My husband and I want to start the process of buying a house but we’re afraid that his bad credit will ruin our chances. We recently got married within the year and I have a credit score of 672 and his is probably really bad. He had a lot of debt (about ,000+) from when he was 18 and stupid but now he’s 30. He never paid back a single dime and they just stopped calling. So, I’m guessing the creditors wrote it off after so long but I do know that it’s still an unpaid debt on his credit report. And I know that’s horrible. I’m a stay at home mom right now so I have no income, we live solely on his income, which is a pretty decent amount. I guess I have a couple questions. Should he file bankruptcy? If not, what would you suggest? And, would anybody give us a mortgage with his bad credit? Would they include my credit in the mortgage? Would it help?

Technorati Tags: bad credit, bankruptcy, buying a house, couple questions, credit report, credit score, creditors, mortgage, process of buying a house, stay at home, stay at home mom, unpaid debt

I am engaged, AND on the brink of bankruptcy – I will be filing BK within a month… I need to know IF – and/or – HOW to keep MY bad credit (the BK), away from his credit – I do NOT want to affect his credit with my BK – is there a way to do this?
I was told that, if I keep my maiden name, my credit will not affect his – is this true?

Technorati Tags: bad credit, bankruptcy, bk, brink, maiden name

a few months ago i was jobless and homeless and ended up in the hospital in a state that i was not a resident of and the hospital sent me to like a psych ward/rehab place and that place wouldnt release me because they had nowhere to release me to until they got a hold of my parents and my parents came and got me and i got two bills from the hospital and one bill from the other place and i have a job but i dont get many hours and there really arent many options for jobs where i live i made payment arrangements with the hospital for two bills and i can just barely make the payments each month and the other place didnt send a bill until just recently and its over ,000 and they wont give me a payment arrangement that works for me they want almost ,300 a month for 4 months which i cant do i make less then 0 a month right now since that payment arrangement doesnt work they want me to get a loan from a bank but i dont have a credit history and no one would cosign and i dont make enough money to afford another bill each month my mom says that i should just file for bankruptcy my parents dont have the money to loan me and refuse to cosign anything for me or really help me in any way i dont want to have to file for bankruptcy because i dont want bad credit to start my credit history and i was hoping to go to college in the next few years (which would require loans) im only 19 and i have a daughter whos 10 months (she lives with her dad – she was not with me when i was homeless and all of that) and i want to be able to set the best example for her as i can and ive already messed up so is bankruptcy the best option or does any one have any ideas on what i should do?

Technorati Tags: 10 months, 4 months, bad credit, bankruptcy, credit history, dad, enough money, job, jobs, loans, mom, parents, payment arrangement, payment arrangements, psych ward

I am 20 years old I live in a house with my boyfriend it is in his name but I paid for this house also, I was just wondering if anyone had ways to get a credit card? I went to my bank and asked and they want me to put my own money on a card for like almost 2 years and keep paying it back. I do not have that much money to pay on the card and then pay back constantly. I work in fast food but I do keep my bills paid, was just wondering if theres any good cards out there to apply for like a 300$ credit limit I want to start building my credit. Also My dad filed bankruptcy a year ago and he is starting to re build his credit can he cosign for me still? its so difficult doing it by yourself because my mother has bad credit so I cant have her cosign anything so I’m kind of stuck. And yes I’ve applied and kohls, fingerhut all these small places and got denied. Please any advice would be great! It would help out alot! I dont want a credit card to be immature, I want it for emergencies such as my car breaking down or for gas or bills.

Technorati Tags: bad credit, bankruptcy, cards, credit card, dad, emergencies, fast food, fingerhut, kohls, much money

we have lived in our home for 30 years but do to medical problems, a death in the family, and the recent economy we finally had to give up and file bankruptcy. we need to rent a home and don’t know how to go about it with bad credit my husband has been at his job for more than 25 yrs. we need help any suggestions

Technorati Tags: bad credit, bankruptcy, death in the family, economy, job, medical problems

