While my husband was not working due to medical reasons,I did something I said I never wanted to do. We have two school age children at home,money was a real problem for us for about two years. I reluctently took on using credit cards for groceries,clothing and Christmas for the children. My husband was denied disability benefits and bills in the meantime got way out of control. even with the income he has now,the mortgage,electric,insurance,etc. eat up every thing he gets.I am only able to work a parttime low wage job in my area.The cards are all in my name and there doesn’t seem to be any other way out.Is there someone out there who can help me online to find the help I need?

Technorati Tags: christmas, disability benefits, electric insurance, groceries, home money, insurance, medical reasons, school age children, using credit cards, wage job

when me and my wife were 15 we got married had a baby i didnt have a job nor did she so hospitol bills piled up we nerver payed on them either since we were so young again at 18 we had another child with no insurance and didnt pay any payments just couldnt afford it at the time now that were 28 yrs old we have good jobs but 470 credit score 30 judgements and 13 unpaid collections my wife does have 3 good standings on hers and also 30 judgements should we try to clear our ,000.00 in hospitol bills or file for bankruptcy..were not sure which will help us more……please help

Technorati Tags: bankruptcy, collections, credit score, insurance, job, jobs, judgements

When we broke up she took me to court. My lawyer said there was no way that the judge was going to do shared custody even though the mother had mental problem and was an inpatient for two weeks during our breakup. The court then ordered me to pay 700 a month which I cant affordl. I was looking into bankruptcy before she and I broke up so but was told it wouldnt help because most of my debt in not dissovable? Her aunt works in the child support collections office and they already filed on me after two months with out giving me a chance to figure things out. During our breakup it was suggested to me by my supervisor that I put in my resignition because I was on my final warning so I did. I have yet to find another full time job. So far I am working in between two part time jobs and am looking for a third. I need this 700 a month reduced to something more managable until I get on top again and dont know what to do. I have been giving her 0 a month so far but know I need to give her more than that. I get my baby 11 to 12 days every month and she gets her the other 18-20 days a month so I take care of her a third of the time. I love her and want whats best for her and the best of things for her and her mother but she has to eat when she is by my house to and they are not making it financially possible for me. They did they support calculations assuming the mother has to make zero dollars and calculted it on a year when the company I was working for was severly understaffed and I worked lots of overtime ever month and nighttime shifts and weekend shifts. They also calculated before taxes and deductions were taken out of my check so the number they used to calculate the payment was about 35% higher then the amount that I actually take home after deducting state,federal, medicare, fica, and what ever else the payroll department comes up with. They also was taking out medical insurance and cafeteria food used for work. The courts also dont even care about how much it cost to continue to work such as car insurance, car notes, and food for the day. How do they expect you to work if you cant afford to get there and back? This is all to crazy and doesnt seem fair, I know thats my babys best interest isnt the court system running me into the ground until I cant do anything for her, ruining my credit until I cant get any loans, and losing my car and insurance because i cant afford to pay them. I know I have to eventually file for a reduction but I am not sure they will give it to me any more because I put in my resigination rather than let them fire me. Everyone said I should have let them fire me and collect unemployment but I told them you dont get unemployment if you get fired for showing up late or calling in sick. They then say well you should have been on time and not called in sick. I say it was a very hard time in my life, I was breaking up with the mother of my child and a woman I loved more than life itself and didnt know what to do. They then say you should have filed for custody when she was in the psyhc ward, and I say I didnt because I couldnt do that to her I just couldnt do it because I still loved her. Then they say you are stupid and theres nothing you can do now. I need help, some advice, someone on my side to see that all I want is a chance to be in my daughters life and a chance to make things better for my daughter than they were in my life. Once again running me into the ground I seriously do not believe is going to make that happen.

