So, I recently (a couple days ago) was served with court papers, I am being sued by a hospital for ,000. I have about k-100k in medical bills alone, so to avoid paying the ,000 I know I should just file bankruptcy. Today I had a consultation with an attorney, and I am SO confused still. It was a free 30 minute one, so maybe that’s why I felt really rushed and lost…but anyway. It’s going to cost about ,500 to file. I am a 25 year old BROKE college student who works part time at a retail store, this is a lot of money =/ ….I know it’d be easier and for sure would get the papers done RIGHT, if I had an attorney, but I don’t know if I can afford it. I know you can file yourself. Has anyone done this? My sister got a paralegal about 5 years ago, and filed herself. She said it was about 0, but she said the paralegal was helpful in helping her with the paperwork, BUT she did miss a few things. I feel like I’d be paying the lawyer to basically just go to the court and turn in the papers, and come with me to court. I still have to do all the dirty work of course…gathering my bills, filling out all the paperwork, etc…but I’m not sure if ,500 is worth having an attorney. Also, I am confused on this court paper I got. I know that they will eventually file a judgement against me (within 14 days) and start garnishing my checks, I understand bankruptcy can stop this. But is it only after your papers are completely filed and done? Or is it when you START the process? I am so lost! The attorney told me to try and get all this paper work gathered and figured out before 10 days so we can start it before the creditor starts coming after my money through the judgement. Does anyone have any advice? Thank you!

Technorati Tags: 100k, bankruptcy, checks, consultation, couple days, court papers, creditor, dirty work, judgement, lawyer, medical bills, money, paper work, paperwork, paralegal, part time, retail store

I am so broke from medical bills I need to file bankruptcy chapter 7 I think. About how much are the court costs in Phoenix Arizona. Thanks

Technorati Tags: bankruptcy chapter 7, medical bills, phoenix arizona

I have a lot of debt and don’t make enough to pay medical bills off and such. Is chapter 7 the way to go?
Just so you know Jackdneverf, not everyone in this world has such a good life as you! When you have a job that has no insurance every time you go to the doctor it’s automatically 0. Don’t judge someone until you have walked in their shoes!

Technorati Tags: chapter 7, insurance, job, medical bills, shoes

I have bad hypochondria. I developed this 3 years ago and it’s pretty bad. I’m constantly fearing that I will catch some disease and die or that I will move my body or eat wrong and choke to death or break an internal organ. Most of my fear is of having a heart related problem. I don’t go out anymore and I stay inside so that nothing bad happens, like getting in a car accident. If someone mentions an accident or death of a loved one it makes me both sad and very scared and I have a panic attack. I spend hours looking up symptoms online and I now have to file bankruptcy because of medical bills for doctors visits for minor illnesses when I didn’t have any health insurance. I want to go teach english abroad for a year but I don’t know how I can when I can’t even barely leave the house outside of work. I’m afraid I’ll get ill and die in a foreign country.

Technorati Tags: 3 years, bankruptcy, car accident, death of a loved one, doctors visits, fear, health insurance, heart, insurance, internal organ, medical bills, minor illnesses, panic attack

Ok. So my significant other is over her head and doesn’t make enough to pay her debts. Her income is less than half the median income here. A sample means test shows she easily and completely qualifies.

My question is this. She is going to have a hard time coming up with the attorney fees associated with filing (around here it seems to be 800-1500 bucks). I am curious how hard is it to file by yourself or if there is an alternative like a Pro Bono attorney option or discounts for low income persons.
EDIT: Her debt amount is roughly 30k. That is with medical bills WITHOUT college loans. Her monthly income is about 1200 bucks. Her monthly bills are more than that. That does not include food or gas. I am not looking for a moral lecture. She is doing this. I am trying to help her through it. She has exhausted all other options.

Technorati Tags: 30k, attorney fees, college loans, debts, hard time, income persons, means test, median income, medical bills, pro bono attorney

And is it a good idea? I owe money to a credit card, a bank, tons of medical bills, and student loans (although if I remember correctly, student loans aren’t forgiven through bankruptcy). I probably have 30K-40K in debt altogether—most of which being the medical bills. I’m 22, would bankruptcy be a good option? And how would I do it? How much would it cost? How long would it take to fix my credit thereafter?

