then when they get the letter informing them of your filing, they harrass you by calling you in and telling you if you don’t dismiss it they are going to let you go, to the point that you quite. by telling you they are going to fire you etc. is this legal? or can this be considered harassment. this happened to someone close to me and i think it is horrible. they had an employee with a drinking problem and offered him rehab, but when my friend had financial problems like many people they harass and threaten him with termination. he worked for this bank six years in good standing. i think it is horrible but an curious as to what the law is. i am in kentucky.

Technorati Tags: harassment, six years

I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a
ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems,
but was able to work. I have always had to work
at being healthy. Have to keep my weight down.
I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care.
I have none.
Going to the state for help, ends up in my being
trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse.
I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents.

never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing.
I really did save 10,000 cash when I was younger,
no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious
job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises,
my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to
rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which
pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not
credit cards. My dps were cash, not credit cards.
I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor
and they said come on. No problem. More than one.
I have disposed of my pets, all but what I could mail,
and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due
to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change.
On unemployment. Kept my bills pd up for four months.
Cannot get work any where. I took a review online
before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse,
I cannot get any other kind of work. I take ACLS
Pals, at great expense. I take testing for college hours
My brain is working. The ACLS , Pals was like a good
BLS except I got to do the airway thingie, put one in.
We covered more meds. Open book. I did not use
my book for all that. This was expensive, credit.
I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work.
Finally, my money is gone. Credit gone. Creditors
know. they know I am not working. Do not terminate
my credit. I cannot get work. I cannot pay my bills.
I went to consumer credit.
Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not hurting myself.
I look about 15 yrs younger without this wt. I function very well. Devastated. I have given up my home,
spent all that money, now my health is slipping.
Told I do not have HIV. Then to show I am serious about working, I take the only two jobs I am offered.
Nothing like nursing in any way. Hurt me really bad, as if designed to inflict pain, injury. Have to qu
There is a a lot more of this question I asked posted under my name in the
section personal finance, this jeliminated a lot of details. What was done to me was criminal discrimination and harassment. Criminal. I have been injured mentally, and physically, and they do not intend for me to recover. I am not the criminal, I am the victim.
They would let me do nothing to try to regain my health, or help myself. Nor could I get a job in a hospital. Told to file bankruptcyh, chapter seven, lost cause. Denied the right. Told there is one bank ruptcy attorney here. Insulting my morals, character, intellect. Insulting my education, family, everything.
Threatening my children. Vile place. i have no where to go. Burned all bridges. Want to be near my kids.
My only daughter and her hb and five kids. Intended to stay here many many years if not my life. Promised I would
be able to get work by nursesw on the floor. I had the credentials, work history, education and a lot of valid experience.
I know my grammar, spelling, etc.
I simply am not going to correct this, why bother. It is truly a lost cause. I have
simply been written off for no reason except vile prejudice, lies, and fraud
committed against me. I did not deserve this. No one does. I did nothing at all to deserve this. I am truly not able to work . If I regained my health, I am too old now to do anything. I am devastated and I cannot pull out of this malicious sadistic thing they did to me. Live in this subsidized, not state, apt. It is horrible.
Exercise toward me in cruelty and avarice.

Technorati Tags: attitude adjustment, bankruptcy, blank checks, christian fundamentalist, creditor, creditors, dependents, diet health, dps, emp, harassment, health problems, job discrimination, major attitude, medication, mental illness, new furniture, symp, trashed, wks

I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a
ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems,
but was able to work. I have always had to work
at being healthy. Have to keep my weight down.
I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care.
I have no no health care. I am not going to proof read
or edit this.

I am sick to death of someone dragging up lies
on me and slandering me with things which were
grossly distorted, exaggerated, calling me things which are lies, and harassing and degrading me over things which never happened in the first place. I have
been battered four times by strangers due to people
lying on me.
Going to the state for help, ends up in my being
trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse.
I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents.

