I am considering filing without an attorney. Situation is a wage garnishment for an 11k judgment that looks to be for credit card. (I’ve been disputing this for years trying to prove it’s fraud but clearly haven’t been successful – another story) Background: single mother, head of household, 2 kids, one student loan about 7k, one car loan, about 7500 left to pay, don’t own property, no assets; all my earnings go to rent, household and child care. I’m not behind on car or student loan payments. I just can’t afford wage garnishments and I think a bankruptcy is my only option to cease the garnishments. Since this 11k judgment is the only debt I need discharged in the bk, I think I may be able to manage this on my own instead of hiring an attorney that I can’t afford. Anyone have personal experience with this or with paying for a sevice that helps only with paperwork?

Technorati Tags: assets, bankruptcy, bk, car loan, child care, credit card, earnings, fraud, head of household, judgment, mother head, paperwork, personal experience, single mother, story background, student loan payments, wage garnishment, wage garnishments

My husband and I are in over our heads in debt. We owe approx 88k with cars and credit cards. We obtained the debt when he had a good job but now his job has changed and we just can’t pay minimums. We’ve seen a bankrutpcy lawyer who we didn’t like very much and another who we liked. The one we like costs 1300 dollars more and we just don’t have it. We really don’t want to file bankruptcy but w/ a new baby, childcare expenses, a new job, no childcare for one of us to work part-time (due to conflicting schedules), there seems to be no way.

We’re already behind on credit cards… should we scrounge up 500 to pay the retainer and find some way to get the remainder for the good lawyer? Or use what little we have for the crappy lawyer and file there? OR should we just wait until it gets worse to file just incase life seems to throw us something great? HELP!
We haven’t used a credit card in 6 months..we dont go out to eat AT ALL anymore..we’ve realized we’ve messed up and we have 2.00 in our checking right now..we have a little saved but that’s going to go soon..we’re not overspending. I’m using a friend’s computer to type this as I don’t have cable or internet.
Selling the cars would be an option if we weren’t upside down in them

Technorati Tags: bankruptcy, cars, credit card, credit cards, good job, lawyer, new baby, new job, part time, remainder, retainer

Can you choose not to include a repo in it since the car was initially meant for someone else and you already told the bank about this in the beginning when you told them to repo it? And I see that they say not to get anything on credit 6 months before you file… is that 6 months before you file or 6 months before you start the process? I just got two cars in August 2008 so should I wait 6 months before I start the process? There’s no way possible I can even keep ONE of the cars because my monthly insurance payment IS a car payment. A few questions about fraud… will I be charged by the bank? If I make payments on the repo can I still get charged? Can I or should I bring the dealership into it since they did it? I really did not know it was fraud. I know I will still owe them but I want to make sure those lying bastards get theirs, too. I just want to make sure that I can file bankruptcy on the other car. I can deal with paying the repo on the other car by not being able to include it.
Trust me my credit is horrible! Not a problem.

My recent car purchases in August 2008, yes this year, is why I NEED to file bankruptcy.

I was ignorant of how things worked and I had one pulled over me, I admit.

I am like… ,000 in debt.

All in car debt! I only have one past due credit card.
So my question is

Should I wait 6 months from the date I bought the vehicles?

Because it is not fraud… I lost my job and simply can not pay!
I don’t have a degree or any in demand skills so there is no way possible I could afford to pay 00 a months in bills.

I don’t even MAKE 00 a month, gross!

Technorati Tags: bankruptcy, bastards, car payment, car purchases, credit card, fraud, insurance, insurance payment, job, repo, two cars

