According to statistics on the www.uscourts.gov website, bankruptcy filings have increased substantially since 2009. Yet, when I look for bankruptcy attorney jobs online, they are virtually non-existent. Why is this?
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?
I have been married almost 3 years. I have 2 children under 2 yrs old. My husband has a pill problem and is a thief. He has stolen my money so many times I have had to file bankruptcy. I can’t have credit cards, a checking account, or anything. My husband always begs me to come back and I do because I love him. Earlier this year, he stole the last 0 I had and bought pills and wrecked my car. We couldn’t even pay the utilities on our house. (well, I couldn’t pay them, my husband doesn’t have a job.) So he moved in with his dad and I moved in with mine. Recently after we moved in with our dads, I found out I was pregnant. My husband got kicked out of his dads house for stealing and being on pills. He had nowhere to go so I let him stay with me to help me with our newborn daughter. Last week he was on pills again and stole some money from my dad and me so my dad kicked him out. Every time this happens he says he is done with the pills and it won’t happen again. I always take him back and this time I said he cannot stay with my dad and I. We have a house that I am still making payments on but since he doesn’t have a job I can’t pay for the house, utilities, and groceries by myself. Thats why I’m living with my dad so my kids will have water and heat. He is now telling me that he is completely done with pills. His mom is going to put him in therapy and he is going to apply for jobs and possibly go to the army. I do love him and that would be fine but I’m afraid I can’t trust him. My parents are begging me to get a divorce. But even if I do I know I will still see him alot because of the kids and that will be hard for me. When we got married I knew he already had 1 kid which was fine but since we got married he found out he has another and next month he is getting a DNA test for another, which that is really hard for me to deal with. I know he didn’t cheat on me. But if he does get a job, all his money will go to child support for these other kids? He has been put in jail more than once for back child support and is also being questioned for some residential break ins. I am afraid if I leave him I won’t find anyone else and if I did find someone else my husband would make it hell for me. I’m sure it sounds like a no brainer I wish I could turn off my feelings but I really do love this guy too much. I just wanted an outside opinion from someone that doesn’t know us. Thanks in advance
I do not have a drug problem, and when he is on drugs I do keep the kids away from him.
My daughter recently saw her employee record and pre-employment background check. It listed her as HIGH RISK. She has a perfect credit history, college degree, excellent employment record and no criminal history. She phoned the background checking agency and asked why. They responded that she is HIGH RISK because she is my daughter and when I went through a life challenging health challenge and became disabled, I had to file for bankruptcy. Because my daughter was living at home at the time of my illness / bankruptcy, they say that makes her HIGH RISK. My health crises and bankruptcy should have NOTHING to do with my daughter’s life. Is this legal? If not, how do we fix this? Who knows how many jobs she has been denied because of the false HIGH RISK status!
She does not live with me. She has had two homes since this happened and nothing has changed this negative report. It simply cannot be legal for an agency to assign blame to one person for another person’s actions. If I committed murder, you wouldn’t also go to jail just because we lived together. If my current landlord files for bankruptcy, it has NOTHING to do with me. A child cannot be responsible in any way for their parents financial collapse due to a near death health challenge.
Live in NJ and have more deposits in are bank accounts then what are take home pay is, does that matter or will they ask about this. they are all cash deposits from my husband doing side jobs for us to keep up with the credit card bills, now their are no more side jobs,so we have no choice but to file for bankruptcy.will they want to know why we have all these extra cash deposits? we did use all the money to pay all our credit card bills and we have 5 kids, does this matter?