never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing.
I really did save 10,000 cash when I was younger,
no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious
job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises,
my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to
rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which
pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not
credit cards. My dps were cash, not credit cards.
I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor
and they said come on. No problem. More than one.
I have disposed of my pets, all but what I could mail,
and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due
to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change.
On unemployment. Kept my bills pd up for four months.
Cannot get work any where. I took a review online
before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse,
I cannot get any other kind of work. I take ACLS
Pals, at great expense. I take testing for college hours
My brain is working. The ACLS , Pals was like a good
BLS except I got to do the airway thingie, put one in.
We covered more meds. Open book. I did not use
my book for all that. This was expensive, credit.
I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work.
Finally, my money is gone. Credit gone. Creditors
know. they know I am not working. Do not terminate
my credit. I cannot get work. I cannot pay my bills.
I went to consumer credit.
Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not
That cut off the important part. I was denied work of any kind except two jobs which just about killed me phhysically.l My bills have increased. Emergency surgery. Rupturing appendix. I am screwed. Bank ruptcy recommended.
recommended chapter 7. Taken to court to pay abill of ten thou cash. I am ordered to pay. How? I am not able to work. I am sick, in pain now. No health care. Will not take payments. Paying over four hundred out of my very small survivors social sefurity. Attorney says she will fine bank ruptcy gets all info.Says I insulted her, returns my money and this other vicious lawyers et onto me. Sick for a week after going to court. threatening and intimidating me. Stalking, Tell me to suck off. Go whore it out.
Spastic colon worse Now the raynauds is going crazy. I am not leaving. No where to go. burned bridges. have gr kids here. now
addicted to them. They ae killing me for money. No help anywhere. What is the deal bkrptyc.Not gay or bi. No need to tell me I’m screwed
This has a lot of racial overtones. They will not let me know my genetic heritage. I need to know for my healths sake. I look extremly white. I am not as white as I look. Threatened over this. I have never ever mentioned anything about any sor tof thing to get preference in employment. Preference, Ha. I have always duked it out with evryone else, slugged it out on my own.v
Debt settlement is no solution. I have rent. which a hunk. My electricity bill just doubled last month. Rent and electric is a hunk of my check, medical is a big hunk, My rent just went up, and will go up again. Any increase in income increases rent. I am paying over a third, sometimes half of my income for medical. I still do not get to see a doctor every time I need to do so. i just received myh SS check. I have paid my bills and I have 3 left for car gas,
for groceries for a month. I have not bought gro. I bought some extra stuff
for something unexpected that came up.
that 173 is for Christmas dinner, groceries, evrything, soap, etc.
This is merciless, cruel, sick. It really is an attempt to make things so hard on me I will die, kill myself, or leave. I am not suicidal. I have no where to go.
What is left. Bankruptcy is the only solution. They will not let me. There is something more involved here.
I notice that Raul has no return email. What an unusual name, same as the
merciless attorney.
I do not owe 100.000. I may owe now about 50,000 /60. I had about thirty or fourty thou on there for the emergency surgery. They wrote some off. I have paid some off.Much of that is finance
charges. Much of it was medical, much of it was trying to get work, and expense of education trying to get work. As I said my creditors kept extneding credit even when they knew I was off. I had such good work credentials. Had
I not htought i had work security I would never have made any bills.
I am not a sneak or theif. My kids have absolutely no part in my problems. I am the victim here, not the perp. I have absolutely no reason, none, to be defensive or afraid because I am totally absolutely not guilty of any scheming or plotting or collusions to do anything dishonest. Nothing. I came on top of the world thinking this place was not prejudiced. Ha. I came thinking I would be treated as a human being. New life.
Chance to have some happiness which I have not had since 1985. Delusion.
Lied to. Victimized all over again. No.
I do not like being a victim, but there is no word for it. I do not like some one
in authority here trying to make it look like I have had "special" privileges.That is a blatant blatant horrible lie. Special abuse and discrimination is what I have had. This place is vilely prejudiced.
The means test said It was a lost cause. i had so much debt. I cannot get an attorney. I am told the one I allegedly offended is the only one. I was 58 when I came here. They way I have been done means work is now out. I will be fortunate indeed if I do not die from this.
I wouldhave had my BSN by age 60, and then my MSN by 62. Of course all this is out. It was all planned, my educaiton, and I could have done it.
I am a hard worker, and I was dedicated to what I was going to do.
I would have then been able to work less hours making more money and work into my seventies and never have to go through this degrading loss of dignity, resources, loss of education. It is as if I stepped into a hornets nest of hatred poverty and personal grudges against me. It is not fair. It has been devastating. Now there is nothoing ahead but stark years of poverty. I am not close to my relatives, there is no going back or forward. Pure viciousness. Nothing mor eor less.
Looks so unprejudiced to visit
People in health care work longer than others. Lillian Carter was waorking in the peace corp into her seventies.
I was not going into the peace corp.
I also was not going to be a missionary.
Everything wa splanned. feasable, doable. I did not count on someones hating me enough to sabotage everyting. Not my kids doing it. I do not want to hurt them.Thought i was a person in my own right.
My children did not do this to me.
They are innocent of this. They are also
not responsible for me. This was preplanned sadistic maliciousness, and I am not paranoid. Tnhey did not mean for me to survive this. This discrimination, hate crimes against me, has gone on for a long long time.
I can spell, type, use good grammar, punctuation, etc. Why bother. What is the use. It is all pointless. Don’t holler
depression, etc.
I’ve not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life.
Never used drugs for wt control, ever.
Never had a major mental illness.
Never lost my license, ever. This is the
God’s truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed.
Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I’m ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwanted
I’ve not filed a lawsuit anywhereNever had an attorney to represent me but for divorce. Only divorce. Never consulted an attorney b4 here re bankruptcy. I never received anything for consulting an attorney but divorce. Screwed there. I never sued for a job, license, nothing. Never committed crime that would put me in jail a day.unless they grossly lied. Never used illegal drugs in my life.
Never used drugs for wt control, ever.
Never had a major mental illness.
Never lost my license, ever. This is the
God’s truth. Did not cheat on my husband. He said he had a girlfriend. i did divorce him, I did not have a boyfriend. i wanted to get on with life asap. remarry. Could not. Slandered, defamed.
Their m.o. is if I say I am slandered, life is over. If I go outside, then I was not slandered. Must never set foot outside the house, not embarrassed enough. Same goes for disability,I’m ill, in pain, hurting.I am not to go outside,just buy gro. I am a total outcast, exiled, unwanted
I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it.
I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.
I have no intentions of working in any live in situations nor working for anything that requires I travel. I cannot do it.
I am not able to work right now, and I cannot get well due to the way I am treated. I hate this stinking apt. But it beats the street, it beats the shacks out on the hjighway. I have no reason, whatsoever, and never did to be guilt riddenl I reject all of that rot.