Hi, I’m in a bad situation. I’m uninsured, and I had a severe retinal detachment a week ago. I had to go to emergency room, and then treatment. The hospital is going to bill me with huge amound, probably around 30k they said. And doctors are not even sure if I’ll get my vision back, as I still can’t see after the treatment. I applied for country programs, but they are not covering them because I went into emergency room care before applying for those programs. I do not have a job, and my poor wife works to support me and makes only about 600 dollars a month after tax. I don’t know what to do. I’m a student who has no job, and my wife and I live in my parents house. Therefore, I’m interested in filing bankruptcy. I have no way of paying this amount, and I certainly do not want my poor wife’s paycheck going to the debt. What happens when I file for bankruptcy? Will it affect my wife’s credit? I had perfect credit with excellent history until this happened. If I file for bankruptcy, will I lose all my current in-good-standing credit card with my bank? I don’t owe anything nor do I have any outstanding debt except this medical bill. Is it possible to file for bankruptcy but keep my wife’s credit score out of it? What are the requirements to quality for chapter 7? I heard that medical debt is unsecured, so it can be discharged. I have no job, unable to find job in this economy, I was going to cheap community college when this whole thing happened. What should I do? I need help. Will they put me in jail for not paying this debt?? thank you, kind people. I’m totally screwed.
For those of you who are asking how I’m asking these questions if I’m currently blind: I’m having my friend type it for me and read the answers to me.

Technorati Tags: bad situation, chapter 7, credit card, credit score, doctors, economy, emergency room care, filing bankruptcy, job, medical bill, medical debt, parents, paycheck, poor wife, retinal detachment

I went to collections for 3,000 credit card had a lien Hold on my Car registration and now I cannot renew after a few months. I declared Chapter 7 Bankruptcy and got the discharge. I called the collections company and they told me that the lien hold will stay because I got it before I declared chapter 7. Please Help.. Will like more insight on this.

Technorati Tags: car registration, chapter 7 bankruptcy, collections company, credit card, insight

When I first started to get some credit my uncle cosigned a credit card for me, this was about 4 years ago, I’ve since established some credit, now my uncle needs to file for bankruptcy. Will this hurt me also, what should I do? Should I cancel this credit card? I have now a few credit cards in my name only, and I kept the one he co signed because it has the best interest rate. What should I do? Thanks!

Technorati Tags: bankruptcy, best interest, credit card, credit cards, interest rate

Here is my story.
I am a 27 year old married mom of 2. Hubby is bipolar and can’t work. I have a few medical ailments that prevent me from working much outside of the home.
We have about ,000 of debt. Counsumer credit card, past utilities, medical expenses, etc.

We WANT to pay them off. Our problem is we don’t know if we should work with a debt consildation program or simple file for bankruptcy. Our income fluxuates from 0 a month to 00. We live in Ohio. Our rent is 5.00. We have no car payments. We own a 1982,1992,1993) We never go out to eat, go to movies, I am wearing the same clothes from when I was 18. Trust me, there is no way to cut back on anything.
I am just not sure if we can even afford to come up with a debt consilidation plan given our situation and income limits. Would it be better both emotionally and financially to just wipe the slate clean? Thoughts/Tips/Appreciated…stinky butts need not answer! THANKS!

Technorati Tags: bankruptcy, bipolar, butts, car payments, clothes, credit card, debt consildation, debt consilidation, fluxuates, hubby, medical ailments, medical expenses, mom, stinky

I have a credit card that I am behind on and owed ,000 and it just went into Collections a few months ago. I’ve been making the minimum payment ever since it went to Collections, but I can’t afford to make the minimum payment when it is not in Collections. Right now the minimum (with Collections) is -100 a month whereas before my minimum payment due was competing with RENT! Like, seriously, 0 or so.

I also have 2 recent E.R. bills that I am trying to slowly pay off… they are a combined total of ,000.

I am doing what I can to get all of my debt squared away. But, I just wanted to know at what point does one file bankruptcy??? Thanks.

Technorati Tags: bankruptcy, collections, credit card, minimum payment

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

I have a considerable amount of credit card and medical debt. I’m currently unemployed and caring for our two small children while my husband works and pays the bills. I babysit for a little boy and make about 0 cash a week, but we’re falling severely behind on everything. I have been searching desperately but I cannot find a job that pays well enough after taking chilcare costs into consideration.

So after a lot of discussion, my husband and I have decided that I should declare bankruptcy. His name would not be on it, as the debt is in my name alone. I just assumed that his income would be a factor when I file because it is the only household income we have. He says that it will not even be considered since his name will not be on the filing, and that I will file claiming "zero" income. Who’s right?

Also, he says I should just say my income is the small amount I made babysitting, but I did not pay taxes on that. What about that? Will I be in trouble if I disclose this information?

