We (me, my husband and 2 children) moved in with my father-in-law after his wife passed Christmas of 2010. We moved in to help with the house and bills and manage his money (he had to file bankruptcy 9/2010). He’s horrible with money, if it’s in the bank he spends it. Him and his wife had incurred 10’s of thousands of dollars worth of debt. We were not able to strip off a 30K home equity loan attached to the house. We are currently paying more than a double payment toward the loan so it’s approximate payoff is 6 years or less. (This will NOT change). He’s 72 and in good health. The value on the home is about 120,000. The home equity loan is for just under 29K. And he owes about 92K on the home. We are to inherit the house someday. My question is this, should we put my husbands name on the home. If so, when? Should we "buy" it from him or should we leave him on it. PLEASE NOTE I WANT TO BE FAIR TO HIM AS WELL. Should we wait till we’ve paid the home equity loan down substantially or should we do it soon? I’m wondering because of the inheritance tax. He does have life insurance. Term life, we are to get 15K. I hope that’s enough info…Let me know if I’ve left something out.

Technorati Tags: 6 years, approximate payoff, bankruptcy, christmas, good health, home equity loan, husbands name, inheritance tax, insurance, insurance term life, life insurance, money, thousands of dollars

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

I have been sick over a year. I have been battling it out with social security and have not received any income since my illness. I do not own any property, not even a car. It got repossessed during my illness. I had to break my lease and stop paying my credit cards. My total debt is around 80K. My credit is devastated. I found out my former landlord intends on getting a judgement. I have no money, but am allowed to live for free right now because of my parents. I’m 26. I went to law school for 2 years before I got sick. I bought a NOLO book on bankruptcy, but it seems like the process is stressful and confusing. I don’t have the money to hire an attorney. Nobody else has tried to sue me yet. My family said they would pay up to 2K for a bankruptcy lawyer as like a birthday/christmas present, but I feel bad because they have already been paying for so much (my medical bills, me living in their house). Should I file this myself, wait, or get the attorney? There is no way I can pay all these people back at this point.
Oh I have a free consultation on Monday.

Technorati Tags: bankruptcy lawyer, christmas, credit cards, free consultation, judgement, landlord, law school, medical bills, money, nolo book, parents, social security

While my husband was not working due to medical reasons,I did something I said I never wanted to do. We have two school age children at home,money was a real problem for us for about two years. I reluctently took on using credit cards for groceries,clothing and Christmas for the children. My husband was denied disability benefits and bills in the meantime got way out of control. even with the income he has now,the mortgage,electric,insurance,etc. eat up every thing he gets.I am only able to work a parttime low wage job in my area.The cards are all in my name and there doesn’t seem to be any other way out.Is there someone out there who can help me online to find the help I need?

Technorati Tags: christmas, disability benefits, electric insurance, groceries, home money, insurance, medical reasons, school age children, using credit cards, wage job