Help…

Technorati Tags: bankruptcy, cafeteria food, child support collections, collections office, federal medicare, fica, final warning, full time job, insurance, lawyer, medical insurance, medicare, overtime, part time jobs, payroll department, resignition, supervisor, weekend shifts, zero dollars

In a week I will be done paying my att. fees and will be able to actually file for bankruptcy. I am not unemployeed, but have been out on sick leave. My last paycheck was collected on 8/11/06 and this was a check for cashing out my sick time and all of my current and future vacation time. My Dr. has sent in the proper documentation required by my employer to excuse my absence. I am currently excused through the end of this year, but I will need to go in to be reevaluated to see if I should return to work. I have applied for LTD since I am eligible, but I had to wait to until the ‘waiting period’ was over. It so happens that the paperwork for my LTD is now being processed at the same time when I will file for bankruptcy and I do not know if the LTD papers will be done in time or if my claim will be accepted. With me not working and this LTD claim status unknown, how will this affect my filing? Is it possible I may still have to file a Ch.13? My att. has not yet replied to this. ADVICE??
My LTD would be provided through my employer. If approved it would provide me with some income and allow me to keep my health insurance. If I am denied I will continue to go on with no insurance and I will not know how long it will be before (or if) I am able to return to work for the company of which I am currently employed. I am not physically disabled or injured. I will be happy to answer any questions if it will help to clarify/answer my bankruptcy concerns. PLEASE — SERIOUS RESPONSES ONLY!!! Thank You!!!

Technorati Tags: absence, bankruptcy, health insurance, insurance, ltd claim, paperwork, paycheck, proper documentation, sick time, vacation time, waiting period

I was laid off in August of 2009. I still have not secured employment. I had stellar credit until October of 2009 when all my savings were depleted to keep up with my bills. I have over 5,000 in credit card debt as the late fees etc. have been adding up monthly. My credit score was at 720 before October of 09. I’m guessing it is now in the 400’s. No payments have been made on any of my credit cards since October 09. Should I file bankruptcy or just keep postponing any payments until I secure employment? I feel that my credit is ruined for life anyways, so why bother stressing out and paying it off. I’m confused as to what to do. Thanks.
Also, I took the time to write and mail letters to each of my credit cards companies three months "prior" to even knowing I would be laid off. I had requested that they drop the interest rate to 0% so that I could get them all paid off. They ALL declined. It wasn’t until 90 days after each of my payments were due that they contacted me and at THAT POINT wanted to work something out. I was enraged to say the least. I thought…"Now that you’ve destroyed my credit, you want to work something out". Again, I was livid. Had they just done that when I asked, I probably wouldn’t have gotten into more of a mess. I feel now that had they settled for 0 percent interest, they would at least be getting most of their money back, now it looks like they won’t be getting any. Part of me feels bad, but part doesn’t. Also, do I pay taxes here in CA on the released debt through bankruptcy? Because I don’t even have money to do that. Yikes.
One of the responses said I should have filed bankruptcy a year ago, but a friend advised me not to due to my ongoing health problems. Had I filed and needed hospitalization, etc. I would not have been able to add that debt for another 10 years. I have no medical nor dental insurance because it’s so expensive. As far as living beyond my means, a huge portion of my debt is medical and dental charges. Please don’t assume people are careless who get to this point. I had to charge alot just to survive.

Technorati Tags: 10 years, credit card debt, credit cards companies, credit score, dental insurance, health problems, hospitalization, insurance, interest rate, late fees, money, should I file bankruptcy, three months, yikes

Income is steady (same employer for 3 years) and sufficient to handle a reasonable mortgage…had insurance when the medical bills occured (serious health issue)…will a lender overlook or should I file bankruptcy and wait it out?

Technorati Tags: 3 years, health issue, insurance, medical bills, mortgage, serious health, should I file bankruptcy

The creditor filed judgment against me on my credit for medical bill, that was from my ex -wife. I was being nice and stupid, she was still under my insurance coverage even we were separated, I had no idea where was she, all of sudden there was medical bill on my credit. I filed divorce on the news paper because I couldn’t find her. I am still not able to pay this money, I am thinking about filing bankruptcy… How can I do it?

Technorati Tags: creditor, divorce, filing bankruptcy, insurance, insurance coverage, judgment against, medical bill, money, news paper