So I have bad credit my credit score is 458, I experienced with credit cards right when I turned 18 no one told me what kind of damage they could do I am paying the consequences now. I am 25 going on 26 and I am considering bankruptcy. I have sat down and reviewed my debts and I am thinking that I can probably pay some but they are old from when I was 18. The last think that hurt my credit the most was a car that I purchased and had to let go it was repossessed, and I am now being sued. I have been stressing out so much about all this I will outline what I owe below and I would like advise about what I should do file or try to pay things little by little. I live pay check to pay check am a single mother and only make 10.00 and I only work 30 hours to 35 a week because I have doc appoints for my son or he gets sick or I have to miss work because there was no school and I can not afford a sitter. So please give me some advise I am young but I have already ruined everything I know that
bankruptcy will stay on my credit for 10 years but honestly I don’t think anything else matters . This is what I owe
Credit card 2000 capital one
Credit card 1000 verizon
credit card 500 exxon
credit card 800 walmart
apt 2000
apt 2000
repo 5000
medical 5000
These are all rounded numbers and I don’t know if I can really afford to pay this I have to go to court concerning the car in may please help need advise
These are all cards that have been closed and are on my credit everything is on my credit. I don’t have a hs diploma or ged so it’s hard to find a better paying job. I have tried looking for a second job but no one can work with my hours I work 9-6 every day. My current bills are
rent 640
light 150
food 200 month
gas 40 week
and thats not including emergencies such as doctors co pays meds, and personal necesities
I do have family but they always back out on me I have learned that I have to do everything on my own and I can not count on anyone but myself. I have not tried debt consolidation because I thought that your debts had to be current and mine are not but I keep getting collection letter and calls I keep changing my number and it’s getting old because I dont know how these companies get my new number I don’t even have a regular cell it’s pre paid, and where I live now my mom got me the apt i’m just tired of all this

Technorati Tags: 10 years, bad credit, bankruptcy, capital one, capital one credit card, consequences, credit cards, credit score, debt consolidation, debts, doctors co, emergencies, exxon, exxon credit card, hs diploma, necesities, second job, single mother, verizon credit, walmart

ok. this all started when me and my boyfriend bought a new home (in his name by the way, i barely own anything). i needed credit cards for some shopping.. towels, silverware.. that sorta thing. i recently couldn’t afford my credit cards because social security was deducting money from my monthly check. credit card charges went sky rocket. now i have unpaid credit cards and will need to go bankrupt. my question is, now that i have my money straight, but cannot afford to pay on the past credit cards due to all the charges, will i get in trouble for getting another credit card if i wait and file bankruptcy in a couple of months. i just want a credit card to do Christmas shopping with and i plan on paying this one. also, if i pay on this new credit card(s) will i need to let my lawyer know about them. if you know of a credit card that will accept me with bad credit please let me know. also give me some advice on what i should do and if getting a new credit card is a bad idea. thanks for all your help.

Technorati Tags: bad credit, bad idea, bankruptcy, check credit card, christmas, christmas shopping, credit card charges, lawyer, money, sky rocket, social security, towels, unpaid credit cards

I have been forclosed and the defecit to the lender is to high I have no job after a divorce everything went to ground. I am planning to remarry , however I do not want my current bad credit to affect my fiance. would my old financial issues affect her immidiately after marriage? how to prevent that?
would that be better to file bankrupcy before we get married. what are the provision of the law ?

Technorati Tags: bad credit, defecit, divorce, fiance, immidiately, job, marriage, provision

i want to marry this guy, i love him and im expecting my first child. but he has bad credit and mine is fair…how will it affect me if he files for bankruptcy does this affect my credit when i marry him?

Technorati Tags: bad credit, bankruptcy, first child

It’s really bad, and it’s not from me being irresponsible. But I was diagnosed with a heart condition when I was 20, and didn’t have health insurance. I was hospitalized a lot, and raked up some health bills. And yea, I will admit….after my credit was already tarnished and I knew I would have to file bankruptcy, I started to not care anymore. I have about 30 thousand dollars in bad credit…and I dont know where to start. Is bankruptcy the only option I have? My husband is army and I am a stay at home mom…although I will start working again once he deploys. Anybody have any advice for me…or any numbers I can call?

Technorati Tags: army, bad credit, bankruptcy, health bills, health insurance, heart condition, insurance, stay at home, stay at home mom, thousand dollars

I’m 20 years old and about to go through a divorce. I have a CC in only my name that my husband has run up to ,000 in debt. I also have ,000 in student loans. I am co-signed on his ,000 + car loan and I am the primary on my ,000 auto loan. If I file how will it affect our cars. I can afford to pay my monthly payment although it is steep. BTW it wasn’t my idea to get expensive cars! Also my wedding ring went missing a couple monthes ago when I took it off to do dishes. Can he legally get me to pay him back for the ring?
My car is only worth 000. The other 000 on top of it is negative equity from previous vehicles my husband kept on trading in for "better" cars. I can afford to pay for my car. I am co-signed on my husbands car b/c if I didn’t I would have been the only name on his other car. He has bad credit too. I had great credit BTW before I met him. He’s been through so many cars I’ve lost count.

Technorati Tags: auto loan, bad credit, btw, car loan, dishes, divorce, expensive cars, many cars, negative equity, student loans, wedding ring

I can’t get a new bank, I can’t get a good phone carrier, and I don’t know if colleges take credit into account when giving me financial aid. What should I do?
It’s not for a credit card. I just have bad credit
Well, Jerk, I am in debt. I’m in debt to 2 different banks. I’m in debt to T-Mobile. I’m in debt to my landlord. That’s all.