a few months ago i was jobless and homeless and ended up in the hospital in a state that i was not a resident of and the hospital sent me to like a psych ward/rehab place and that place wouldnt release me because they had nowhere to release me to until they got a hold of my parents and my parents came and got me and i got two bills from the hospital and one bill from the other place and i have a job but i dont get many hours and there really arent many options for jobs where i live i made payment arrangements with the hospital for two bills and i can just barely make the payments each month and the other place didnt send a bill until just recently and its over ,000 and they wont give me a payment arrangement that works for me they want almost ,300 a month for 4 months which i cant do i make less then 0 a month right now since that payment arrangement doesnt work they want me to get a loan from a bank but i dont have a credit history and no one would cosign and i dont make enough money to afford another bill each month my mom says that i should just file for bankruptcy my parents dont have the money to loan me and refuse to cosign anything for me or really help me in any way i dont want to have to file for bankruptcy because i dont want bad credit to start my credit history and i was hoping to go to college in the next few years (which would require loans) im only 19 and i have a daughter whos 10 months (she lives with her dad – she was not with me when i was homeless and all of that) and i want to be able to set the best example for her as i can and ive already messed up so is bankruptcy the best option or does any one have any ideas on what i should do?
My boyfriend lost his job and I co-signed for him but now we canno afford his payment. We don’t want to file bankruptcy or have a repossession on our credit. Ibhve really good credit and I’m freaking out. Does any one know of any programs in California or anythingwe can do or try?
LET ME MAKE THIS VERY CLEAR! I’m not depending on the state or anyone else to bail me out! And it makes no difference to co sign to someone your married to. Dovorce is on the rise honey! My bf and I have been together 6 years, have both kept the same jobs for the bast 8 years for me and 9 years for him. LIFE HAPPENS and he got laid off!
I’ve searched 19 pages of answers, did not find anything. My wife & I have jobs. We have 2 kids. Wife has amassed lots of medical bills, due to 4 hospitalizations. Had Credit-card debt also, but not enormous. We have not paid hardly ANY medical bills in about a year, and no payment on credit-cards in that same time. We had retained an attorney, because we wanted to file for bankruptcy. Now…almost 1 year later, (still have not used c.cards, or paid med bills) we want to include the house in the bankruptcy. (Unfortunately!) I’ve just re-financed several months ago, and can afford the mortgage…however, our home is 20 years old, in need of many repairs, (roof, siding, windows) and insurance is not covering some damage we have to our house….Our mortgage is not quite 1 month late. Any advice? We just want to "let it go", take the hit, and downsize to a town home. In the months ahead… I know we need to SAVE $$$$ When should the lender be notified…if at all? WHAT NEXT?
Where can I find a loan with poor credit rating? I have a loan with a lender, but, it’s at such a high interest rate and need to get my payments cut. Banks don’t want to talk to me. (No Nigerian lenders, please). I’ve tried Prosper (have a current listing), but no bites, yet. I’m already working 2 jobs and do not want to file for bankruptcy. Divorce has put me in dire straits. Is there ANYONE out there that can help? I myself actually prefer online bad credit payday loans lenders but i dont know what site I should do the search. Can you help? Thanks
I have a friend who works 2 jobs & her husband is also employed and they are filing bankruptcy. The thing that bothers me about it all, is that every time you turn around, they are going on vacation, and she is always taking money out of her investments to buy gifts and things like that, although they don’t pay their bills. If they are taking money from investments to buy luxuries and things like that, shouldn’t they be paying their bills instead? Won’t the courts see that kind of stuff happening? Will they not get in trouble for that being done?