Technorati Tags: authorities, bankruptcy, blank checks, christian fundamentalist, creditor, creditors, dependents, diet health, dps, full time, harassment, health care, health problems, job discrimination, medication, mental illness, new furniture, sick to death, symp, trashed

I have talked with an attorney about bankruptcy but cant afford the fees . I am tired of the harassment from creditors .

Technorati Tags: bankruptcy, creditors, harassment

I live in Florida and have spoken with a Bankruptcy lawyer about my situation. I had excellent credit prior to a house I had up for sale being on the market for 6 months and tried to sustain two mortgages plus expenses on both houses and a lot of credit card debt, mostly used to fix up both houses.

It’s been since March 2007 that I made my last credit card payments. I took all of the 00 I received as a tax refund and paid it on 5 different cards.
I called the credit card companies and tried to set up a payment plan of some sort because I was drowning. NONE of the 5 would and acted really crappy when asked. The phone calls also bordered on harassment.
So, eating ramen noodles and peanut butter started pissing me off. If they didn’t want to work with me, then I wouldn’t work with them.
I changed my telephone number and stopped paying them.

After speaking with an attorney early this year, he stated that unless I was faced with court papers to appear, to stave off filing for bankruptcy. If I did file, it would be for Chapter 13 he stated.

I wanted a second opinion so here I am. My questions are…

If I do not file, the statue of limitations runs out in less than 2.5 years for the state of Florida. If I am not served a summons, after the SOL runs out, can they still serve me with papers?

If there is no summons or judgment, will the charge off debts stay on my record for 7 years from the last time I paid the credit card company? Or when the debt was sold to a collection agency which I think is usually a year afterwards (they all have been sold).

If the debt is sold again to another collection agency, does my time start over?

On my credit record, will there be an entry for the credit card company debt AND the collection agency?

I simply want to know when the credit card company debt and charge offs will drop from my record if I do not pay them.

Thanks for any help you can provide…

Technorati Tags: bankruptcy lawyer, chapter 13, charge offs, company debt, credit card debt, credit card payments, debts, filing for bankruptcy, harassment, judgment, last time, mortgages, peanut butter, ramen noodles, second opinion, sol, statue of limitations, summons, tax refund, telephone number

I live in Florida and have spoken with a Bankruptcy lawyer about my situation. I had excellent credit prior to a house I had up for sale being on the market for 6 months and tried to sustain two mortgages plus expenses on both houses and a lot of credit card debt, mostly used to fix up both houses.

