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?

Technorati Tags: bankruptcy, credit history, good job, jobs, nurse

I defaulted on approximately 0K worth of debt in 2006 which has obviously affected my credit score. I now have a very good job with 0K in household income. Additionally, I have K in cash as well as K in a 401K. I’m very stable – have been with my current employer for 5 years a mid level manager.

The poor credit will ‘fall off’ my credit report in three years. I have an opportunity to purchase the home I am leasing for approximately 0K.

Are there any legitimate lenders that will lend to someone with good income, employment and assets but a poor credit score? FHA will not consider me due to the outstanding ‘debt’ associated with the charged off accounts from 2006. Yes, I did attempt to file for bankruptcy, but got taken by an unethical attorney. I’m not interested in credit repair scams to allegedly ‘improve my score’.

I know there must be others in my position with everything except for the credit aspect. Therefore, I’m guessing there must be an alternative market to fill that niche.

Am I correct or am I way off base?

Technorati Tags: 401k, alternative market, assets, bankruptcy, credit repair scams, credit report, fha, good job, household income, income employment, lenders, mid level, niche, poor credit score

I’ve been out of job for long time, plus medical bills and I am facing foreclosure, as well as months of unpaid c/card and one unsecured loan bills. I don’t think I can pay both mortgage and c/card bills. I want to keep the house and the only way out of this situation I see is to file for bankruptcy. I finally have good job offer in my field that i am about to accept. I wonder if I should file while I am still unemployed, or when I have a job. Thank you

Technorati Tags: bankruptcy, c card, card bills, facing foreclosure, good job, job offer, long time, medical bills, mortgage, unsecured loan

Should I get a divorce? I have been married for 4 years and the entire relationship is about my husband. He has a lot of issues. First, he is an alcoholic. I have tried to help him and support him when he says that he is going to stop, but he always starts back drinking. After we were married I found out he cheated on me with this woman who attempted to commit suicide when she found out he was married (which tells me that this was an intimate relationship, not a one night stand like he told me). But I forgave him. He lost a job because of his drinking and began to drink all day every day. During this time I was pregnant. I had to pay all the bills all while I was pregnant. My entire pregnancy was miserable; the only time I was able to enjoy it was on the day of my baby shower. He stayed drunk so much that I had to ask a neighbor if they could help me if I had to go to the hospital in the middle of the night. He ran up a high cell phone bill talking to an ex girlfriend who lived in another state. I had to file for bankruptcy because I could no longer afford the bills on my own. I lost my home that I worked so hard to get before I married him. I could have lost my job because my credit is so dependent on me maintaining a security clearance. I helped him find a good job that offered good benefits and possible advancement. Right before he started the job he got arrested for a DUI. Well, once he actually started the job he was unable to pay any household bills because he had to pay for the lawyer and child support for his other children from a previous relationship. He barely helped me with any of the household bills. We have separated 2 times for short periods of time, but I always feel sorry for him because he says he doesn’t have a place to go. He has hit me before and has pulled a gun on me. He calls me out of my name whenever we get into arguments. He just received about 7000 from school and only gave me 700 for bills. He goes out and buys all this unnecessary stuff, including beer and cigarettes and claims that he is buying things for us. Recently, he quit the good job and says that he is about to start his own business. The job he had paid for his child support and benefits for his other kids. He never helps me buy things for our child. He says that he doesn’t help me with the bills because I don’t tell him what is due. I am a totally different person. I went from a size 8/10 to a size 16. I am always angry I find myself lashing out at people and I know this is because of the situation I PUT MYSELF IN… But why can’t I just file for divorce and get him out of my life. I called the attorney and gave him all of my information, but I haven’t sent him the payment yet. I know that I am not in love with him, but I can’t understand what is holding me back from mailing the payment to start the divorce. I know this is unhealthy. I know this is a lot but can someone outside reading in tell me clearly why I am holding on and what you think I should do. Please help me any good advice.

