When my ex and I split up and child support was set up, I made a budget that fit the income. After a few years, my ex quit his job to get out of child support. After finding where he was working and turning it in, he would quit again to move to another job. I used my credit cards to fill in the missing money thinking i would pay it off when he started to pay again. Well that didn’t happen. Now I am filing bankruptcy after cutting everything we used to do out. I will be able to pay the bills with my own income when this is through. My daughter sees that I am stressed and hears the collections calls. Do I tell her the whole truth? I don’t want to seem like a complete failure in her eyes like i can’t handle money and she lost everything she used to do because of my incompetence. We wouldn’t be this bad off if he didn’t run from his responsibilities. But I don’t want to make her hate her dad.
She is 13 years old. Her Dad rarely sees her because it is now his turn to enjoy life since he started to have kids at 20(he is 42 now- and that is a quote from him) He has a 21 year old son from a first marriage living with him who he makes pay all the bills in their house. That son is going to move in with me next month because he has been wanting to go to college but hasnt been able to since all his money goes toward the household expenses(he works 60 hours a week at a little more than minimum wage and he is not my biological child)
This is for the people who asked how much he was in her life and how old she was.

Technorati Tags: 13 years, biological child, budget, child support, collections, credit cards, dad, failure, filing bankruptcy, household expenses, incompetence, job, marriage, minimum wage, missing money, whole truth

I was going through a hard time on the date of a court appearance, my son had been prematurely born in Sept, he was due in January. He passed away in Dec. They put a guilty plea for me because I didn’t go. The case was for some money that my ex had taken out of his dad’s account and we spent it. I know it was wrong, I was dumb. but now they are trying to pin all of the money on me…,000! I would have been willing to do some of it, but damn. So now they are trying to garnish my wages, the only option I can think of is bankruptcy, I have a lot of debt anyway and I really don’t care anymore. I’m young and I can handle it. But I need to know if that kind of judgement would stand through a bankruptcy ch7?

Technorati Tags: bankruptcy, court appearance, dad, guilty plea, hard time, judgement, money, wages

My checking account was garnished and my dad paid the balance to get the account reactivated. The bank is holding onto the money till the 15th of Jan when it is due to be released. If I actually file for bankruptcy before the money is due to be released is there a chance I can get it back since it hasn’t been turned over to them. I live in Missouri if that helps any lawyers.

Technorati Tags: bankruptcy, checking account, dad, lawyers, money

I’m only 12 and I have a great life and friends ; how come my sister gets to live her life until 18 in new jersey when she has her license and everything and my parents are wanting to move to VIRGINIA. I just wanna cry…i have a life here and i don’t wanna move!!!!!!!! At the time, my dad is in terrible physical condition and his business is in dept. I was where they were talking a few minutes ago and he was saying "We should just file bankruptcy and just sell this house. I’m under so much stress with this business. I have to get up every day at 5:30 am when I want to sleep. I just can’t handle this anymore I’m getting old and I wish I could just retire but we need money. We should just sell this house and move. Eventually we are doing that." I had to leave the room before i started crying. I can’t stand Virginia!!! No effence but I HATE their accent and everything about that place- the country and no stores…whats up with that? I’m a city girl and I want to stay that way. My dad
offered for me to go to the Virginia school and my New Jersey school, and I would do that but now it doesn’t seem like i can. Oh by the way I dont want to have the accent too. It’s makes me seem stupider. =[[[ help?

Technorati Tags: accent, bankruptcy, city girl, dad, few minutes, money, new jersey school, parents, sleep, stress, virginia school

I have about 7,000 credit card debt i am in a credit counseling program. Ive had my car for a year and I am so upside down the loan was for 15,000 6 years at 20 % interest. My current income is only about 900 a month so i am considering filing bankruptcy and having my dad cosign for a new car and a house which wont be for a few years when im done with school. My whole family is pressuring me to go bankrupt but im tempted to just tough it out so i can maintain good credit? What should i do?

Technorati Tags: 6 years, cosign, counseling program, credit card debt, credit counseling, dad, filing bankruptcy, new car

I will be filing chapter 7 bankruptcy and I paid 00 to the bankruptcy lawyer. The attorney advised me that if I get any collection agency calls, I tell them to contact him instead of me talking to them.