Technorati Tags: bankruptcy, credit card, household income, job, medical debt

Me and my wife after several months of financial hardships have contacted a attorney for possibly going into bankruptcy. We are current on all our bills and always have been. She had to leave her job in January and has not been able to find work since, to try and make up for this I went into a online venture which ended up me being scammed for about ,000 from a credit card I used. We lived off borrowed money and taxes but that is all gone. My question is this, I have no money…I mean no money at all. My refrigerator is broken so we have had to eat out at fast food for the past few weeks. Things are crappy and I need money to get by, however I don’t want to get into trouble for using my cards when I plan on filing for bankruptcy. Is it acceptable to use them for things such as food, clothing, gas etc… I would greatly appreciate any help you can provide. I feel bad enough for being pushed into this but don’t want to get into legal trouble if we do file. I have yet to speak to a attorney and don’t even know if I qualify. So is ok to use the cards for these things? Would be ok to use a credit card to buy a new refrigerator? or to pay to maybe get the old one fixed???? PLEASE HELP!

Thank you so much in advance!

Technorati Tags: cards, credit card, fast food, filing for bankruptcy, financial hardships, food clothing, job, legal trouble, money, refrigerator

My credit score is not that good (between 584-624 for each bureau), and I was wondering if I should get a credit card to raise my score, or if it will go up substantially when my brankruptcy goes off of my report (in 2008)?

Technorati Tags: brankruptcy, credit card, credit score

I am going to file chapter 7 bankruptcy in Maryland and I have a joint credit card between myself and my son. What I would like to do is keep the credit card so I still have something for emergencies after I file bankruptcy. Do I have to list the joint account when filing bankruptcy? Because I would like to keep it open and keep making the payments as usual, and if I did list it could that effect my sons credit, even if he makes the payments, since he is joint on the account?

Technorati Tags: chapter 7 bankruptcy, credit card, emergencies, filing bankruptcy

long story short – my ex-boyfriend open a credit card (,000) and made a second card for me. I’m not a co-signer on this card – only a 2nd card holder for this credit card. When I got this card I did not give out any of my information. When we were together, I was paying for the credit card but now that we’re not, I stopped paying for it. It has now went to collection agency and they want my ex to pay for it but he doesn’t work and has no source of income. He has no property and he does have a car but the auto title is under his parents name. He is living with a friend right now. He told the collection agency that he can’t pay for it b/c he’s not working. What will happen if he doesn’t pay for it? Should he filed for bankruptcy? Can the collection agency come after me and force me to pay for the balance?

Thanks

Technorati Tags: auto title, bankruptcy, card holder, co signer, credit card, parents name

Last year at this time my credit score was 750, but over the past year I have had some financial crisis and am very deeply in debt. I talked with a lawyer today and I understand the difference between chapter 13, and 7. My question is, other than the obviouse destroying my credit, how will filing chapter 7 affect me? Will I ever get a credit card again? Will I lose my atm/debt card? Will I be able to rent a house or apt after my foreclosure? Please, anyone who has any experience with this, any info would help.

Technorati Tags: atm, chapter 13, credit card, credit score, debt card, filing chapter 7, financial crisis, foreclosure, lawyer, obviouse

Due to my ex-husband being a co-debtor on some medical bills for our 2 sons, he will be receiving a notice that I am filing bankruptcy. I do not want him to know my business because it’s his fault I’m having to file. He has to receive the notice by law since he is responsible for 1/2 of the medical bills (which he never pays). During the divorce he was ordered to pay on a credit card which my name was listed first. Well he never paid and know I’m being sued for k. I had no other options but to file for bankruptcy. I filed today and he will receive a notice and become privy to my filing for bankrupcty. I know he will call me and give me crap. I don’t want to deal with him. I would just like some good come back to say to him when I get the call!!!!!