Technorati Tags: bankruptcy, credit card, medical bills, money, student loans

I work 40 hrs a week as support for a software company. I work remotely from home. I have been freelancing at night when everyone is asleep and on weekends – this is my second job, my attempt to pay off medical bills, and to move forward on quitting my current job I hate so much. Last week I told my husband I have a big job and I have a 2 week deadline. This job will pay for my son’s Hockey Season which is 0. I told him this several times before taking the job and he told me he was okay with it. One night I decided to work on the project right after dinner and as soon as I went upstairs he wanted to know what I was doing and demanded that I take his laptop and work downstairs. I was a bit put off and did it. Then he went to give my youngest son a bath and demanded that I stop what I was doing to watch my older son do his homework… First of all, my husband never gives my youngest son a bath on his own – I usually do it and rarely tends to my son’s homework. He started yelling at me saying that I need to spend more time with the family.. What??? I’m home all the time with the family.. He’s not!

Keep in mind that he works 50 – 60 hours weeks and sometimes more. When he does work more than usual, I never give him a hard time. I take care of everything at home.

This one time when I asked for his support on my big project – he failed me. I decided to quit this project because of my husband being impossible. I was so angry at him, I could not talk to him. The next day I woke up angry, he was telling me what to do and how to do it… He is usually like this and I just ignore it. I was so pissed, I was super sensitive to every word that was coming out of his mouth. I felt like I was in shackles and I have no rights as a human being. I know this is so exaggerated on my part.. That is my feeling after getting no support from him.

What brought me to the melt down is this. I have a paypal business account and credit card for my business needs. my husband knows this which is a big mistake telling him. That account allows me to send invoices to people so that they can pay me for services. I have been taking the profits and paying for things we need and paying for medical bills. I have gotten about 00 from freelance work so far. Well, my husband keeps on telling me we need to pay for hockey stuff and now My dog’s grooming and vet bills.. This is where I get frustrated.. I have to work to pay for this stuff. I don’t want to incur more debt. He also wants me to file for bankruptcy.. I don’t. That is the easy way out and I feel I can fix this.. He doesn’t agree with me and continues to friggin buy things like he has endless amounts of cash.

I really think he takes advantage of me. Everything we have bought, he had convinced me to put it on my credit card and promised he will pay it back. Every time I go to him on paying back my card, he comes up with excuses and yet he is able to buy shoes, clothes, gadgets, toys for kids, – lunches, etc… Do you see why I’m mad?

And just a couple of days ago I flipped on him because he told me he just bought some Vail Resort stock… I was pissed because when I was trading stocks a year ago and making a profit, he got involved and said this will be a good hobby for the both of us. I immediately disagreed and told him that I want to do this on my own. He has stocks and a retirement fund. I have nothing and would like to try and build a retirement fund and portfolio. He was offended and got mad at me. I gave in and decided to work with him. He told me to buy a stock that I did not agree with and insisted that if I do not buy this stock it would be a big mistake. Well I didn’t want to and we fought over it. I didn’t want to fight with him and bought the stupid stock. A week later it fell 10% and I pulled out. He wanted me to keep it and called it a long term stock… He was so wrong. The little money I did have went to paying for penrose hospital – they had a court order for us to pay for a bill. So I pulled all the money and gave it to them. See why I am mad… Why do I put up with this?

He is another funny thing he did. For a while he was recording Dave Ramsey show. This show has people calling in about their financial problems and he give advice. Well I did watch this show and loved it because if reinforce what I know is true and when I had asked him to watch it with me – he agreed but he thought it was comical and didn’t take the show seriously and stopped recording the show… I am crazy.
He pays for health insurance, car insurance, utility bills, and cable. I pay for mortgage, car, credit cards, daycare, and gas/groceries.

I don’t have anything left when these bills are paid.
Yes, I have talked to him about this and we are trying to work things out. I don’t give up that easily. Divorce is not in my radar. I feel so frustrated and wish I could figure this out. My husband tells me all the time that I need to learn how to relax.. He’s right there. And we balance each other because I am all about being responsible and he likes to have fun.. Well I love to have fun too. I was adventurous before kids and marraige. Now i’m home working all the time. Try to pay the bills.