Technorati Tags: bad credit, banks, colleges, credit card, financial aid, landlord, new bank, phone carrier, t mobile

Thanks to idenity theift i pulled my credit, i found alot more than i expected but as it turns out they do all pan out. I am thinking about filing chapter 7 bankruptcy but since my wife’s credit is good we dont want it to show on her file, heres the thing. We are young we have nothing in our name our house is owned by her parents our cars are paid off we have no loans or anything of that nature with both of our names on it I would be filing by myself with out her. All my bad credit is old starting when i was 18 and I want to get a fresh start and with all the old medical bills and things bankruptcy seems the best for our family. I’ve read alot on these sites saying your credit is there credit and when you are married there debt becomes yours, this isnt true my wife’s credit score is over 700 while mine is in the 500’s this is why i am asking i dont want it showing up on her file…. does anyone get what im trying to say???

Technorati Tags: bad credit, cars, chapter 7 bankruptcy, credit score, filing chapter 7, filing chapter 7 bankruptcy, fresh start, loans, medical bills, parents

I have really bad credit. I have a few judgments against me, and a bunch of unsecured debt. I am planning on elisting in the navy this week. I took a practive ASVAB today and did really good. My actual ASVAB test is next week. I was wondering if i filed bankruptcy before i sign my life to the navy if it would come back to bit me in the rear.

Technorati Tags: asvab test, bad credit, bankruptcy, judgments, navy, practive, unsecured debt

Well, me and my fiance have been living in our first home (a double wide trailer) for 3 years. We have kept up with the payments just fine until we had to get this last loan out to cover the air conditioning (last summer). My fiance brings home about 5-7 hundred dollars a week depending on the hours he gets in. We even worked a paper route for about 6 months to get caught up with everything and it seems impossible. We dug ourselves into a deeper hole than we were in before and now it is reallly impossible to get out of. We have tried EVERYTHING to get back on track. My fiance just heard this morning after having a friend cosign for a personal loan, that we were denied and the cosigner had PERFECT credit. My fiances credit has gotten terrible since we bought this house and he is so overwhelmed with bills and working 12 hours 5 days a week that it is driving him crazy. He tried many times to get a personal loan/home equity loan and everything before he had tried to get the cosigner and those times obviously he was turned down as well because of bad credit. I don’t like hearing DENIED once or twice a week and seeing my fiance get disappointed. The loan he is applying for would be used to pay off all of the bills we are currently making monthly payments on and knocking the monthly bills from almost 500$ to just over 150$. Paying that one loan payment will make things easier for now and he can pay that off as much as he can, but the minimum would be a lot easier to keep up with. He is saying that if he can not find a way to keep up with things better, we are going to lose the house. I am unsure of what we could do and i wanted to ask all of you if you have ever been in a similar situation and if so, what did you do to get out of it when everything seemed impossible. We were thinking bankruptcy, but we don’t know how it works. I am hearing that you still have to make payments on your bills unless it adds up to a certain amount. If the current credit accounts do not add up to be enough, would foreclosing our house and filing that on our bankruptcy help since it would be a higher total of debt? I don’t know how this works and he can’t just STOP paying people because i know they will all take him to court and garnish his paycheck. Please give me some advice. Thanks

Technorati Tags: 3 years, air conditioning, bad credit, bankruptcy, cosign, cosigner, credit accounts, double wide trailer, fiance, home equity loan, loan payment, paper route, personal loan

Help I hear so many diffrent stories and read so many diffrent answers who is right? I do not owe alot of money maybe 15,000 but I am tired of having bad credit! I just want a new start. I know because I have seen it people that file bankruptcy get to start over and enjoy having good credit again I just want mine clean! When I say I have seen it it’s because my god mother went through this and she has more credit cards, a new house better than the one she had before! I am only 25 I will turn 26 this year I only have one child and I want my own house before I am thirty so should I try to file and start with a new slate? Yes I know I owe the debt so before I get insults just give me advise I learned my lesson I want a new start and better life for my son
I am considered a low income, I have help from the state, food stamps and medicade. Will BK affect my son’s medicade? Will the state take it away

Technorati Tags: bad credit, bankruptcy, better life, bk, credit cards, food stamps, god mother, insults, medicade, money, slate, state food

Help I hear so many diffrent stories and read so many diffrent answers who is right? I do not owe alot of money maybe 15,000 but I am tired of having bad credit! I just want a new start. I know because I have seen it people that file bankruptcy get to start over and enjoy having good credit again I just want mine clean! When I say I have seen it it’s because my god mother went through this and she has more credit cards, a new house better than the one she had before! I am only 25 I will turn 26 this year I only have one child and I want my own house before I am thirty so should I try to file and start with a new slate? Yes I know I owe the debt so before I get insults just give me advise I learned my lesson I want a new start and better life for my son
These are debts from 2001 and I don’t make a lot I am considered a low income individual.