What do you do to fix your life when you’ve had to file bankruptcy, a teen turns to heroine and steals everything (but is 26 now-living away)– too little too late now – all gone, you lose your home after cancer, you’re working very hard, you owe a lot of money to a lot of people, your cars keep breaking down, you owe the IRS, you have no health insurance, you lose your job (lay-off) and can’t pay car insurance, car insurance lapses and then you can’t get new insurance because it costs MORE because you "let it" lapse, you can’t get ahead because bad bad things keep happening – for years and years and years (not a new thing), you are feeling helpless and hopeless. There’s no help out there because of course you "make too much money" for assistance. No family to help (you don’t want to take from anyone anyway) and you are afraid to wake up every morning? Plus you have a wonderful teen who deserves the WORLD and he’s gone without for many years himself because of everything?
Added after reading answers
1. I am a female
2. I am not the drug addict – my son was. There was a lot of advice about 12 step programs and don’t do drugs. THAT ISN’T MY PROBLEM. I’m NOT asking because I’m feeling sorry for myself. I’m explaining HOW THINGS GOT BAD and wondering how I can get out is all. "Twiddle your thumbs and feel bad for those without thumbs?" First of all, I’ve been one to give my last dollar to a hungry man on a street. The answers I was looking for were some positive real answers from possibly someone with background in this type of thing. I’m looking for real answers – not for you to feel sorry for me. The praying part IS A GOOD ANSWER – and hearing others stories help too (thank you). But the rest of you, if you are going to answer the question, read the question.

Technorati Tags: 12 step programs, bad bad things, bankruptcy, cancer, car insurance, cars, drug addict, drugs, good answer, health insurance, heroine, hungry man, insurance, insurance car, irs, job, lapses, last dollar, much money, new insurance

Can you choose not to include a repo in it since the car was initially meant for someone else and you already told the bank about this in the beginning when you told them to repo it? And I see that they say not to get anything on credit 6 months before you file… is that 6 months before you file or 6 months before you start the process? I just got two cars in August 2008 so should I wait 6 months before I start the process? There’s no way possible I can even keep ONE of the cars because my monthly insurance payment IS a car payment. A few questions about fraud… will I be charged by the bank? If I make payments on the repo can I still get charged? Can I or should I bring the dealership into it since they did it? I really did not know it was fraud. I know I will still owe them but I want to make sure those lying bastards get theirs, too. I just want to make sure that I can file bankruptcy on the other car. I can deal with paying the repo on the other car by not being able to include it.
Trust me my credit is horrible! Not a problem.

My recent car purchases in August 2008, yes this year, is why I NEED to file bankruptcy.

I was ignorant of how things worked and I had one pulled over me, I admit.

I am like… ,000 in debt.

All in car debt! I only have one past due credit card.
So my question is

Should I wait 6 months from the date I bought the vehicles?

Because it is not fraud… I lost my job and simply can not pay!
I don’t have a degree or any in demand skills so there is no way possible I could afford to pay 00 a months in bills.

I don’t even MAKE 00 a month, gross!

Technorati Tags: bankruptcy, bastards, car payment, car purchases, credit card, fraud, insurance, insurance payment, job, repo, two cars

That’s why I think everyone should have health insurance..I work at a hospital and believe me, we all pay when people don’t have insurance!

Technorati Tags: health insurance, insurance

I am being sued for 16000 by an insurance company and my layer says the best thing to do it to file bankruptcy. What will happen to my truck that I bought last year and still owe money on?
I am currently a single mom, going to school full time with one major and two minors. I work at school(workstudy) and have a very very part time weekend job that only pays 7 bucks an hour. I don’t have family to ask for help and don’t qualify for any legal aid. I also don’t think I am resposnible for the medical bills I am being sued for because when I was in the accident, I was bringing my company’s daily deposit to the bank and was still on the clock. My employer refused to pay so now they are coming after me.

Technorati Tags: bankruptcy, clock, full time, insurance, insurance company, legal aid, medical bills, money, part time, single mom, time weekend, weekend job, workstudy

It’s really bad, and it’s not from me being irresponsible. But I was diagnosed with a heart condition when I was 20, and didn’t have health insurance. I was hospitalized a lot, and raked up some health bills. And yea, I will admit….after my credit was already tarnished and I knew I would have to file bankruptcy, I started to not care anymore. I have about 30 thousand dollars in bad credit…and I dont know where to start. Is bankruptcy the only option I have? My husband is army and I am a stay at home mom…although I will start working again once he deploys. Anybody have any advice for me…or any numbers I can call?