Technorati Tags: big mistake, business account, credit card, downstairs, hard time, hockey season, homework, laptop, medical bills, melt down, second job, several times, shackles, software company, youngest son

I currently live in NH/ over 10 years. I own a mobile home and a car. Due to health reasomd I will be moving tp a warmer climate. Yhe house is in my name and PIF as it is old and does qualify for moygage so I pay my parents/ The house will be sold and the money will be a swap for a house where I relocate and technically is for my parents for loians to get me by during litigation. Much of my debt credit cards as I was in a MVA a few years ago by underinsured and dishonest motorrist- cc charges were fort medical bills and if used for purchases cash was tight and some medfical bills wete paid in cash so other needs where charged. I think I have 1 student loan nvut thought all were paid 12 years ago/ Loan is about 1200 cc debt is about 120000 and a few thousand of medical billls are remaining. I did wotk after accident but had surgery from said approximately 2 years after. I did my best paying off debts incured from 2005-2007 but after the surgeries which were kinda influenced by my lawyet as he enphasized need for medical end point even though I expressed there is no medical endpoint. Well my climb to pay devts started again after surgeries and additional disorder called Rsd. I did have LTD but they never paid as a doctor was paid off to fabrricate my evaluation when my job did not like what 2 other doctors concluded, which one of yhese 2 my work sent me to. After aan error on Socoal Securoty ceases ny income for 2.5 years, the feds granted the claim for SSDI. Besides stress of litogation, no income, age of digerative disorders SSDI was granted with an apology of the sort. I akso annulled a marriage within this time leaving me with deby from spouse who commited domestic violence on me and he chose to live off of me. I was also robbed of 5 figures of assets and lost alot of electrical utilities from lightning. I salvaged what I could and did not complrte insurance clai, as briefed to ageny as I was loosing hope and in alot of pain physically abd mentallyt. Years of litigation, paying medical bills, healy
th, etc I started loosing hiope and addressing many issues became to taxing but I did what I could and blockrd out what I couldn’t deal with mentally and financially. My parents lent me money to get by. I alsoi have 1 speeding ticket that I was under thje impression was dismissed. Well I got a letter recenrtly that stated it had veen 3 years and threat tp revoke my license, I alsp have a scar ocroissd my face that is a constant remonder of somr horrific times which will codt about 4000 to fix. I can’t handle another winterin NH as it is compromising my healyj and litigation has and cointinues to keep me from mty lovrf onrs. If my parents pass qwhile waitimhg for the litigation , it would devistate me. Additionally more medical problemsa have arisen due to tjhe weather, stress, and afe. I also have apptoximately 10000 in legal fees from the lawyer for ssdI who did not do his job, I did hid jpb and he wiithdrew representation as I mentioned consideration but planned to dicuss our relationship before making a decision and he wityhdrew vefore our meeting , as I ended up in hospital that day buit left vm in evening avout hospitalization. When I talked to him the next day he informed me that he notified social Security of his withdrawal. SS was one who informed me of incomplete and questionable lawyers effort and mentioned I shpuld consider terminating him. They did thos as a favor as they technically were to correspond with my council but they were quite hekpful and confirmed my concerns of lawyers incompleteness. Well, now he wants 6000 dollars for 1 days work/ I was ythe adjudicator with the congresswoman, Social Security judge and doctors. O had already elvaluated with states doctors, submitted 380 pages of medicsl records, went to 1sr hearing, filed an appel as my doctor still did not feel comfortable that it was safe for me to work. SSI;\ost appeal forms but it was emtered om ytheir computer that it wsd recieved 9 mpnths earlier per protocol and admitted error on theirr part;. such action hindered rehabilitation, medical treatment, quality of life, and blew my immaculate credit, and eventually had to cxcl health insurance and homeowneras insurance. If I fplr ch 7 or 13 and have to appear im court wiyh drawm out litigstiom I would noy file in NH I wpuld opt to fil whrm I move. Litigsyion eith driver from mvs or duit sgsimdt dtste id yoo much negstive emergy smd five years of my life here hsd beem merely existing xr1to exyemd it wouild devistate me uinless legsl counciul would hsndle my presence wuthout ,e or i would file st more desirsble state-whats your thoughtsI

Technorati Tags: 10 years, abd, apology, assets, climate, credit cards, debt credit, deby, domestic violence, electrical utilities, endpoint, feds, litigation, medical bills, mobile home, mva, paying off debts, ssdi, student loan, surgeries

My boyfriend is in a lot of debt currently, with medical bills, student loans, and an ex wife who is getting 50% of his checks due to alimony. Needless to say this is very difficult for us financially. What exactly are the rules are bankruptcy and how do you go about file-ling? Would bankruptcy make any of this go away. Mostly the ex wife alimony? How would bankruptcy effect that?

