I am deliquent on 7 cards for 3 months but only one card has been calling me since the payment was 2 days late. They have called me from 8 am till 10 pm, monday thru sunday. I have written to them and even sent small payments at first but have stopped that since I can’t afford it and it made no difference to them. Their law firm called me a few minutes ago (yes on a sunday morning). I have no money to pay them anything and am a couple months away from not even being able to pay rent, so the credit card bill is last on my list. I live in a cheap apartment in a bad area, walk or take the bus (have no car), nothing valuable and no money in the bank except when pay small paycheck goes in (I make about 700 month after taxes and also have a child to feed. I wanted to file bankruptcy but cannot find anyone in this state (Texas) that offers free legal aid. If I was a violent criminal, I could get an attorney, but for bankruptcy, no one will help. I was stable for 14 years.
circumstances changed for me last year and my world fell apart. If I do ever get to file bankruptcy, can it remove a judgement from a card company if they got one on me? I have no disposable income so I don’t know what they could really get.

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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