I am 26 years old. I have made a few mistakes in my life. But when I was pregnant with my son, I was in and out of the hospital a lot. I racked up some severely expensive hospital bills, among other things, and I got over my head in bills. This all happened before I was 21. My husband and I decided that bankruptcy was our only option. I am a lot more mature now and I would like to get back to working at a bank. Banking is what I know best because I worked previously for a bank. I loved it. I just want to know why I can’t get a second chance. I’m not a theif and I don’t have a criminal record. I am a church going person and would do anything for anyone. I just needed help and bankruptcy did that for me. I just wanted someone else’s perspective on this.

Technorati Tags: bankruptcy, criminal record, hospital bills, perspective, second chance, theif

I have a little over ,000 in credit card debt between my husband and myself on six different cards. Of those cards all of them are above 20% interest rates. The highest balance is 00. 8 ½ years ago I had to file for bankruptcy before I married my husband because of a car I was duped (very long story and this was the only thing I filed) into signing for, thus I cannot file bankruptcy. We also have 00 in hospital bills we have accumulated in the last year we are paying on sporadically when I can make payments. They were 00. I am about to have a baby in July, which means I will be on maternity leave for two months with a reduced income. We are having problems making payments on our bills now because we are overwhelmed. Prior to, financially we were doing ok, but we had some unexpected expenses come up and we previously had gotten lots of overtime at both our jobs which has been cut due to the economy. I just obtained 00 from a family member I do not have to pay back and I am having a hard time deciding where to put this money towards. A few of the doctor bills have threatened to send us to collections even though I am making payments when I can. I figure credit cards are best to put the money towards because of fees, credit report problems and interest. I have only been about 10 days late on one of the 6 cards and maybe 16 days late on another one, thus none of them show up late on my credit report. I manage to make payments, but barely. Late fees have been racking up though because I may pay a week late here and there on those two. Here are my primary questions after hearing my story…

1) Should I try to negotiate lowering my debt on the credit cards and doctor bills so I can get them paid off although I am not really showing up late on my credit report? Will they work with me if I am going to pay off the balance? I figure it is pointless to negotiate interest rates if my point is to pay it off…
2) Should I pay off the highest balance of 00, which also happens to have the highest interest rate and then put the rest towards doctor bills or the next higher interest rate card, which the balance is more than what will be left over? Or, should I put the left over money towards paying off the lower credit card amounts and the 00?
3) I have read that if I negotiate lowering my pay off amount with credit card companies then it will affect my credit and this is what I am worried about primarily. Has anyone had any experience with this?
Thank you ahead of time!!

Technorati Tags: 8 years, bankruptcy, collections, credit card debt, credit cards, credit report problems, doctor bills, economy, family member, hard time, hospital bills, interest rates, jobs, late fees, maternity, money, overtime, story 1, unexpected expenses

My live-in-fiance has HORRIBLE credit, & as of right now we are renting & financing 2 cars. Everthing including credit cards & cell phone contracts are under my name, eventually we want to buy a house, but either way we need to fix his credit. Alot of the debt is unpaid hospital bills (was unemplyed for 8 mnths & in those months he got very ill & no ins.) and some of the debt are from when he was younger & abused credit cards.
He owes a bank 0 & now cant even get a back account under his name.
I would say 1/2 of his debt is from 8yrs ago & the other 1/2 (hospital bills) are current.
My question is should he try to consolidate the debt or just file for bankruptcy. His medical bills are about ,000 alone. Misc debt is about ,000.

Technorati Tags: alot, amp, bankruptcy, cars, cell phone, contracts, credit cards, fiance, hospital bills, ins, medical bills

My husband received a bill the other day in the mail for 2 hospital bills from 2002 and 2003. They were before our bankruptcy and we didn’t file these as main creditors on our bankruptcy. Can they legally try to collect on these two things or are all things covered once our bankruptcy was filed? Thanks for any info.

Technorati Tags: bankruptcy, creditors, hospital bills, mail

ok so i looked on my credit report and i seen that i have alot of debt heres what i owe
30,000 in hospital bills when i had my daughter
700 in cc debt not that bad
3,000 for a repo car
2,000 in other debts
so i owe a little over 35,000
and i dont have a job i`ve been looking for ANY job even fastfood jobs but nobody is hiring
my husband makes only 1,500 a mo
all of our bills come up to about 1,200 a mo thats without car gas and food so that only leaves us about 300 for food and gas !
i really want to pay off my debts but i cant and they keep going up should i file bankruptcy and what would that do to my credit does it ever go off my credit

we live in a kinda small town not to meny jobs i put a profile up on care.com and sittercity.com my husband did have a second job for about 5 mos but got fired because it was slow we thought about moving but we dont have the money to move and we have cell phones no land line we just we only pay about 60 a mo for cable and internet i`ve been useing the inter net to try and find jobs out of town so i dont want to get rid of my internet
we never get to spend money on clothes forour selfs we do for our daughter we dont go out to eat we always eat at home which gets boring
i even beged for my old job back at walmart were i worked for 3 yrs

Technorati Tags: car gas, cell phones, clothes, credit report, debts, gas and food, hospital bills, jobs, money, old job, second job, selfs, should I file bankruptcy, walmart

All my negative credit is from hospital bills. My car and the only credit card that I have ever had are all in perfect credit.
So is it worth it to file a chapter 7 bankruptcy? The hospital bills total over 0,000.