So per his advise, I keep telling creditors that if they have any questions, they kindly contact my bankruptcy attorney instead of calling me. However, a collection agency named CFO financial says that they will still continue calling me for payment regardless of the fact that i provided them the lawyer info.

Isn’t this harassment? The collection agency clearly knows it I cannot pay and they know it I have retained a bankruptcy lawyer and they know it well chapter 7 is on the way. However they insist to call me instead of communicating with attorney. Why?

I am tired of telling them "to contact my lawyer" and they still keep ringing the phone a lot. Isn’t this supposed to be a violation of my rights?

It seems this collection agency is asking to be sued by the attorney for doing this. Why?
Also they seem very stunned that I have the ability to pay 00 to the lawyer. They kept saying, "are you sure you made the payment to the lawyer? are you aware the payment for the lawyer is more than what you owe us?"

They keep on pressing me to communicate with them, and the lawyer said never to open my mouth except to refer them to him.
abel, this is a useless answer. my lawyer has already pulled my bankruptcy report from all 3 credit bureaus.
cat dad: they have ignored my letter.
i mean NCO financial, not CFO financial.
should i let my bankruptcy lawyer know about this? or i should not bother him?

Technorati Tags: abel, bankruptcy attorney, bankruptcy lawyer, chapter 7 bankruptcy, credit bureaus, creditors, dad, filing chapter 7, filing chapter 7 bankruptcy, harassment, lawyer info

my mom has over ,000 in debt. she’s maxed out in ALL of her credit cards. she just today got fired from a job she’s had for over 27 years and she is 47 years of age. I was wondering if she should file for bankruptcy since we don’t know when she will have a job. she has a mortgage in her name …but my dad is the one who pays ALL of it and that is taken care of…….. they separated but are not divorced. she rents a room with my sister. we cannot help her with the payments on her credit cards and why should we?! because we are having difficulties ourselves with unemploymen, but I’m pretty sure having a place for her to stay at will be NO problem ..it’s just that we cannot help her with credit card payments. what will be the smartest move? and what kind of bankruptcy can she file without it affecting my dad or the mortgage
my mom has 10 siblings that can take care of her from now on, including myself. we’re young and we can give her a roof , and also, since my dad is taking care of the mortgage, there will be no problem. i just don’t want her to worry about making those damn payments on credit cards
I’m sorry not siblings, I mean relatives, including kids, brothers, etc
old bitty, why shouldn’t she file bankruptcy? will that hurt the house my dad is paying for, which is under both their names. will that hurt her chances of retiring?
even with those funds, she couldn’t possibly pay the minimum on ALL her cards

Technorati Tags: bankruptcy, credit card payments, credit cards, dad, job, mom, mortgage, relatives, siblings

I am now legally divorced, but when we separated, I did not cover my a@# financially. My dad was diagnosed with colon cancer, so I was not concentrating on the separation and left with my 2 kids to be with my family. Before I could cancel anything, he overdrew our joint bank account and the car in his possession was repo’ed, but both our names were on the loan. All of this is stated on the divorce decree, but that doesn’t protect me from the creditors. Anyway, now he has filed for bankruptcy. So I am afraid the creditors are going to come after me. Should I file bankruptcy too? I refuse to pay for debts that were his alone, plus I can’t afford it. Any suggestions?

Technorati Tags: colon cancer, creditors, dad, debts, divorce decree, possession, repo, should I file bankruptcy

2 hospital visits from anxiety/panic attacks, i took the ambulence the first time.

i am managing that better now but i make 400 a month and i owe like 3k and on top of that im helping my dad pay a 2.5k loan

Technorati Tags: 3k, ambulence, anxiety panic attacks, dad

My dad just consulted a bankryptcy attorney and decided to file bankruptcy. So can he still use his credit cards (Visa, Macy’s, Bestbuy)?

