I’m out of a job and I just cannot pay my credit card bills anymore. Now I want to file bankruptcy but I’m afraid if a job calls me and checks my credit history they wont hire me. I’m also living at my sisters but would like to get my own place if I ever get a job.
I’m studying to become a nurse, however I am struggling financially and may have to file for bankruptcy before I finish school and become a nurse, will I be able to get hired as a nurse or will they look at my credit and say that they can’t hire me b/c I wasn’t financially responsible. I’m going crazy worrying how the bankruptcy will affect my ability to get a good job. Does anyone know what importance does credit history play when it comes to getting hired for medical jobs?
My daughter recently saw her employee record and pre-employment background check. It listed her as HIGH RISK. She has a perfect credit history, college degree, excellent employment record and no criminal history. She phoned the background checking agency and asked why. They responded that she is HIGH RISK because she is my daughter and when I went through a life challenging health challenge and became disabled, I had to file for bankruptcy. Because my daughter was living at home at the time of my illness / bankruptcy, they say that makes her HIGH RISK. My health crises and bankruptcy should have NOTHING to do with my daughter’s life. Is this legal? If not, how do we fix this? Who knows how many jobs she has been denied because of the false HIGH RISK status!
She does not live with me. She has had two homes since this happened and nothing has changed this negative report. It simply cannot be legal for an agency to assign blame to one person for another person’s actions. If I committed murder, you wouldn’t also go to jail just because we lived together. If my current landlord files for bankruptcy, it has NOTHING to do with me. A child cannot be responsible in any way for their parents financial collapse due to a near death health challenge.
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?
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?
I owe a total of about 8k, so I guess it sounds ridiculous to file bankruptcy. Im just not sure of my options. None of my debt is from credit cards, but I had a repo a year ago. I owe about 3k on that car, then the rest are small debts, like old medical bills. When I apply for any type of credit it tells me I have no credit history which is not true since I owe money. How can I pay this and rebuild my credit?
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 
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
I was told by a car dealership salesman that the only way I could get into a car was through a lease, so I did. I have not had the vehicle for a year yet, but have put about 40K miles on it and am having a difficult time making the lease payment and paying the considerably higher insurance requried. I want to turn it back in, but am unsure about how much money they are going to try and bill me for for the mileage and wear and tear, and a host of other penalties etc. Will they put a lien against my home for this, garnish wages, etc.? Would filing bankruptcy before turning it back to them protect me from this? Would a bankruptcy be better than a repo on my credit history?
I had a chapter 7 discharge on my debt about 13 months ago, and recently have come into some money..and wanted to know if I could pay back the bankruptcy trustee the debt that was discharged and it would clear my credit history of the discharge?
Thanks!
I have almost 20 years of bad credit I should have filed for bankruptcy ages ago.
Why is a hiring company/employer checking a person’s credit history so damn important when someone is trying their best to find employment?
How can I clear up my credit history so that hiring companies/employers don’t see it (without spending any money)?
What’s the sense of getting & knowing what’s on your credit report when you can’t do anything about it (because you can’t pay the creditors off)?
I got laid-off from a job of 12 years in January now I have lost all faith, I’ll never get another job, help please!
I have bad credit & unemployed. Why do hiring companies check your credit history when you’re looking for work?
I have almost 20 years of bad credit I should have filed for bankruptcy ages ago.
Why is a hiring company/employer checking a person’s credit history so damn important when someone is trying their best to find employment?
How can I clear up my credit history so that hiring companies/employers don’t see it (without spending any money)?
What’s the sense of getting & knowing what’s on your credit report when you can’t do anything about it (because you can’t pay the creditors off)?
I got laid-off from a job of 12 years in January now I have lost all faith, I’ll never get another job, help please!
*****I know this is not a P&S question but I need some serious help.*****
My credit history was great for the last 30 years but my house got foreclosed recently so my credit is in a freefall right now
I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 – 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?
I filed chapter 7 back in Dec 2001 when it was discharged.
My credit card company supplies TransUnion scores and credit history every month and it shows that the derogratory item (which was 1 for bankruptcy) is now 0.
So was my bankruptcy removed and why was it removed after only 6.5 years?
i have really poor credit, including a repossed vehicle and a foreclosure on a home. if i wait to file for bankruptcy until after the wedding will my wife take a hit on her credit? she has no credit history at all.
im young, made some bad decisions in my short lived credit history…and i just cant take the harassing calls from creditors..im in college and currently unemployed…i live in los angeles…what is the first step to file for bankruptcy? where do i go? what do i do? who do i need to get in touch with?