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
Ok so here it is… I question a lot right now, because my girl and I have started on fire and I mean fire.. She was the CO of this company (Hospitality Group) and I was a G Manager/ Promoter of one of the businesses. Well the owner (my friend) liked her so a lot of jealous went on behind closed doors.So we both left… I was making about 4000 cash a month and so was she… Then I decided to start a promotional business throwing events and concerts.. Started as being funded by me.. I was living downtown by myself. I had an 2006 f150 i have owned for 2 years almost paid off … From my past relationship. Well I kept it in my past gfriends name because she had better credit(I have no credit and I was getting paid cash)= no loan… The past gfriend decides to file bankruptcy and takes my truck well So now I am living a block away from work still functioning fine when the new gfriend ask me to me move in so … well i do and then she lets me drive one of the cars… Well we both quit our jobs at the sametime and open a limo company and a promotional company together. We are both smart and motivited so we have 3 sucessful events … Net 00 right out the gate we blew some of it paid some bills and put money back into other events… Then we start taking losers and the money haulted completly.. All the time we are out wining and dining blowing money left and right. 100 here a 100 there … all the time madly in love and living the dream… Well next thing I know we run out of money… Well she pulls out ,000 out of her savings to save us over the next 3 months. So during this time we both find jobs 2 months in… She got a salery job while I got a outside sales job…well she got paid while i have strugled on outside sales from b2b sales in dec(I made nothing thru training and learning). .. All b2b sales normally shuts down in dec. … Now she resents me and stop being affectionate and also talks down to me. Tears me down completely.. This pisses me off makes me feel like I am a loser, because she supported us for 3 months… I have had a relationship where I paid for everything for 3 years of course it didnt work out ,but 3 months…. The Mother tells her to break up with me, because I am struggling at my job thru dec… So we do get in this fight over the phone .. Saying that she cant take this anymore that she can have better and that I am the worst mistake of her life.. and I move out… 6 hours later she text baby " I feel like I cant breathe right now i have this empty hole in my chest" I need you back your my bestfriend and husband to be.. calls and saying… I have been sucessful before and I will be, but having someone that you are in love with tell you that you arent good enough is deft working against my confidence…
I love this Girl more than anything and I am totally proud that she is a rockstar when it comes to careers… I treat her like my queen!!!! She wants me to move back in? It has been 3 days that we have been seperate and she has ask me to come over 2 of those and spend the night and has acted completly like she was when we first got together…
I say this we are a great couple get along like the best couple we are best freinds most of the time..
The fights are resentment from the money.. She has supported us for 3 months and yes I do feel guilty amd yes I work Everyday b2b sales are a pipeline business…
What should I do? Does She love me?
How can we fix this?
9 hours ago – 4 days left to answer.
Additional Details
She says she loves me, but treats me diffrently now…. and when we broke up desperetly chased me back…. I am confused ? What to do?
i love her
Ok so here it is… I question a lot right now, because my girl and I have started on fire and I mean fire.. She was the CO of this company (Hospitality Group) and I was a G Manager/ Promoter of one of the businesses. Well the owner (my friend) liked her so a lot of jealous went on behind closed doors.So we both left… I was making about 4000 cash a month and so was she… Then I decided to start a promotional business throwing events and concerts.. Started as being funded by me.. I was living downtown by myself. I had an 2006 f150 i have owned for 2 years almost paid off … From my past relationship. Well I kept it in my past gfriends name because she had better credit(I have no credit and I was getting paid cash)= no loan… The past gfriend decides to file bankruptcy and takes my truck well So now I am living a block away from work still functioning fine when the new gfriend ask me to me move in so … well i do and then she lets me drive one of the cars… Well we both quit our jobs at the sametime and open a limo company and a promotional company together. We are both smart and motivited so we have 3 sucessful events … Net 00 right out the gate we blew some of it paid some bills and put money back into other events… Then we start taking losers and the money haulted completly.. All the time we are out wining and dining blowing money left and right. 100 here a 100 there … all the time madly in love and living the dream… Well next thing I know we run out of money… Well she pulls out ,000 out of her savings to save us over the next 3 months. So during this time we both find jobs 2 months in… She got a salery job while I got a outside sales job…well she got paid while i have strugled on outside sales from b2b sales in dec(I made nothing thru training and learning). .. All b2b sales normally shuts down in dec. … Now she resents me and stop being affectionate and also talks down to me. Tears me down completely.. This pisses me off makes me feel like I am a loser, because she supported us for 3 months… I have had a relationship where I paid for everything for 3 years of course it didnt work out ,but 3 months…. The Mother tells her to break up with me, because I am struggling at my job thru dec… So we do get in this fight over the phone .. Saying that she cant take this anymore that she can have better and that I am the worst mistake of her life.. and I move out… 6 hours later she text baby " I feel like I cant breathe right now i have this empty hole in my chest" I need you back your my bestfriend and husband to be.. calls and saying… I have been sucessful before and I will be, but having someone that you are in love with tell you that you arent good enough is deft working against my confidence…
I love this Girl more than anything and I am totally proud that she is a rockstar when it comes to careers… I treat her like my queen!!!! She wants me to move back in? It has been 3 days that we have been seperate and she has ask me to come over 2 of those and spend the night and has acted completly like she was when we first got together…
I say this we are a great couple get along like the best couple we are best freinds most of the time..