Technorati Tags: baby shower, bankruptcy, cell phone bill, child support, dui, ex girlfriend, good job, household bills, intimate relationship, lawyer, neighbor, night stand, pregnancy, security clearance, short periods, should i get a divorce, suicide

I was laid off in February of 2009 and have not been able to find a good job since. I have been without medical insurance for almost 3 years and have to pay out of pocket for a required medication costing roughly 0 per month. I have moved back into my mother’s house (I’m 26) and I am overdrawn on my bank accounts every week just from paying off my car, my storage (I moved home from another state since I could no longer afford rent,) my medicine, groceries, and then attempting to make payments on my debt. I have spoken with a credit counseling organization (MMI) and they have offered me a plan by which I would pay them about 0 per month. This plan would entail 0 per month for debt payment, 5 for car payment, 5 for my student loan, 0 for medicine and 5 for storage of all of my possessions. This is 95 per month. It does not include food. It does not include emergency preparation. And it is also 0 over my monthly income.

Issue #1: I need a new job. On average, I apply for 20-30 jobs PER DAY. I have been told that, since the economy went bust, EVERYONE checks the credit of a potential employee. Obviously my current poor credit is enough to render me unhireable. If I declare bankruptcy, how much worse can (will?) my job hunting situation be? I currently temp at a front desk for just 30 hrs a week, no benefits.

Issue #2: I need to be able to move out of my mother’s house. She is very kind to have opened her home to me when I am in such need, and I try very hard to stay out of her way, but she makes it very clear that it’s a huge burden on her to have me around (I know she is right, but it makes it no easier). She is also 100% against me declaring bankruptcy, not only for the impact it will have on my life but for the stigma it will bear on hers. I need to be able to have my own place again. But, my current credit is so poor AND declaring bankruptcy would remain for 10 years on my credit report, that no one would possibly rent to me. Which is less devastating to a potential landlord? Terrible credit and a ridiculous debt-to-income ratio, or a recent bankruptcy claim?

Issue #3: My car is currently worth about k less than what I still owe. I have tried to sell it back to the dealership, they charged me k and even when I left the car with them, they immediately called me back to pick it up because apparently something in the undercarriage was repaired wrong (oh and getting my k back was a real hoot, let me tell you.) It has already been repo-ed once and I had to pay money I didn’t have to get it back. I have tried selling in private forums, I have tried refinancing, I don’t know what else I can do. No one will buy a car worth almost ten grand less than they’re paying. I want very much to keep it, but I can’t afford it. And yes, simply letting it go would COST ME MONEY. Dave Ramsay says, "sell the car." What would Dave Ramsay suggest in this situation?

Issue #4: I have no savings. If I declare bankruptcy, I will be living off of my income alone (my savings deteriorated during my time when I was unemployed, after which my debt increased exponentially. HOWEVER. If I declare bankruptcy and can divide my piffle paycheck so that at least SOME of it can go towards savings, then at the end of ten years when the bankruptcy falls off my credit report I will have something, instead of nothing. Or just…more of the nothing I have right now.

Issue #5: I can’t pay these bills. (see the price outline in the first paragraph.) Won’t these companies just sue me anyway, if I don’t declare?

Look. I love and respect my mother (who is not a financier.) I do not want to make her sad because her daughter went bankrupt before the age of 30. But let’s be realistic here. How much worse could my situation POSSIBLY GET if I declare, file for Chapter 7 and get my debts forgiven so that I may begin to rebuild.

I would very much appreciate ANY input, on a REALISTIC, REASONABLE alternative to me filing for bankruptcy. I have listened to "Financial University" by Dave Ramsey about 1000x and I’ve read Suze Orman’s books and seen her show.

It would bring me so much comfort, and I would so appreciate it, if my peers on yahoo who have experience or knowledge with this kind of thing could reach out and give me their honest, informed opinions.

Technorati Tags: 3 years, bust, car payment, credit counseling, debt payment, declaring bankruptcy, emergency preparation, front desk, good job, groceries, issue 1, job hunting, landlord, medical insurance, mmi, new job, poor credit, possessions, stigma, student loan

i need help,ive been married for 3 1/2 years we have a 4 year old, my husband is a good father.but he cant hold a job, shes been out of work for 5 months and has not applied for a single job, he says hes waitng to go back to his job in spring (construction) where he works part timeish whenever he wants because hes friends with the owner, i kept pleading with him to find a real job,but he wont and it causes a big argument every time. ive known him for 6 years and hes never been able to hold a job (we met when i was 17), im scared because weve been forced to file bankruptcy and have no money for food and cant pay our bills, his mom brings food over. i dont want to lose my house and things keep getting worse i hold a good job buts it not enough, i cant live like this any more, what can i do he wont listen to me!