It’s been since March 2007 that I made my last credit card payments. I took all of the 00 I received as a tax refund and paid it on 5 different cards.
I called the credit card companies and tried to set up a payment plan of some sort because I was drowning. NONE of the 5 would and acted really crappy when asked. The phone calls also bordered on harassment.
So, eating ramen noodles and peanut butter started pissing me off. If they didn’t want to work with me, then I wouldn’t work with them.
I changed my telephone number and stopped paying them.

After speaking with an attorney early this year, he stated that unless I was faced with court papers to appear, to stave off filing for bankruptcy. If I did file, it would be for Chapter 13 he stated.

I wanted a second opinion so here I am. My questions are…

If I do not file, the statue of limitations runs out in less than 2.5 years for the state of Florida. If I am not served a summons, after the SOL runs out, can they still serve me with papers?

If there is no summons or judgment, will the charge off debts stay on my record for 7 years from the last time I paid the credit card company? Or when the debt was sold to a collection agency which I think is usually a year afterwards (they all have been sold).

If the debt is sold again to another collection agency, does my time start over?

On my credit record, will there be an entry for the credit card company debt AND the collection agency?

I simply want to know when the credit card company debt and charge offs will drop from my record if I do not pay them.

Thanks for any help you can provide…
The SOL is 4 years, it will run out in 2.5 years since my last payment is what I was referring to.

Technorati Tags: bankruptcy lawyer, chapter 13, charge offs, company debt, credit card debt, credit card payments, debts, filing for bankruptcy, harassment, judgment, last time, mortgages, peanut butter, ramen noodles, second opinion, sol, statue of limitations, summons, tax refund, telephone number

I have about ,000 in credit card debt. I don’t have any income or assets of any kind (unless you count clothes–I’m living with my parents and borrow their car if I need to). The credit cards have been slowly going into default ever since I lost my job two years ago and now I haven’t been able to make any kind of payments for about 9mos, so they’ve all gone into collection. I won’t be working again for at least a year or two. I’m sick of all the harassment from the CC companies, and also am concerned about them taking all the money I make when I’m eventually able to return to work.

But I’m concerned because a) I can’t make payments of any kind on a bankruptcy settlement and b) I could only afford maybe a few hundred dollars for lawyer fees and everything.

Should I file for bankruptcy or just ignore the debt? Will they take all the money I make when I’m finally able to return to work if I don’t declare bankruptcy?

Technorati Tags: assets, clothes, credit card debt, credit cards, harassment, job, lawyer fees, money, parents, should i file for bankruptcy

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

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?

Technorati Tags: bankruptcy attorney, bankruptcy lawyer, chapter 7 bankruptcy, creditors, filing chapter 7, filing chapter 7 bankruptcy, harassment, lawyer info

So I have a small amount of credit card debt…but it’s still there and I have also been informed I could get rid of my private student loan debts by filing bankruptcy. I just wonder how easy or difficult it might be to file a chapter 7 when all I receive is SSDI, I don’t have a job, and I don’t have any assets. I attend college…and only just as long as I keep receiving grants for it…the grants stop, I’m out of school because I can’t afford it. I’m also single, 23 years old and paying rent and other bills with the SSDI…such as car insurance to be able to drive my friend’s car, my cell phone bill which I keep so people can get in touch with me, and then I have medication to buy as well as school textbooks every so often when the grant doesn’t give me enough to supplement for books. Also…if I didn’t keep loosing jobs due to my poor health, than I would repay most of this debt…so please…no harassment from people.

Technorati Tags: 23 years, assets, car insurance, cell phone bill, chapter 7, credit card debt, debts, filing bankruptcy, grants, harassment, insurance, job, jobs, medication, poor health, private student, school textbooks, ssdi, student loan

believe it or not, i just cannot find any job. I have hunted for job a lot but there is no luck. Now i’m being frustrated by creditors who call 40 times a day. So to get rid of such harassment, i decided to file bankruptcy protection.

What will be the consequence of filing bankruptcy?

Technorati Tags: bankruptcy protection, consequence, creditors, filing bankruptcy, harassment, job