The fights are resentment from the money.. She has supported us for 3 months and yes I do feel guilty amd yes I work Everyday b2b sales are a pipeline business…
What should I do? Does She love me?
How can we fix this?
Ok so here it is… I question a lot right now, because my girl and I have started on fire and I mean fire.. She was the CO of this company (Hospitality Group) and I was a G Manager/ Promoter of one of the businesses. Well the owner (my friend) liked her so a lot of jealous went on behind closed doors.So we both left… I was making about 4000 cash a month and so was she… Then I decided to start a promotional business throwing events and concerts.. Started as being funded by me.. I was living downtown by myself. I had an 2006 f150 i have owned for 2 years almost paid off … From my past relationship. Well I kept it in my past gfriends name because she had better credit(I have no credit and I was getting paid cash)= no loan… The past gfriend decides to file bankruptcy and takes my truck well So now I am living a block away from work still functioning fine when the new gfriend ask me to me move in so … well i do and then she lets me drive one of the cars… Well we both quit our jobs at the sametime and open a limo company and a promotional company together. We are both smart and motivited so we have 3 sucessful events … Net 00 right out the gate we blew some of it paid some bills and put money back into other events… Then we start taking losers and the money haulted completly.. All the time we are out wining and dining blowing money left and right. 100 here a 100 there … all the time madly in love and living the dream… Well next thing I know we run out of money… Well she pulls out ,000 out of her savings to save us over the next 3 months. So during this time we both find jobs 2 months in… She got a salery job while I got a outside sales job…well she got paid while i have strugled on outside sales from b2b sales in dec(I made nothing thru training and learning). .. All b2b sales normally shuts down in dec. … Now she resents me and stop being affectionate and also talks down to me. Tears me down completely.. This pisses me off makes me feel like I am a loser, because she supported us for 3 months… I have had a relationship where I paid for everything for 3 years of course it didnt work out ,but 3 months…. The Mother tells her to break up with me, because I am struggling at my job thru dec… So we do get in this fight over the phone .. Saying that she cant take this anymore that she can have better and that I am the worst mistake of her life.. and I move out… 6 hours later she text baby " I feel like I cant breathe right now i have this empty hole in my chest" I need you back your my bestfriend and husband to be.. calls and saying… I have been sucessful before and I will be, but having someone that you are in love with tell you that you arent good enough is deft working against my confidence…
I love this Girl more than anything and I am totally proud that she is a rockstar when it comes to careers… I treat her like my queen!!!! She wants me to move back in? It has been 3 days that we have been seperate and she has ask me to come over 2 of those and spend the night and has acted completly like she was when we first got together…
I say this we are a great couple get along like the best couple we are best freinds most of the time..
The fights are resentment from the money.. She has supported us for 3 months and yes I do feel guilty amd yes I work Everyday b2b sales are a pipeline business…
What should I do? Does She love me?
How can we fix this?
9 hours ago – 4 days left to answer.
Additional Details
She says she loves me, but treats me diffrently now…. and when we broke up desperetly chased me back…. I am confused ? What to do?
i love her
Recently my job has required me to travel much more than ever before. I am overseas about 50% of the time in stretches of four weeks or so. My wife has a full time job in sales and works from home. She works very hard and not just during normal business hours. Sometimes she’s up late at night doing quotes and stuff.