Technorati Tags: army, bad credit, bankruptcy, health bills, health insurance, heart condition, insurance, stay at home, stay at home mom, thousand dollars

A few years ago, about the year 2006, I had a car accident. My insurance was canceled because they didn’t get the payment on time. I hit one SUV and got hit by a diesel truck. I had my drivers license taken away because of that. I was supposed to get my license back a year later when it was suspended again. This time there was a judgment for me to pay ,000 for damages to the SUV that i hit. I didn’t get a letter saying i need to appear in court, and by the time i got the letter saying i need to pay the fine, it was too late to repeal it. I can not get my license back until i pay that fine. Will I be able to file bankruptcy to write it off and get my license reinstated or do i have to pay the ,000?

Technorati Tags: bankruptcy, car accident, damages, diesel truck, insurance, judgment

I was rear ended by another driver and my case has not been settled even though about 18 months have gone by. The other driver admitted fault, I had physical therapy and back injections and still have pain plus trouble with regular bowel movements (I suffered two badly herniated discs, an annular fissure, and sprained neck). My lawyer had me come in to his office, he said to make a statement, but when I got there, he told me my case was being investigated for fraud. Since then, the other driver’s insurance company has only offered me 10k to settle the case and my medical bills are over 120k. First, how did my lawyer mess up what should have been an easily winnable case? Second, I’ve had to sign away 40% of my settlement to the lawyer that messed up my case, plus 50% of my settlement to the new lawyer I hired, so I don’t know if I will have enough to pay my medical bills, should I prepare to file bankruptcy?

Technorati Tags: annular fissure, bankruptcy, bowel movements, fraud, insurance, insurance company, lawyer, medical bills, physical therapy

I’m in California, I bought the house in July 2005, REFINANCED in July 2006 then stop paying in February 2007 because my mom passed away and I couldn’t afford the payment, insurance and taxes all by myself. My house is now foreclosed. The bank took possession on October 2006. Countrywide continues to send me statement on the HELOC. Does this means that I still have to pay for the HELOC?? I didn’t even take any money from it. It was used to pay for the rest of my original loan when I refinanced. Can I file bankruptcy particulary chapter 7 for the HELOC??
NO! My mother is not on the mortgage. She helped me with it because I bought it for her… she couldn’t qualify.
I meant to say "NO! My mother WAS not on the mortgage. She helped me with it because I bought it for her… she didn’t qualify."

Technorati Tags: bankruptcy, chapter 7, heloc, insurance, mom, money, mortgage, possession

In 2001 I started a job. On the day my insurance kicked in I had to have emergency gall bladder surgery. I gave the hospital all the information I had, when I got the bill (upward of ten thousand dollars) I contacted them yet again and gave them the information. This went on for years. I have disputed these charges over and over and yet I can’t get any relief. That is the largest debt I have. I also have a judgment against me for 00 – the woman who has this judgment against me is not really open to working with me to say the least. Should I send her payments regardless and try to dispute this hospital bill -still- or should I file a Chapter 7? Any advice is appreciated.

Technorati Tags: chapter 7, gall bladder, gall bladder surgery, insurance, job, judgment against, ten thousand, thousand dollars

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 have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.

I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.

Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?

Technorati Tags: bankruptcy forms, bankruptcy protection, bottom line, court hearing, doctors, hasn, health insurance, insurance, insurance company, litigation, medical bills, six months, subpoena, wages

I am in my last year of law school, still searching for a post-graduation job. When my parents filed for bankruptcy, they were allowed to stop paying on their home morgage (around 00 a month) under the Bankruptcy Code. This "automatic stay" has been in place since my dad filed, a total of 6 months. Hence, for 6 months my parents have been living in their house that is about to be foreclosed by the bankruptcy courts without paying a morgage. You think they would have saved money for moving right? NOPE. They don’t have a dime!
I am a LOT wiser with my money. I have a 00 mutual fund account, over 00 in savings, 2 jobs in which I place "extra" money in money market account.
They have paid my car note and insurance ever since I have been in law school. I feel that I should help them with their down payment on their new house but I am scared because they are not financially responsible and I need that money to pay for bar dues, bar classes, the bar itself, moving expenses, etc.

Technorati Tags: bankruptcy code, bankruptcy courts, dad, insurance, job, jobs, law school, money market account, moving expenses, mutual fund account, parents, post graduation

I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.

I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.

Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?

Technorati Tags: bankruptcy forms, bankruptcy protection, bottom line, court hearing, doctors, hasn, health insurance, insurance, insurance company, litigation, medical bills, six months, subpoena, wages