Technorati Tags: chapter 7 bankruptcy, credit card, hospital bills

Here is the situation. The couple just got married almost a year ago, both have horrible credit. The wife’s is due to not having insurance and has had major health concerns and piled hospital bills for the past 2 years. Also 2 credit card debts from years ago that equal no more than 3,000 owed on them.As well as a recent accident that has gone to collection in the claim amnt of approx 8,000. The husbands is from misc. small hospital bills( say no more than 2,500) , outstanding cable bill 600, repo’d car approx 7,000, cell phone close to 1600.. so im probably figuring a little high with the 25,000.. but lets just say 25,000. They don’t own a house , currently renting, The husband is active duty ARMY, she is doing online courses and doesn’t work. Their vehicles are paid outright, do not owe for them at all. And have no credit cards in their name . What would you advise??

Technorati Tags: amnt, cable bill, cell phone, credit card debts, credit cards, duty army, hospital bills, insurance, major health concerns, repo

I make about k a year
oops I have grand in debt lol
also most of it is NOT credit card debt but hospital bills and LOTS of tiny things

Technorati Tags: credit card debt, hospital bills, tiny things

I make about k a year
mostly hospital bills and lots of small things, phone bills stuff like that. This debt is from years ago and my credit has always been so bad that I havent been able to get credit cards. I feel like I have always been bankrupt.

Technorati Tags: credit cards, hospital bills, phone bills

i do not, nor have i ever, used credit cards. i do not use a bank. my husband has been out of work since november. he can not find anything that would support us and our two small children. we have hospital bills, outstanding power bills, cable bills, we have almost 16,000 worth of his student loans for college that he didn’t ge to finish b/c he ran out of money and had to drop out. i got 2 tickets last month for not having insurance or a tag (it was at a mandatory checkpoint). i cant count all of our bills. he had a great job lined up to start on monday and we got a letter in the mail yesterday saying that his job offer has been withdrawn b/c of a bad driving record (2 tickets in the last 4 years). our tax refund, which would have been almost 6000 was taken from us by the dept. of education for his student loan. it would have gotten us back on our feet until he got a job. what do we do? i’m so depressed. we need help. we have food stamps and F.A. 5 per month – any advice would help
we have been relying on my family’s help for rent and power payments…but their help and support is running out…i honestly dont know what to do.

Technorati Tags: cable bills, checkpoint, credit cards, dept of education, food stamps, hospital bills, insurance, job offer, letter in the mail, money, power bills, student loan, student loans, tax refund

I recently had an unwilling job change with my company and took a ,000 a year pay cut. I can’t even afford to eat. I have three credit cards, a computer that’s financed and about 00 in hospital bills. My car payment is 0 a month. Yah, I know but I could afford it a year and a half ago. Should I file bankruptcy or try to take out a personal loan to pay everything off and get caught up. My car is about to get repossessed unless I voluntarily surreder it. Who knows best?

Technorati Tags: car payment, credit cards, hospital bills, job, personal loan, should I file bankruptcy

You have signed an autoloan of ,500
It was actually for a car that was at a big time scam car rental place , so the car appraised for less than ,000
and no dealer would take it as a trade in.
If the auto finance place wants to do a writ of execution, can they do this after bankruptcy, and what exactly is involved in doing a bankruptcy yourself ?

Do you just file lawsuits for each debtor and see if they show up or what is the procedure?

The fact that the car did not run the whole time the person had it, and the person put so much $ into it to try to get it running in addition to the monthly payments for the car along with hospital bills has lead someone to want to declare bankruptcy,
*CORRECTION- NOT "CAR RENTAL" place, but "CAR DEALERSHIP" excuse me
If our car was repossessed can this stay on your credit after bakruptcy

Technorati Tags: auto finance, autoloan, bankruptcy, big time, car dealership, debtor, hospital bills, lawsuits, whole time, writ of execution

I am totally swamped with letters from creditors and attorneys about my hospital bills and other bills i cannot pay.. i was wondering if anyone could help me and tell me any good place to go to file bankruptcy online or tell me the steps i should take to file bankruptcy and how much it will cost??

Technorati Tags: attorneys, bankruptcy, creditors, hospital bills