My ex-best friend has been on my mind for the past 4 years now. Here is a Short version of what happened:

We were best friends for 9 years. We married brothers, so we became sisters and we were a very close group. My husband became Very ill and had to have surgery. He ended up in the hospital in november 2004 and was there until january 2006. he nearly died 5 times from Several complications. anyway, the last day that i saw her in person was the day of his surgery, she and my brother-in-law come to the hospital and when they left she didn’t even give me a hug.

a week before christmas 2004 she called me to tell me they were getting divorced and when i told her my husband was dying she said "that sucks" with no remorse for her friend/brother at all, or me! she immediately moved into a trailer with three guys, got knocked up, and moved to another state. i havent seen her in 4 years! she left us all in shock, my brother-in-law then lost his job, filed bankruptcy, went through the divorce, and was dealing with his brother dying in the hospital.

plus, i stayed with my husband the entire year in the hospital with no way to contact anyone (i didnt even have a cell phone).. and since she moved around i had no way of finding her anyway. she told a mutual friend that i can kiss her *** for not acknowledging her birthday that year!!! my husband was dying and i never got a call or email or even a card or visit! wtf!

then, my husband passed away in december 2007.. my friend told her and i still got no card or email or anything. but on christmas day 2008 she sent me a message on myspace saying "merry christmas"… how am i supposed to take that? i said, "you also" and that was it.

i can’t stop thinking about her and how maybe i am wrong somehow?!?! but She is the one who abandoned Me.. i keep getting these guilty feelings like the divorce may have been hard for her (but i doubt it), it was her choice to do so and it in no way could have been more stressful than what i was going through.

please someone give me advice or what could make me feel better? everyone is telling me to completely let it go. i dont know if i want closure, but im almost certain i dont want her as a friend anymore.. she’s changed Way too much since then, even her religion, friends, clothes, lifestyle.. everything! Should I contact her? help!!

ps: i ALWAYS pick a BEST ANSWER, so someone WILL get 10pts!!!

Technorati Tags: bankruptcy, best friend, best friends, brother, cell phone, christmas, christmas day, divorce, email, guilty feelings, job, merry christmas, mutual friend, quot, remorse, shock, three guys, week before christmas

My ex-best friend has been on my mind for the past 4 years now. Here is a Short version of what happened:

We were best friends for 9 years. We married brothers, so we became sisters and we were a very close group. My husband became Very ill and had to have surgery. He ended up in the hospital in november 2004 and was there until january 2006. he nearly died 5 times from Several complications. anyway, the last day that i saw her in person was the day of his surgery, she and my brother-in-law come to the hospital and when they left she didn’t even give me a hug.

a week before christmas 2004 she called me to tell me they were getting divorced and when i told her my husband was dying she said "that sucks" with no remorse for her friend/brother at all, or me! she immediately moved into a trailer with three guys, got knocked up, and moved to another state. i havent seen her in 4 years! she left us all in shock, my brother-in-law then lost his job, filed bankruptcy, went through the divorce, and was dealing with his brother dying in the hospital.

plus, i stayed with my husband the entire year in the hospital with no way to contact anyone (i didnt even have a cell phone).. and since she moved around i had no way of finding her anyway. she told a mutual friend that i can kiss her ass for not acknowledging her birthday that year!!! my husband was dying and i never got a call or email or even a card or visit! wtf!

then, my husband passed away in december 2007.. my friend told her and i still got no card or email or anything. but on christmas day 2008 she sent me a message on myspace saying "merry christmas"… how am i supposed to take that? i said, "you also" and that was it.

i can’t stop thinking about her and how maybe i am wrong somehow?!?! but She is the one who abandoned Me.. i keep getting these guilty feelings like the divorce may have been hard for her (but i doubt it), it was her choice to do so and it in no way could have been more stressful than what i was going through.

please someone give me advice or what could make me feel better? everyone is telling me to completely let it go. i dont know if i want closure, but im almost certain i dont want her as a friend anymore.. she’s changed Way too much since then, even her religion, friends, clothes, lifestyle.. everything! Should I contact her? help!!
ps: i ALWAYS pick a BEST ANSWER, so someone WILL get 10pts!!!