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

he was always so controlling growing up. i couldnt drive like my friends could he never let my mom drive either. he always had to drive her out of town. i remember going to the store and i would be with him when he would see a stranger I felt like i would be kicked aside and his performances would began. he would make them feel like he is the best guy in the world. he would always had this thing for helping strangers over his family. we were always brushed aside if a stranger needed help. i just always thought this was weird growing up. i left got married. not 13 years later….i havent lived near him in those years and decided to move down the street from him. he is a contactor and he said he would do anything i wanted to my house and help me. so i paid top dollar for it and i thought my husband ,me and him would work on the house. he does some drywall work and then rips out the bathroom and rips stuff out upstairs and rips the stairs off says he is going to build me the best stairs . so my husband and i are working with him try to learn and do what we can. i was paying him what i could and then he found out i paid the wood layer to lay wood on the floors and he got really pissed and started telling my mom that we are just USING him. He said he is never going back down there and helping me. so my husband and i are now stuck with this house that he just decided to rip stuff out of and say how good he is at fixing it. he knows we dont have any money to hire contractors and we are very limited on knowledge about how to fix it. he would say you cant fix it because you dont have to money to hire contractors. and stuff like that. so my husband and i have been for the past 6 months try to learn and fix. in the meantime during this remodeling period he promised me i would be in the house christmas and i told him we cant do this together longer that that because i have another mortgage and i have to get my house ready to sell. he said i would be in the house last christmas. no he just walks in the house and said if you dont pay me for working 500 a week i would put a lien on your house or you can finish it yourself. so my husband and i just decided to finish it ourselves. he is an alchoholic gets drunk every night. the bad news is that i have been staying with him and my mom until the remodeling is done. he got mad at me last week and locked me and my son out of the house after i went to the grocery store and couldnt get my other child out of the house. my daughter let me in . he changed the locks and my key wouldnt work. he is very jealous because he knows i have about 100,000 equity in my other house and i was asking him to do this one little job that i could find anyone else to do and he thought i was talking about the house i have all the equity in and said he is absolutely not going to do any work on that house and me turn around and sell out and make money on. i had to sell all my stocks have been through my savings just to not lose anything. the whole house was ripped out and i couldnt get my other house sold that had the equity in until i got the house ready to store my stuff in because i couldnt afford storage and had nowhere to put my stuff. he shows no concience. how could you lock your grandchild out of the house? i told him that i am going to lose my house and have to file bankruptcy because he bailed on me and ripped my house out and he could care less. he never showed love to me growing up and doesnt now either. its very eery. i tell my kids i love them all the time. it seems he wants to win. my husbands family has really been helping us with out house trying to get it sold and he gets really pissy not happy for us that they are helping. i asked him if he could just please bring his triler over to the house after work instead of the morning so i could move some furniture and there will be 5 other people here also. he said oh so you are trying to con me into moving furnture. i litterly have to have another person around me when he does stuff for me because he puts on this great show and does this spectacular job when a stranger is around. if it is just me and him he will be throwing my furniture around. i feel like he wants to win . he wants me to fail. this is about him not helping and then us failing and losing one of the houses. he told me when he said he is not working any more on my house that HE has the power to get me and the kids in out house . I have wondered what i did i was a model child growing up and never asked him for anything before this house thing which was a huge mistake. and then i started reading about being a sociopath and he fits the criteria but i am not a psychologist

Technorati Tags: 13 years, christmas, contactor, drywall work, last christmas, mom, money, mortgage, stairs, stranger, top dollar, upstairs

Hi, my good credit was ruined by a divorce and a loss of a job in feb2009. I was making ,000 a year so the judge thought he would give me ALL the marital debt, then i lost my job about a month later. I was at that job for 5 years. I bought my own house and expedition with nothing down, if that tells you a little about how my credit was. Then i lost my job, and had to file bankruptcy just so i would not loose my house, and then of course my ex fought me on the bankrupty and it got dismissed, but of course my credit has already been ruined. I make good money again, but im just trying to play catch up, and i am married again to a wonderful man, and the only thing we fight about is money that is it! For my entire life i was the one to ALWAYS help others and now, at my time of need there is no one. So does anyone know of any place online or whatever that will finance Christmas gifts even when you have pathetic credit if you can indeed prove your income? I could care less if i get anything, but my girls are still young, and i want to do something for my husband so bad, for what all he went through just because he loved me so much. Thanks for reading!

Technorati Tags: bankruptcy, bankrupty, christmas, christmas gifts, divorce, girls, job, marital debt, money, time of need, wonderful man

Okay so i was really bored online and googled my last name and address for fun. Only to find my address and parents names and that they had filed for bankruptcy in July. I had no idea. I just got a ton of christmas presents and I go to a private school. I knew it wasn’t the best of times but I had no idea that things were bad enough for us to file bankruptcy, what exactly is bankruptcy and is there anything I can do to help my family?
it’s chapter 7, i dont know what that means thanks so much
I know that they paid for my presents in cash, not credit. idk if it makes a difference. They haven’t used credit cards in like 3 years but know that I think about it we always used to use them.

Technorati Tags: 3 years, bankruptcy, chapter 7, christmas, credit cards, idk, name and address, parents names, private school

So my husband and I dated for almost 5 years before we were married, my husband is the oldest of 4 boys, and closest to his mother. My husbands younger brother has been dating this girl for maybe a year, and his girlfriend kisses up to my mother in law, she showers my mother in law with gifts, she’ll go out and start her car for her and warm it up. It’s so annoying cause all I hear when my husband and I visit is how wonderful she is or what other expensive gift she bought her. It’s like I should have to go bankrupt to get her to like me, I buy her gifts when it matters…mothers day, christmas..birthdays…etc, is it just me or is my mother in law being a bit shallow, or should I make more of an effort?

Technorati Tags: birthdays, brother, christmas, expensive gift, girlfriend, mother in law, mothers day, shallow, showers