My job is much more stable than hers. I’ve never had to change jobs or been laid off. She’s had quite a bit of change. Three companies in the last two years, once laid off and one went bankrupt. So, what this means is my job provides a lot of stability for us.
We have two daughters in middle school, 7th and 8th grade. They are a lot easier to care for now being older. But, they still have to get help in homework and be driven to music lessons and such.
My boss can’t or won’t tell me how much longer this is going to go on. I think for a year or so. I miss them a lot when I’m gone and I think it can be hard on them having to do without me. Helping with driving the kids around, fixing things, etc.
So, my question is this. How much is this hurting us? Should I try to find another job, put my foot down with the boss and demand an answer? She says that she supports whatever I need to do for my job. She doesn’t say so, but, I know she doesn’t like it. And the girls hate it. I’m not that fond of it either, but, it’s not that bad for me other than missing their company, which I alleviate by calling them a lot.
Thanks Seth. I find that I don’t have as much time as I used to.
What are the advantages and more so what are the disadvantages? I think i’m pretty up to date on the advantages, I hire a lawyer, he notifies companies I owe money, they have to write me off and can’t call anymore? Is that about right? As far as disadvantages I know it hurts your credit but so does defaulting on loans and credit cards, I owe about ,000 right now not counting my 2 car loans, and what happens with those, it won’t pay off your cars right? But it won’t hurt what you already have set up will it? I try to look stuff up online but can’t find any real help because it just pops up a bunch of debt consolodation companies and I already talked to one of those and realized it was only gonna save me about a month and stretch out what I already owe longer! Thanks for the help and ideas:)
my grandmother filed years ago and the lawyer was able to get everything written off and they kept their home and truck so I was under the understanding that maybe there are different levels or branches of bankruptcy? It is very confusing and hard to get a straight answer it seems for my particular situation, I think I may try to call a lawyer today and see if I can figure it out a little better. I went from making .00 an hr to .75 an hour because of helping a family member and my hubby makes about 0 to 00 less per week then he was making so that’s why we are in such a bad spot now, and there are no good jobs around here right now trust me I have been looking and applying for something better for over 6 months now.
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!!
I can’t help but feel sorry for people who are going into debt for a fake education. The job market is horrible, and you can’t file for bankruptcy on student loans…not to mention half the degrees are for jobs that don’t even exist.
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?
I made some very stupid decisions when I was 19. I’m 23 now. In 2004, I got into alot of credit card debt. I racked up about ,000. I then panicked and never made a single payment. I was a very stupid and naive person at the time. In any case. I have been hiding from creditors for four years now. I want to fix my debt, or at least do something about it so I don’t have to be afraid anymore. I know I should probably consolidate and make payments, or file bankruptcy. I’m now a Dean’s List student, I live at home with my parents, and I am between jobs, but I would be looking to make payments. I could never afford all of it to be paid back. Is it reasonable to think I can go to a lawyer, contact my creditors and make a settlement for 25% of what I owe? That would be ,500 and I could pay that off with 0/mo for about 5 years. I want to have great credit someday.
Please help.
Thank you
More wiser and more scared
I just pulled a credit report from 2006. The total is actually 36,000. Thank you for your answers. I will consult a lawyer and see what I should do. I could just ‘wait’ I suppose, but I’m a legal US citizen from a poor hispanic nation. I want to do the right thing and fix my problem and own up. I can’t pay all of this back, but I want to try.
Speedbum…
I never said that I was proud of this, I am not. And yes, I agree. Creditors should have NEVER given a stupid, immature, dumb 19 year old like myself this much money to toy with. I think each person should have a debt consultant when they start to establish debt.
And to further add, we also have a war going on, so it’s not helping our economy. I didn’t cause of national deficit, thanks for asking. I do however, pay my taxes.