please don’t scold me for having so much debt or being financially responsible. Whats done is done. Only the present and future advise i need now.

I can’t find job. It is very hard. Even though i have bachelor degree in math, i can only get .50 an hour which is nothing to fight the ,000 unsecured debt.

I defaulted on my payments since february 2009. The .50 hour an job — almost all of it goes on cell phone bill, broadband bill, car gasoline, dog food and dog vetreneary expenses (i have 2 large dogs).

I get 100’s of phone calls by harassing creditors. I no longer pick up the phone. I can never raise 00 for bankruptcy lawyer in such poor financial situation. My interest rate has hiked to 36% APR and i keep getting slapped with more and more fees of interest and penalties. I QUIT!

What will the creditors do to me now? there is not 1 single asset i own, except for my 2 beloved dogs.
Will creditors send me to jail? how will this situation end?

Please advise. I see no end to this at all as long as job market is stagnated.
.50 an hour job is as good as being unemployed. right?

Technorati Tags: bachelor degree, bankruptcy lawyer, beloved dogs, cell phone bill, dog food, financial situation, gasoline, harassing creditors, interest rate, job, math, phone calls, unsecured debt

Should I get a divorce? I have been married for 4 years and the entire relationship is about my husband. He has a lot of issues. First, he is an alcoholic. I have tried to help him and support him when he says that he is going to stop, but he always starts back drinking. After we were married I found out he cheated on me with this woman who attempted to commit suicide when she found out he was married (which tells me that this was an intimate relationship, not a one night stand like he told me). But I forgave him. He lost a job because of his drinking and began to drink all day every day. During this time I was pregnant. I had to pay all the bills all while I was pregnant. My entire pregnancy was miserable; the only time I was able to enjoy it was on the day of my baby shower. He stayed drunk so much that I had to ask a neighbor if they could help me if I had to go to the hospital in the middle of the night. He ran up a high cell phone bill talking to an ex girlfriend who lived in another state. I had to file for bankruptcy because I could no longer afford the bills on my own. I lost my home that I worked so hard to get before I married him. I could have lost my job because my credit is so dependent on me maintaining a security clearance. I helped him find a good job that offered good benefits and possible advancement. Right before he started the job he got arrested for a DUI. Well, once he actually started the job he was unable to pay any household bills because he had to pay for the lawyer and child support for his other children from a previous relationship. He barely helped me with any of the household bills. We have separated 2 times for short periods of time, but I always feel sorry for him because he says he doesn’t have a place to go. He has hit me before and has pulled a gun on me. He calls me out of my name whenever we get into arguments. He just received about 7000 from school and only gave me 700 for bills. He goes out and buys all this unnecessary stuff, including beer and cigarettes and claims that he is buying things for us. Recently, he quit the good job and says that he is about to start his own business. The job he had paid for his child support and benefits for his other kids. He never helps me buy things for our child. He says that he doesn’t help me with the bills because I don’t tell him what is due. I am a totally different person. I went from a size 8/10 to a size 16. I am always angry I find myself lashing out at people and I know this is because of the situation I PUT MYSELF IN… But why can’t I just file for divorce and get him out of my life. I called the attorney and gave him all of my information, but I haven’t sent him the payment yet. I know that I am not in love with him, but I can’t understand what is holding me back from mailing the payment to start the divorce. I know this is unhealthy. I know this is a lot but can someone outside reading in tell me clearly why I am holding on and what you think I should do. Please help me any good advice.

Technorati Tags: baby shower, bankruptcy, cell phone bill, child support, dui, ex girlfriend, good job, household bills, intimate relationship, lawyer, neighbor, night stand, pregnancy, security clearance, short periods, should i get a divorce, suicide

I am 23yrs old my debts are from 07 i have a car repossession, 2 credit cards, a loan, a cell phone bill, some medical bills in my credit including a judgment and all that equals out to about 10k in debt. I have dreams of someday owning a house. maybe when I’m 30? but for now i would like to obtain a credit car for everyday expenses. Should i file bankruptcy? I am obviously more conscious about the responsibility and importance of a good credit history that’s why my debts are all from 2007 but idk what steps to take. should i? is it beneficial?

Technorati Tags: car repossession, cell phone bill, credit car, credit cards, credit history, debts, dreams, everyday expenses, idk, judgment, medical bills, should I file bankruptcy

I am 21 years old when I was 19 I bought a car and took out a loan for it. Then six months later I lost my job and soon after I surrendered my car up to be repossessed. Then like six months after that I got a letter saying I owed the company over seven thousand dollars for the money they lost. also at the same time my sister who was 16 ran up my cell phone bill and i had to disconnect it. adding another 400 dollars to the already 900 dollar phone bill. Since I lost my job I was not able to pay these bills and when i finally did find a job I barely made enough to cover the bills i had. now I am just wondering if it would be easier to just file bankruptcy and start over or should I try to pay the thirteen thousand dollars. With all the stuff on my credit it comes up to a little over thirteen thousand dollars in debts. What do I do?

Technorati Tags: bankruptcy, cell phone bill, debts, dollar phone, job, money, six months, thousand dollars

I am 24 and i just got a 50k hostiple bill that went to collections i am never going to be able to pay it off– i had no insurance and i made like 20dollere more a month so i did not qualify for medical assistance—

after asking this q 2 hrs ago this is what i would try to get rid of
a 50k hostiple bill
a cell phone bill
a bank for a bad check when i was like 16
and a public defender bill when i was like 17
no current credit lines no mortgage no loans no auto payment
300 doller credit card bill
should i file–yes cuz the hostiple bill is HUGE!
can i file this my self if so how hard would it be/

thanks

Technorati Tags: cell phone bill, collections, credit card bill, doller, insurance, loans, medical assistance, mortgage, public defender

So I have a small amount of credit card debt…but it’s still there and I have also been informed I could get rid of my private student loan debts by filing bankruptcy. I just wonder how easy or difficult it might be to file a chapter 7 when all I receive is SSDI, I don’t have a job, and I don’t have any assets. I attend college…and only just as long as I keep receiving grants for it…the grants stop, I’m out of school because I can’t afford it. I’m also single, 23 years old and paying rent and other bills with the SSDI…such as car insurance to be able to drive my friend’s car, my cell phone bill which I keep so people can get in touch with me, and then I have medication to buy as well as school textbooks every so often when the grant doesn’t give me enough to supplement for books. Also…if I didn’t keep loosing jobs due to my poor health, than I would repay most of this debt…so please…no harassment from people.

Technorati Tags: 23 years, assets, car insurance, cell phone bill, chapter 7, credit card debt, debts, filing bankruptcy, grants, harassment, insurance, job, jobs, medication, poor health, private student, school textbooks, ssdi, student loan

Im not sure if i have all of the information correct. But i know of someone that has about three small limit credit cards, and a cell phone bill that all equal to about 2500-3000 debt. As of right now its almost impossible for her to pay the minimum balance of the bills and they are threatening to take her to court. Its just overwhelming. Can she file for bankruptcy for credit cards? If not what will happen with her or what will they do.

Technorati Tags: bankruptcy, cell phone bill, credit cards, minimum balance