be able to apply for credit again?

Technorati Tags: apartment, chapter 7 bankruptcy, credit score, judgements

A relative is filing bankruptcy and is letting the house go to foreclosure in Indiana. He is moving to an apartment. Is he required to leave on any utilities in the house until its sold at sheriff’s sale? It’d be nice if he didn’t have to pay even the basic minimum utilities if he doesn’t have to. Thanks!

Technorati Tags: apartment, filing bankruptcy, foreclosure

I have had two financial advisers tell me to declare bankruptcy when I graduate from college, or sooner to eliminate my credit card and school loan debt, and one telling me that I should probably get more financial aid (all from different firms)…. The interest rates on private loans for schools are ridiculous (I am going through Sallie Mae), and I am already freaking out about how much I am going to have to pay back…

I don’t really have any family, and I am currently in my Junior year in college. I have been working full time, and paying my school on my credit cards, apartment etc etc.. (I have 3 with a total of 00 credit line, and they are usually maxed out when new semesters start). I get a little bit of money from the federal government (FAFSA) for school, but it obviously is not enough… I also have a bit of private loans from my grand mother who is co-signing for them.

So should I declare? When if I should?

I am not trying to skeeze my way out of it, and I am fine with paying it all back with the career I get when I graduate, but I am really scared about the whole thing (private loans), and I would like to know if there is an ALTERNATIVE route without having to sell my first born child. The gov. and my full time job do not provide enough income for school and such, and I can only work so much taking an average of 18 credit hours a semester.

If I declare bankruptcy, will it affect my grandmother since she is co-signing?

Please help me out. I am open to all constructive help and legitimate ideas that don’t involve anything illegal.

Technorati Tags: apartment, bankruptcy, credit card, credit cards, fafsa, federal government, financial advisers, financial aid, full time job, grand mother, grandmother, interest rates, little bit, money, private loans, sallie mae, school loan, semesters

We are two payments behind on our house. We had to rent an apartment because my husband will be unemployed soon.We had put the house for sale last year, no offers. We tried to refinance but our house was appraised 22,000 less than what the finance company appraised it for 2.5 years ago. The finance company would not lower our rate, to what we could afford. We had to move before unemployment happens. I now cannot afford my car which is financed through same company. What will happen when they foreclose? We live paycheck to paycheck. Have no assets. Can we file bankruptcy?

Technorati Tags: apartment, assets, bankruptcy, finance company, house for sale, paycheck to paycheck, unemployment

Someone from Westcott Properties came to my apartment to tell me that I should stop paying rent because the building is in foreclosure.
Is there a way for me to confirm this?

http://www.westcottproperties.com/about.php

I think the owner filed chapter 11 bankruptcy.

Technorati Tags: apartment, chapter 11 bankruptcy, foreclosure, westcott properties

I’m a single male veteran with no children. I want to purchase a home and was prequalified for 110k using my VA Home Loan. My girlfriend has a very high debt to income ratio and will likely file bankruptcy due to high credit card debt. I can’t buy anything with her in that shape. I don’t have a down payment, I do have the VA benefits. Home prices are more expensive than ever. How do I purchase a home on my own? In Phoenix, AZ the housing market seems out of reach and all that is left are small "apartment condos."

Technorati Tags: apartment, bankruptcy, condos, credit card debt, debt to income ratio, girlfriend, home loan, housing market, phoenix az, shape, veteran

Me and my husband are wanting to file bankruptcy. He is in the military and we have a lot of "allotments" (where money comes out of his paycheck automatically before we see it to creditors) How long will it take after we file bankruptcy until we are no longer obligated to make payments to these creditors or when can we stop the allotments? Does it happen as soon as you file or what?
Also, Does filing bankruptcy effect you being able to rent a house/apartment?
Thanks!

Technorati Tags: allotments, apartment, creditors, filing bankruptcy, money, paycheck

Hey everybody,

I’ll be 23 in a few months. I’ve already been married & we bought a house [but due to a pipe busting in the winter & causing a ton of mold & then five trees falling on the house in a wind storm that the insurance company did not want to fix], the home ended up going into foreclosure. The loan was not in my name, however my name was on the deed. I’m not married anymore & the last time I checked my credit, the house did not show up but, I think that was before it was actually foreclosed on.