Technorati Tags: 5 months, 6 years, bankruptcy, good job, mom, money, waitng

I was laid off in February of 2009 and have not been able to find a good job since. I have been without medical insurance for almost 3 years and have to pay out of pocket for a required medication costing roughly 0 per month. I have moved back into my mother’s house (I’m 26) and I am overdrawn on my bank accounts every week just from paying off my car, my storage (I moved home from another state since I could no longer afford rent,) my medicine, groceries, and then attempting to make payments on my debt. I have spoken with a credit counseling organization (MMI) and they have offered me a plan by which I would pay them about 0 per month. This plan would entail 0 per month for debt payment, 5 for car payment, 5 for my student loan, 0 for medicine and 5 for storage of all of my possessions. This is 95 per month. It does not include food. It does not include emergency preparation. And it is also 0 over my monthly income.

Issue #1: I need a new job. On average, I apply for 20-30 jobs PER DAY. I have been told that, since the economy went bust, EVERYONE checks the credit of a potential employee. Obviously my current poor credit is enough to render me unhireable. If I declare bankruptcy, how much worse can (will?) my job hunting situation be? I currently temp at a front desk for just 30 hrs a week, no benefits.

Issue #2: I need to be able to move out of my mother’s house. She is very kind to have opened her home to me when I am in such need, and I try very hard to stay out of her way, but she makes it very clear that it’s a huge burden on her to have me around (I know she is right, but it makes it no easier). She is also 100% against me declaring bankruptcy, not only for the impact it will have on my life but for the stigma it will bear on hers. I need to be able to have my own place again. But, my current credit is so poor AND declaring bankruptcy would remain for 10 years on my credit report, that no one would possibly rent to me. Which is less devastating to a potential landlord? Terrible credit and a ridiculous debt-to-income ratio, or a recent bankruptcy claim?

Issue #3: My car is currently worth about k less on what I still owe. I have tried to sell it back to the dealership, they charged me k and even when I left the car with them, they immediately called me back to pick it up because apparently something in the undercarriage was repaired wrong (oh and getting my k back was a real hoot, let me tell you.) It has already been repo-ed once and I had to pay money I didn’t have to get it back. I have tried selling in private forums, I have tried refinancing, I don’t know what else I can do. No one will buy a car worth almost ten grand less than they’re paying. I want very much to keep it, but I can’t afford it. And yes, simply letting it go would COST ME MONEY. Dave Ramsay says, "sell the car." What would Dave Ramsay suggest in this situation?

Issue #4: I have no savings. If I declare bankruptcy, I will be living off of my income alone (my savings deteriorated during my time when I was unemployed, after which my debt increased exponentially. HOWEVER. If I declare bankruptcy and can divide my piffle paycheck so that at least SOME of it can go towards savings, then at the end of ten years when the bankruptcy falls off my credit report I will have something, instead of nothing. Or just…more of the nothing I have right now.

Issue #5: I can’t pay these bills. (see the price outline in the first paragraph.) Won’t these companies just sue me anyway, if I don’t declare?

Look. I love and respect my mother (who is not a financier.) I do not want to make her sad because her daughter went bankrupt before the age of 30. But let’s be realistic here. How much worse could my situation POSSIBLY GET if I declare, file for Chapter 7 and get my debts forgiven so that I may begin to rebuild.

I would very much appreciate ANY input, on a REALISTIC, REASONABLE alternative to me filing for bankruptcy. I have listened to "Financial University" by Dave Ramsey about 1000x and I’ve read Suze Orman’s books and seen her show.

It would bring me so much comfort, and I would so appreciate it, if my peers on yahoo who have experience or knowledge with this kind of thing could reach out and give me their honest, informed opinions.

Technorati Tags: 3 years, bust, car payment, credit counseling, debt payment, declaring bankruptcy, emergency preparation, front desk, good job, groceries, issue 1, job hunting, landlord, medical insurance, mmi, new job, poor credit, possessions, stigma, student loan

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

I am in debt over ,000. I really don’t know what else to do. I don’t have and can’t find a good job, etc.
Anyway, I need to file bankruptcy. I believe it is Chapter 7, where you just get rid of all your bills.
How do you do it?
How hard is it to build your credit back up?
What are some things you can’t get rid of?
How much does it cost?
How long does it take?
Any other details you may have?