Technorati Tags: bankrupcty, credit card, debtor, divorce, filing bankruptcy, medical bills

PLEASE READ THIS DETAIL! I really need advice…
Just today while my mom and I were in the car, we just came from the grocery store and were talking. We talked about how the people on section aid and government aid were able to get SO MUCH food, dress better than us, and even sometimes live better than us. We live in a nice city bungalow home in a nice neighborhood next door to a University, but I’ve noticed that getting groceries every month is a struggle with all the bills that needed to be paid and any other additional thing I might need for school, etc.
My mom has a job that pays quite well per hour, but they tax her A LOT. She is taxed for senior citizens (because in the past her job took out money from the previous employees pension check so now the current workers HAVE to take out money for their wrong doing), taxed for city, state, pension, and the optional dental and doctor insurance (but who wants to live without those necessary things!?). So by the time she receives her first check, it ALL goes to the mortgage bill for the house. Her second check goes to house hold bills (light, gas, water, telephone, cellphone, car, etc.) Leaving us with very little money to live off on. She has tried receiving some kind of government aid to help pay for the gas and light bill, but they said she was making too much money…which isn’t true AT ALL. They’re not looking at how much she’s being taxed and how much she has to pay for bills.

Anyway, my mom got upset and told me, "Once the job lets me go (they are firing her on my birthday because of the ‘financial crisis’) I will blow up my credit card and pay off the house, the car, and some of your college tuition for 2 years. After that, I will file for bankruptcy because I’m tired of doing the right thing, but get nothing for it. I’m always getting screwed over. We have to work REALLY hard to get just what we need when people on section aid and government aid don’t have to work as hard to get what they need or WANT." I explained to her that her credit score was PHENOMENAL and she shouldn’t make that decision because she worked YEARS to have such a great score. But she said she didn’t care. She was tired of it. She said it wasn’t going to affect me in any kind of way so why should I care? …I got really sad and wanted to cry to think that she wanted to give up like that and even think negatively like that, but could you blame her? My mom has always made the right decisions financially. She bought her first house when she was 18 and has NEVER missed a payment on it. We lived there until I turned 12 and moved to another house with a better neighborhood so…i don’t know what’s gotten into her.
What should I do? Is it in my right to tell her to make a better decision? I’m a senior in high school so what can i do?! I don’t want my mom to stoop so low….please, help me. Serious answers, plz. :’(

Technorati Tags: bankruptcy, bungalow, college tuition, credit card, doctor insurance, doing the right thing, financial crisis, gas water, government aid, groceries, grocery store, insurance, mom, mortgage bill, nice city, nice neighborhood, pension check, senior citizens, state pension, struggle

When I was 18 I got my self into quite a bit of consumer debt. Most of it has not been paid off and it doesn’t look like I am going to be able to deal with it anytime in the near future. I just got a call informing me that a bank has filed a civil claim for close to 00 for a credit card with a balance of 00. They haven’t found me to serve me papers yet but I’m wondering if filing for bankruptcy will help get rid of all this baggage. I have two kids now and my husband just lost his job so I legitimately do not have the means to pay of my debt. Anyways I’m not sure what my best option is.

Technorati Tags: civil claim, consumer debt, credit card, filing for bankruptcy, job

This sounds a little tricky but it’s not really. I am planning on filing bankruptcy in November as a result of a writ put on my bank account due to a credit card that wasn’t paid off (and I was never served the papers for).

I currently live in PA but will be moving to NJ in October which is in my favor pertaining to the BK I learned. Also I am adopting my cousin’s child who will be coming to live with me in Nov. I was told to wait until he is here to file because that will also help my case. My main concern is that I don’t want it to go to a chap 13 BK.

Any advice on what I can do right now to help set myself up for making sure it becomes a Chapter 7 Bankruptcy would be appreciated. Thank you for your help. Any spam answers, pointless one word answers etc.. will be reported.

Thank you,
Mary

Technorati Tags: bk, chap, chapter 7 bankruptcy, cousin, credit card, filing bankruptcy, s child, word answers, writ

I’m meeting with a bankruptcy attorney tomorrow morning. This is only because in 6 months, I have been unable to find a job and my unemployment is going to run out. I want to start a criminal justice program and I originally had planned to wait till I had a job to make monthly payments, but would it hurt to add the 0 to my already 00 credit card today? I have about ,000 in debt before adding the criminal justice program. This is a mix of credit cards, medical bills and student loans. Does anyone know? Thanks!!

Technorati Tags: bankruptcy attorney, credit card, credit cards, criminal justice program, job, medical bills, student loans, tomorrow morning, unemployment