Technorati Tags: bad credit, bankruptcy, better life, credit cards, debts, god mother, insults, money, slate

I was young, (22yrs old) had 2 jobs and made good money. I decided to trade in my old junk of a car and buy a brand new car. I had no credit history so my then bf helped co-sign for my new car. My interest was sky high but I didn’t care at the beginning because I had no idea what I was doing. I paid a very large amount per month and then after about a year, I lost my main job. A few months after that, I lost my other job. I now was collecting unemployment and went through HELL to make sure that car was paid off every month. I started making late payments and my life was just a mess because not only did I have to pay for that car, I had the insurance, rent, etc. I was no longer able to pay my car and that day came when Mr. repo came knocking on the door. They took my car after 2 years of me working my butt off and they auctioned it off for SO cheap (almost had a heart attack at how much they sold it for!)

This was in 2008 and 2 years later, I’m still struggling financially in more ways than a hundred lol…I have really bad credit, I can’t even open a bank account and I feel like my once so organized and amazing life is now totally off track. I don’t know what to do. These are my questions:

1. If I open a bank account, can my lender seize all my money? Not a savings, a checking account.

2. Being that I did not pay the upside down on the car (,000) should I file for bankruptcy and is it too late to do that after 2 years? And for those who want to suggest that I pay off the 16 grand, I’m not because I’m not going to pay for a car I don’t have anymore and you might say well you’re stuck with it you should have never bought a car you can’t afford I don’t want to hear it because you don’t know my story. I want serious answers, not answers that are going to sound mean and not help.

If there is anything that I’m missing? Please, any advise would be GREATLY appreciated. Thanks in advance

Technorati Tags: bad credit, brand new car, butt, checking account, collecting unemployment, credit history, heart attack, hell, insurance, job, jobs, late payments, lol, money, repo, should i file for bankruptcy, sky, thanks in advance

I was young, (22yrs old) had 2 jobs and made good money. I decided to trade in my old junk of a car and buy a brand new car. I had no credit history so my then bf helped co-sign for my new car. My interest was sky high but I didn’t care at the beginning because I had no idea what I was doing. I paid a very large amount per month and then after about a year, I lost my main job. A few months after that, I lost my other job. I now was collecting unemployment and went through HELL to make sure that car was paid off every month. I started making late payments and my life was just a mess because not only did I have to pay for that car, I had the insurance, rent, etc. I was no longer able to pay my car and that day came when Mr. repo came knocking on the door. They took my car after 2 years of me working my butt off and they auctioned it off for SO cheap (almost had a heart attack at how much they sold it for!)

This was in 2008 and 2 years later, I’m still struggling financially in more ways than a hundred lol…I have really bad credit, I can’t even open a bank account and I feel like my once so organized and amazing life is now totally off track. I don’t know what to do. These are my questions:

1. If I open a bank account, can my lender seize all my money? Not a savings, a checking account.

2. Being that I did not pay the upside down on the car (,000) should I file for bankruptcy and is it too late to do that after 2 years? And for those who want to suggest that I pay off the 16 grand, I’m not because I’m not going to pay for a car I don’t have anymore and you might say well you’re stuck with it you should have never bought a car you can’t afford I don’t want to hear it because you don’t know my story. I want serious answers, not answers that are going to sound mean and not help.

If there is anything that I’m missing? Please, any advise would be GREATLY appreciated. Thanks in advance

Technorati Tags: bad credit, brand new car, butt, checking account, collecting unemployment, credit history, heart attack, hell, insurance, job, jobs, late payments, lol, money, repo, should i file for bankruptcy, sky, thanks in advance

I have like a 10,000 dollar accident debt from getting in an accident without insurance. I was under 18 at the time and my parents filed bankruptcy but it came back to me when I turned 18. I plan to file bankruptcy because with the amount and the interest on that amount it would take me way to long to pay that off…but I was wondering if I should load up some credit cards or something before I file, just to get something out of it. My credit bad already apparently so it doesnt look like I can get any credit cards or even loans. Any advice?
Im only 18 and I feel like these are my prime years, I dont want to work full time for free basically to pay off some stupid debts. I would rather pay the 1,000 dollar bankruptcy and deal with bad credit for awhile. I guess Im more so asking if theres anything I can do before that to get something out of it.
I dont know how it came back to me, but my mom sent the a letter to the judge showing where in there bankruptcy thing it showed it got rid of that debt but they still said I was responsible.

Technorati Tags: accident without insurance, bad credit, bankruptcy, credit cards, debts, full time, insurance, loans, mom, parents