Technorati Tags: bankruptcy, chapter 7, good job

My husband and I both need to file I’m afraid. We live in Michigan where the economy, as reported, is the worst in the country. I have a job I love but my company is on a pay-increase freeze right now, otherwise I’d be making about more an hour. My husband lost a really good job in September of 2007 and did not receive unemployment. He finally was able to get a job in Jan of 2009 but it pays less an hour than his old job.

Anyway, when he lost his job we had to make do the best we could and decided that if we couldn’t afford to pay something, let the credit cards go so that we can keep our home. Now it’s been 2 years and the economy SUCKS. We would both like to get 2nd jobs to pay off our credit card debt but we are lucky to both have jobs at all! The unemployment rate here is over 15% ! Anyway, he talked to a lawyer a few months back about himself filing bankruptcy without me because I was able to make some credit card payments of mine still. Now because of the rise in my health insurance premiums I cannot afford any of my credit card payments. How do we file bankruptcy jointly on only our credit cards as we can afford and do not want to lose our house and car?

Technorati Tags: credit card debt, credit card payments, credit cards, economy, filing bankruptcy, good job, health insurance, health insurance premiums, insurance, jobs, lawyer, old job, unemployment rate

I am in debt over ,000. I really don’t know what else to do. I don’t have and can’t find a good job, etc.
Anyway, I need to file bankruptcy. I believe it is Chapter 7, where you just get rid of all your bills.
How do you do it?
How hard is it to build your credit back up?
What are some things you can’t get rid of?
How much does it cost?
Any other details you may have?
How long does it take?

Technorati Tags: bankruptcy, chapter 7, good job

I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job.

I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out?

What would you do? I feel so lost right now.
My husband won’t agree on ANYTHING. I can’t tell him anything without it costing several hundred dollars to have the attorneys talk for us.

He doesn’t have to pay child support because he doens’t have a job .We live 5 states away and he wants the kids every other month! My babies are 5 months old and 23 months old and he told me before he left he could care less if they live or die. He’s only using them to hurt me.

Technorati Tags: 3 years, 5 months, attorneys, babies, bankruptcy, child support, credit card debt, divorce, dollar mark, good job, money, several thousand dollars, stay at home, stay at home mom

I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job.

I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out?

What would you do? I feel so lost right now.

Technorati Tags: 3 years, bankruptcy, credit card debt, divorce, dollar mark, good job, money, several thousand dollars, stay at home, stay at home mom

Where do I start…
Ok, My boyfriend foreclosed on a house about 2 years ago now after trying to sell it for about 5-6 months. This all spiralled from losing his job when his company shut it’s doors. So yeah he tried everything he could to keep it and it would not sell so his only option at that point was walk away. The bank was very understandable and worked with him as best they could through it all and they told him just to move out quietly when it became obvious it was not selling and he was more and more behind.
So he moved out and never heard a thing afterwards, they never took him to court, he never recieved a notice saying he owed anything, nothing. They sold the house shortly after he moved out. He has been renting ever since and he has a very good job now.
Well, now we want to buy a house together so my question is, what should he do now? a lawyer thinks he should file bankruptcy, but its been 2 yrs (he’s not in trouble now) I think that would make things worse…
We’re not minor’s and I don’t appricate the comment about skipping payments on a rental. We’re both very smart with our money and we know how to budget, we don’t go and blow it. There are so many houses available in our area for incredable prices, this is why we are looking to buy now. We plan on Wedding in the next year or 2 but we want to get a house now while prices are good. Oh and we had talked to a mortage broker and when he did our approval he never said a thing about the foreclosure, just that his credit was in the mid range, or will that come up when we get the final actual home loan?

Technorati Tags: bankruptcy, doors, foreclosure, good job, home loan, lawyer, mid range, money, mortage broker

i need to file but i don’t know which is best chapter 7 or 13. i have a good job but my finaces got out of control.

Technorati Tags: chapter 7, finaces, good job