Technorati Tags: bankruptcy, best friend, best friends, brother, cell phone, christmas, christmas day, divorce, email, guilty feelings, job, merry christmas, mutual friend, quot, remorse, shock, three guys, week before christmas

So yeah my soon to be ex- wife makes 3 times the amount i do, we filed taxes jointly at first, with out my knowledge she claimed outreagous deductions and now we have to pay for it. The debt is 30,000, i dont have that kind of money, hence why im filing bankruptcy because off all the stupid mistakes i did when i was married to her. So if i do file bankruptcy i know i can’t get out of the IRS debt like that, so will the debt be split down the middle? Or will one of us be held more responsible then the other?
I constantly argue with her that she is responsible (although i know we both are) for that IRS debt, she so called says that shes making 2,000 payments a month. When not to long ago i got a letter in the mail saying about a recent audit and again i spoke to her and claims that she’s making payments.
im filing bankruptcy for other reasons…
she’s a real estate agent and these deductions are for dry cleaning, car expenses, cell phone expenses…

Technorati Tags: car expenses, cell phone, dry cleaning, filing bankruptcy, irs, letter in the mail, money, phone expenses, real estate agent, stupid mistakes

My live-in-fiance has HORRIBLE credit, & as of right now we are renting & financing 2 cars. Everthing including credit cards & cell phone contracts are under my name, eventually we want to buy a house, but either way we need to fix his credit. Alot of the debt is unpaid hospital bills (was unemplyed for 8 mnths & in those months he got very ill & no ins.) and some of the debt are from when he was younger & abused credit cards.
He owes a bank 0 & now cant even get a back account under his name.
I would say 1/2 of his debt is from 8yrs ago & the other 1/2 (hospital bills) are current.
My question is should he try to consolidate the debt or just file for bankruptcy. His medical bills are about ,000 alone. Misc debt is about ,000.

Technorati Tags: alot, amp, bankruptcy, cars, cell phone, contracts, credit cards, fiance, hospital bills, ins, medical bills

I am 25, married, and own a small home. Due to very slow payment (I pay mortgage with student loan monies when they arrive), my house is going into foreclosure. I also have a lot of debt from medical expenses, and hubby has major debt (car, credit cards) from his teen years.

I have enough money to reinstate my mortgage without filing some type of bankruptcy. However, that would leave me with no lump sum of safety money. I do work, so I could feed myself – but I never seem to have enough income to pay for regular expenses AND my mortgage. So, if I don’t file bankruptcy and I catch up/reinstate my mortgage…I know I’m going to fall right back into the "non-payment" category again.

Is catching up my mortgage better than filing bankruptcy? What about the other debts that I have? How is credit affected?

(I’m going to grad school, so I have many years of being a poor college student left. I just need to know what I should do about my house and other bills in collections)
Husband is college student too. Together our income is still VERY tight on making all payments on time.

Yes we have cell phone – but no cable/internet/home phones. I don’t know what else to cut.

Technorati Tags: cable internet, car credit, cell phone, collections, credit cards, debts, filing bankruptcy, foreclosure, grad school, hubby, loan monies, lump sum, medical expenses, mortgage, poor college student, student loan, teen years

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 think I owe about 20,000 in I have 4 credit cards, 1 repo, 2 broken leases, and utility bills oh and 1 cell phone, but I have heard that paying old debts can still lower my score more than what it already is, I dont want to file for bankruptcy but if I dont where am I going to get 20,000 dollars? It all started when I turned 18 I am 25 now. Is it true that after 7-10 years they just fall off your credit should I pay, file bankruptcy or let it fall off, if thats true? My god mother filed for bankruptcy and was able to rebuild her credit but with my luck I wont be able to do anything I want a fresh start and I want to fix my credit does anyone have advise I obviously dont have alot of money please help.

Technorati Tags: 10 years, bankruptcy, cell phone, credit cards, debts, fresh start, god mother, leases, money, repo, score, utility bills

Here is the situation. The couple just got married almost a year ago, both have horrible credit. The wife’s is due to not having insurance and has had major health concerns and piled hospital bills for the past 2 years. Also 2 credit card debts from years ago that equal no more than 3,000 owed on them.As well as a recent accident that has gone to collection in the claim amnt of approx 8,000. The husbands is from misc. small hospital bills( say no more than 2,500) , outstanding cable bill 600, repo’d car approx 7,000, cell phone close to 1600.. so im probably figuring a little high with the 25,000.. but lets just say 25,000. They don’t own a house , currently renting, The husband is active duty ARMY, she is doing online courses and doesn’t work. Their vehicles are paid outright, do not owe for them at all. And have no credit cards in their name . What would you advise??

Technorati Tags: amnt, cable bill, cell phone, credit card debts, credit cards, duty army, hospital bills, insurance, major health concerns, repo

cell phone shut off cause that is the only phone I haver

Technorati Tags: cell phone