He & I have two credit cards [probably 00 of debt total] that I have to pay half off of [so, about 00 right there.]
Then I have a Kohls & Macys card [about 0 total].
Then I have three other items that are not credit cards that come to about ,050.

Total, I have just a little under ,000 worth of debt which I know doesn’t seem like much but, after I deduct all my bills, I don’t have much money left. Things keep popping up left & right like medical expenses & tires for the car, etc & whenever I think I’m starting to get ahead, I end up even further in debt. I already have two jobs, I already save as much money as I can. Every bit of debt that I have has already gone to collection agencies so I can’t go online & pay on anything.

I’m just wondering if [since my credit is already horrible] I should just file for bankruptcy. If I did, would the foreclosure still show up [assuming that has affected my credit]? Would it be easier to rebuild my credit after bankruptcy or repair it by paying everything off? If bankruptcy is my best option, how long will it affect me? Will I be able to rent an apartment? What if a few years from now, I want to buy a house or condo? If bankruptcy is not my best option, is there any programs that aren’t scams that I could use to consolidate or something? Not sure if this makes a difference but, I do have a 2007 car that I bought brand new. I have three years left of payments & I’m current on it. I’m thinking about trading it in for a vehicle with AWD.

Serious answers only please. I’m trying to figure out what steps that will help me further myself faster. Thanks in advance.

Technorati Tags: amp, apartment, collection agencies, credit after bankruptcy, credit cards, foreclosure, insurance, insurance company, jobs, kohls, last time, medical expenses, mold, scams, tires, trees, wind storm

I am beginning to regret going to college, it seems the only thing I have attained from it, is debt. When I went to school I was allured to the dream of being an airline pilot. I finally got my pilot’s license, but it got to expensive, so I switched to Aviation Management. I am so depressed and mad at myself for letting this happen, and it seems like there is no way out. A few times I forgot to fill out the FAFSA so I had to take out loans to cover the expenses, or I was late getting it in and got no money.

Here’s where I am at:
1 Loan for ,000 (Monthly Payments of 476/mo); 1 Loan for 620 (Monthly Payments of 128); 1 Loan for 00 (Monthly Payments of 50), and Credit Card Debt of about 00. So I have loans totaling 420.

I also have a car payment, cell phone, however I pay no rent, but my grandparents will soon be asking for that.

I just got a new job that pays me 000 per year. So if I don’t put anything into savings I can pay off my loans in about 4 years, however when you begin to figure in my other expenses it’s more like 7 years.

Consolidation is not really an option, because the 000 is an “Education Alternative Loan”, it’s not a federal loan. The 00 loan is a no interest loan. And the 620 is a direct federal loan.

-My dilemma is that, I have a girlfriend that I want to begin a life with. I wish to get an apartment with her maybe in the next year or so. And I want to marry her.

Situation 1- Do I put no money into savings and just tackle the loans head on? I will have no money for retirement or a down payment on a house.

Situation 2- I put some money aside into savings, and it will take longer to pay off?

Situation 3- Declare bankruptcy if I can?

I apologize for this taking so long, but I don’t know what to do. Thank you for your help.

Technorati Tags: airline pilot, apartment, aviation management, bankruptcy, car payment, cell phone, consolidation, credit card debt, dilemma, education, fafsa, federal loan, girlfriend, going to college, grandparents, interest loan, loans, money, new job, retirement

I plan to move out of my mom’s house and have my own apartment or live with a roommate by next year. The problem is that I filed bankruptcy last year and afraid that I will be denied by most places when it comes to renting an apt. I also would like to get my master’s degree before moving out so I can be more established. What should I do? Thanks.

Technorati Tags: apartment, bankruptcy, mom, roommate

A few months back I tried to get a store credit card. They declined because of bankruptcy. I have never filed bankruptcy. After that, I needed a place to live, so I tried get get several apartments…..All of them declined me because of this bankruptcy. I looked up my credit online, and could not find anything about bankruptcy. I paid off the (2) small bills that were on my credit, and managed to get an apartment by showing them my parents bankruptcy papers. They said it happens all the time!!

I cant figure out how to get it off my credit, or even see it on my credit. I think I used FreeCreditReport.com…

(Me and my father both have the same 1st name)

Please help.

Technorati Tags: apartment, apartments, bankruptcy papers, parents, store credit card