Technorati Tags: alimony, bankruptcy, checks, medical bills, student loans

I am now a stay home mom due to having two children with a rare disease and due to daycare costs. I would be working just to pay daycare, so my husband is the only income we have now. We have ALOT of medical bills that we were barely paying off before when we had 2 incomes. We also have some credit cards that need to be paid. We also pay on a repossession and we have a judgment for a credit card that we used to have. In plain words we have alot of debt and we don’t really have to means to even pay it off. i have 2 school loans that I have put off repaying. It really seems like bankruptcy is our only option and I have accepted this but I wanted to know if anyone has any other ideas?

Technorati Tags: bankruptcy, credit card, credit cards, home mom, incomes, judgment, medical bills, rare disease, repossession, school loans, stay home

I’ve been out of job for long time, plus medical bills and I am facing foreclosure, as well as months of unpaid c/card and one unsecured loan bills. I don’t think I can pay both mortgage and c/card bills. I want to keep the house and the only way out of this situation I see is to file for bankruptcy. I finally have good job offer in my field that i am about to accept. I wonder if I should file while I am still unemployed, or when I have a job. Thank you

Technorati Tags: bankruptcy, c card, card bills, facing foreclosure, good job, job offer, long time, medical bills, mortgage, unsecured loan

I want to file Chapter 7 to totally get rid of my debt. The only problem is my spouse doesn’t agree with this, so I would have to file by myself. I have 5 credit cards in my maiden name and 1 credit card in my married name. My medical bills are in my married name. As far as my assets, my name is on the house but not on the mortgage. My name is also on the two cars that we own.

Can I file Chapter 7 bankruptcy without the cars and the house being affected? If I can’t file by myself then what else can I do?

Technorati Tags: assets, chapter 7 bankruptcy, credit card, credit cards, maiden name, medical bills, mortgage, two cars

I am preparing to file a Chapter 7 Bankruptcy to discharge my medical bills of ,000. I have no other debt, other than my car payment. What can I expect my credit score to fall to? Right now I have about a 700.

Technorati Tags: car payment, chapter 7 bankruptcy, credit score, medical bills

I mean obviously it does but I was thinking about how medical bills is one of the top reasons for bankruptcy in America, and wouldn’t adding this universal health care bill prevent and avoid individual bankruptcy thus cause the economy to improve a bit?

Technorati Tags: bankruptcy, economy, health care bill, medical bills, universal health care

I own a home in which I am willing giving up due to my circumstances. I became deaf. Since then, I have been unable to find a job. I have been living off of unemployment which is not enough to pay my mortgage. When I tried to send partial payments, they returned my payments. I was given a forbearance but that did not waive the amount I was behind which is over 12 months now. My unemployment is running out and though I am capable to continue to work in my field with reasonable accommodations, or even outside my field, I am not getting any job offers.

I have 20K to use towards prepayment for rent, food, etc, for a little while….to help by more time for me to search and find a job.

I have a few credit cards, one is up to date on the payments, several medical bills, student loans, unemployment payments that I need to repay in a different state, about 00. Back when my credit was good, I was a victim of identity theft which is why internet accounts, credit cards and wireless phone accounts were opened in my name. I tried disputing the items that were not mine but only 1 thing was removed.

Will Chapter 7 Bankruptcy help me? Will they try to take the little money that I have to live off of. I also have 3 paid off vehicles.
I AM NOT YELLING. JUST WANT TO MAKE THIS MORE CLEAR FOR ALL TO READ. I DO NOT HAVE A JOB, I DO NOT HAVE MONEY TO MAKE MONTHLY PAYMENTS ON ANYTHING RIGHT NOW SO CONSOLIDATION IS OUT THE QUESTION. GETTING SIDE LOANS IS OUT THE QUESTION. NO NEED TO SUGGEST SUCH. THANKS.

Technorati Tags: 12 months, chapter 7 bankruptcy, circumstances, consolidation, credit cards, forbearance, internet accounts, job, medical bills, money, mortgage, partial payments, reasonable accommodations, student loans, unemployment payments, victim of identity theft

Back in June I was terminated from my job due to my epilepsy, I hold nothing against the company as they did all that they could with an ADA accomodation, however my seizures caused me to miss to much work. I ended up getting approved for disability, being considered permanently disabled and now make 950 dollars a month, which is my only income. The loss of income forced me to drop out of college and now I have 70,000 in student loan debt coming due. I have been getting constantly contacted by different collectors and attorneys regarding many of my debts, 3 credit cards, totaling about 1,000 dollars, my pickup was repossessed in June and they are trying to collect the final 1500 dollars that they could not get from selling it, which is now being handled by an attorney threatening litigation. I also owe on a large number of medical bills, 6,000 owed for a balance with snap on tools, which the toolbox was stolen so I cannot return it, and many old debts that are beyond the states statute.

