My dad owe ,000 to credit cards, lines of credit etc..

It all started when we bought a house. My dad was the only one working. After two months purchasing the house, my dad lost his job. So, hoping the he’ll find another job, my dad kept on paying the mortgage, property tax etc from his credit cards.

He did not find any job. My mom found a job but not a good paying job.

After 3 years, we couldn’t afford it and sold the house.

Right now, we live in an apartment. My dad is diabetic and has other medical problems and can’t find any job. Also, his language difficulty is preventing him from finding a job.

My mom works and its enough just for rent and food for our family.

My dad keeps getting phone calls from credit companies and stuff asking him to pay. My mom gives him 50 or 100 bucks per month to pay his credit cards but she can’t do this every month because she only earn that extra if she works extra hours. She has arthritis and her doctor told she shouldn’t work much.
My parents’ first language is not English, hence my dad has difficulties with English.

Technorati Tags: 3 years, apartment, arthritis, credit cards, dad, finding a job, first language, good paying job, language difficulty, medical problems, mom works, mortgage, parents, phone calls, property tax

Husbands family went bankrupt. We have 80K debt which we ARE able to pay off. Husband is very influenced by sister to file for bankruptcy. He even quit his job and said he no longer wants to work because now there is no need to!I have told his sister numerous times to stay out of our families life but she continues to call him 10 times a day and tell him to file, file, file. I don’t have a lawyer and do not know how things work, but I would really like to legally have a way to tell her to get lost and stop advising and brainwashing him! Just because she has ruined her family does NOT mean she can butt into my family and ruin mine. What can I do legally with a lawyers help? Don’t want to sound stupid when I call up a lawyer, so want to see if any of you know before-hand what I can do. My husband had a really good paying job and so do I and we managed to pay off 90K in five years. If we borrowed the money, I feel like we should pay back if we are physically and mentally able to work and pay off debt. Bankruptcy is not a way out for me, especially for something we CAN pay off in a few more years!

Technorati Tags: bankruptcy, brainwashing, few more years, good paying job, lawyer, lawyers, money, ruin

Husbands family went bankrupt. We have 80K debt which we ARE able to pay off. Husband is very influenced by sister to file for bankruptcy. He even quit his job and said he no longer wants to work because now there is no need to!I have told his sister numerous times to stay out of our families life but she continues to call him 10 times a day and tell him to file, file, file. I don’t have a lawyer and do not know how things work, but I would really like to legally have a way to tell her to get lost and stop advising and brainwashing him! Just because she has ruined her family does NOT mean she can butt into my family and ruin mine. What can I do legally with a lawyers help? Don’t want to sound stupid when I call up a lawyer, so want to see if any of you know before-hand what I can do. My husband had a really good paying job and so do I and we managed to pay off 90K in five years. If we borrowed the money, I feel like we should pay back if we are physically and mentally able to work and pay off debt. Bankruptcy is not a way out for me, especially for something we CAN pay off in a few more years!

Technorati Tags: bankruptcy, brainwashing, few more years, good paying job, lawyer, lawyers, money, ruin

Here’s my situation. I graduated from college in December 05 and believe it or not, I have not found a full time, good paying job yet. Yeah, I believe I just wasted money and energy on nothing.

Anyways, I’m working a part time job and make approx 0 a month. I have ,000 in credit card debt, most of which I’m still paying from when I was in college 3 years ago (books, food, so on) I have ,000 in student loans, ,000 in medical bills, and it seems everytime i make a payment, it goes to waste because the interests keep rising. I even pay more than the minimum payment. If a credit card is lets say minimum, I will pay about 5, but it’s still not good enough cause the interests will raise that back.

I can’t keep going like this. My credit score is crappy so I can’t get a consolidation loan to pay all of it all.

Would I be able to file for bankruptcy? I have tried everything to get out of debts. I don’t charge anything to my credit cards any longer, but it is still that bad.

What should I do?

Technorati Tags: 3 years, bankruptcy, consolidation loan, credit card debt, credit cards, credit score, debts, full time, good paying job, medical bills, minimum payment, money, part time job, student loans

I had amassed at least ,000 in credit cards debts because I lost my job and could not find another job for 6 months. Now I am blessed to have a good paying job with a yearly salary of ,000. All of my debts are in collection. I had tried to pay the bank as much as I can but they still sent it to the collection agency when they realized I could not pay on time. Now, I want to be able to borrow money again so I want to fix my credit. I don’t know if I should start settling this with the collection agencies or should I just file for bankruptcy.

Technorati Tags: bankruptcy, collection agencies, credit cards, debts, good paying job, money, yearly salary

I am in over my head in debt. Every month I have to "borrow" at least 0 extra dollars just to pay my bills. My husband and I recently separated. He left me to take care of all the bills. Currently I am a 4th grade teacher and make about ,000 a year. Every debt is in my name (including a car that I got in my name for him, that he now refuses to pay for because someone else put another car in their name for him–his sister). He didn’t have a job at the time, so most of the major stuff that we have gotten was in my name when we got married.

I am probably about ,000 in debt with credit cards; ,000 in student loans; 00 in personal loans; ,000 in car payments (2 cars–1 is almost paid for).

I have no extra income other than the child support (5 a month for 2 small babies that I raise alone). I use the child support on them instead of on me or bills because that is what it is for.

Am I an idiot for trying to pay all these bills off monthly and have no money extra to buy groceries and gas???Should I just file bankruptcy?
I would love to open up my own family daycare but don’t know how to do it. I only want to keep 5-6 kids so that I won’t have to hire anyone and so that I can keep afloat.
I used those credit cards to pay bills and buy groceries and necessities because he would always cry "I’m broke!" and had a very good paying job. He never wanted to give money He told me I had to ask for it.

Yes I have two cars. No one will buy the new one ( a malibu maxx) because I am upside down in it and I want to keep the older one because it is a Camry and I will have paid it off in May of next year.

I live in Mississippi so that is all you get for two kids.

Technorati Tags: bankruptcy, camry, car payments, child support, credit cards, extra income, family daycare, good paying job, grade teacher, groceries, malibu maxx, mississippi, money, necessities, personal loans, small babies, student loans, two cars