Technorati Tags: bankruptcy, bestbuy, credit cards visa, dad, macy

Why is it soo wrong to file bankruptcy. I just asked a question because my dad might have to and someone called him a piece of ****, WHy? My father has worked hard his whole life to take care of me and my 5 brothers and sisters and with trying to give us everything we needed to give us a good life…just like school clothes and little things. We did not get whatever we wanted…in know way like none of us had a car until we were over 18, and we all bought it ourselves, we didn’t get things like laptops, cameras, ipods, things like that at all..but it still costed alot to feed and clothes us and keep a roof over our head. He is searching for any other possibility right now, because he needs to retire he needs to get off his feet. He has little circulation in his legs and it is very hard on him… and he can’t with all of the devt he built up over the years.he doesn’t want to at all but with not other alternatives…why is it soooo horribly bad. and please don’t be MEAN I just want to know

Technorati Tags: bankruptcy, brothers and sisters, cameras, circulation, dad, devt, laptops, legs, school clothes, whole life

my dad and i have a credit card i was just an added card…but then removed me from the card and closed it, he is still paying it off… i would like to be able to add that to my credit once more and file or do something….any other options ideas… i dont have too much debt its under 7grand but i am disabled and waiting on my trial. thanks
i just added it up and its a bit over 12 grand… but yea i guess ill just wait on my settlement thanks

Technorati Tags: credit card, dad

I am a single dad with 3 kids. I filed Ch. 13 bankruptcy about three months ago, so it is far from discharged. I got a note on my apt. door from mgmnt saying they would NOT be renewing my lease 4/30/06. So I have to find a new place to live. With my being in bankruptcy, my credit could not be worse. So I will have to come up with a 1st, last, & security payment to move in. I want a 3br (the kids) but the move in costs for a 3br are astronomical. I was thinking about NOT paying March and April rent to the place I have to move out of, to use the money to be able to find a new place. I know thats not the standup thing to do, but I dont want me and the kids to be homeless, either. Anyone know how long it takes after you get a 3day notice demanding rent payment before you ACTUALLY have to remove yourself and your property from an apartment? Im in Florida, btw. Any serious input is appreciated.

Technorati Tags: amp, apartment, bankruptcy, btw, dad, homeless, money, three months

I am bankrupt. I have way too much debt and unemployed along with a long term medical condition. I get 50 calls a day by creditors and i speak rudely to collection agency reps saying, "go fk yourself. eat sht and die"

i also will not file any bankruptcy protection because i cannot afford the 00 fee needed for bankruptcy. i have no assets and no home. I live with parents.

i own no car either. My banks have negative balance and i keep all my cash at home in a lock box. So how will this creditor harassment end?

I will not work anywhere until creditors stop harassing me because i don’t want garnish wages.
i drive 2008 bmw registered in dad’s name, but the car is actually my own.

Technorati Tags: assets, bankruptcy protection, banks, bmw, creditor harassment, creditors, dad, garnish wages, medical condition, negative balance, parents

I filled bankruptcy last week with plans to reaffirm the auto loan and keep the car. Mostly because my dad is the co-signer.

Today I tried to make a payment only to find the loan has been sold to some other company, and now I fear they will change the interest rates and add fees. Is this what will happen? What would happen to the co-signer if I decide to return the car and discharge the loan?

Technorati Tags: auto loan, bankruptcy, co signer, dad, interest rates

Hi, my dad past away 3 years ago and my mom never worked, so when he died (he was 46) only had 100k for her and an annuity. She spent all the money on fixing the house, like my dad wanted, and paid off all the debt they had. The annuity brings in 0 and her bills are triple that! She’s financially dumb! She listens to nothing we say. She does have a job now, but only pays 5.50/hr.

She also has 2 vehicles, one leased and one on a loan, fully financed. She has come to the point of them sending the repo papers, but she pays them eventually, she asks for money from family.

Should she file for bankruptcy?
Thanks for all the advice so far….
To answer some of the questions…..

1. she has two vehicles because my sister is in the same situation (spending more than she makes), newlyweds and already having trouble, so my sister has one of the cars!

2. I have bought books for her, but she’ll read maybe 10 pages! She does not want to sit down and see the whole picture, she use to do that with my dad.

3. She owns the home, she paid off a HELOC after my dad died.

4. She has canceled her sat., cell, pest control and is on a basic land line service. All she has is her debt.

5. She’s living off of her CC’s because she uses her 0 to pay the car bills and maybe part of the care insurance. My grandmother gave her ,000 last month and paid maybe 4 bills, including the cars, and still ended up over drafting 0 because she ate out too.

6. I’ve told her to sell, i’ve even posted an ad in craigslist myself, but she says she can’t sell because she needs a car! So frustraiting.

Technorati Tags: 3 years, annuity, bankruptcy, care insurance, cars, dad, grandmother, heloc, insurance, job, mom, money, newlyweds, pest control