The only asset I have is my motorcycle worth 5,000 dollars as I have lost everything else and rent my home. Basically when comparing all of my liabilities to my income and my assets, I am insolvent and from what I have been able to find out basically "judgement proof"

I cannot decide if I should file for bankruptcy to try to get a fresh start since there is no way I will ever be able to get these debts paid down. I do know that there is the possibility of my student loans being discharged due to disability. I don’t really want to file but I am starting to think that either I will have to, or just keep putting up with many of the phone calls and send cease and decist letters to the ones beyond statutes. Does anyone have any suggestions on this?
I have already spoken with Sallie Mae in regards to my student loan debts, and they did advise me that I am in the rare circumstance where the loans can be forgiven.

As far as the motorcycle goes, it is my life, although I do not drive currently, as i know better, I don’t need to put other people at risk or myself, but the motorcycle is the one thing I refuse to get rid of, as it took me a long time to be able to purchase it, and it is more important to me than anything, including my own life. This may sound crazy, but my motorcycle got me through alot of times when I was depressed. Even my therapist and my doctors all say not to get rid of it since it is all that I have. As far as my debts do go, not including the student loans I am sure that I have over a total of 0,000 in debt as I had to have brain surgery 2 years ago and still owe for that along with a large number of epilepsy specialist visits. I have spoken with an attorney in the past and they have said I do have enough
As far as student loans being bankruptcy proof, I am well aware that they are in most circumstances, but there are circumstances such as being totally and permanently disabled, which by their definition means for a period of 60 consecutive months. I am certain that I will not be working for that long as we have had no luck in controlling my epilepsy so far. Many of the legalities on that I am aware of as I was majoring in accounting, and was only a couple of classes shy of graduating when I was forced to quit
Yes, that is correct, I am sorry my wording was off on that, while bankruptcy itself does not get rid of them, certain circumstances do permit the discharge of them, such as total and permanent disability. i have spoken with them and they are currently on deferment for hardship while everything goes through. It isn’t actually the bankruptcy itself that gets rid of them, but filing for discharge. I would definitely prefer to pay them off however, but with the cost of my medication each month actually being double what I receive in income and with medicaid refusing to cover them due to stating that they are not a preferred medication and refuse it even with requests from an epileptologist, I have no choice but to pay for them out of pocket until I can get approved for patient assistance. I am also in the process of working with vocational rehab to try to get me through school so that I can get a desk job as I am so limited on work that the only ones that I am able to do physically ar

Technorati Tags: accomodation, ada, bankruptcy, credit cards, debts, disability, epilepsy, fresh start, judgement proof, liabilities, litigation, medical bills, motorcycle, phone calls, rare circumstance, sallie mae, seizures, snap on tools, student loan debt, student loans

i had ,000 credit card debt and ,000 medical bills. They were unsecured debts and i filed chapter 7 protection. Now who will cover my ,000 bills? will BOFA, citi, wells fargo etc etc write it as loss or will they increase interest rates on those who pay bills on time or will government give them bail out?

Also my ,000 emergency surgery bill — who will pay that now? hospital depends on patient bill payment to pay the employees. Does that mean some employees will be laid off because i didn’t pay?

The bankruptcy lawyer wasn’t interested in answering such questions

Technorati Tags: bankruptcy lawyer, bill payment, bofa, chapter 7, credit card debt, emergency surgery, interest rates, medical bills, patient bill, unsecured debts, wells fargo

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?

Technorati Tags: amp, bankruptcy, c cards, credit card debt, credit cards, insurance, jobs, medical bills, mortgage, siding

We haven’t made any payments on it yet. My husband is the registered owner and his dad is the legal owner (since he cosigned), although we are going to ask his dad to register it in his name. We have only one other vehicle worth 00 and no other assets. We got the cycle to manage the fuel crisis since my husband has to commute, and we are barely managing right at the federal poverty level. I can’t imagine that any court would want to take and try to liquidate something that is still owned fully by the bank, right? We are filing bankruptcy because of huge medical bills that are way out of our range of ability to pay, due to a severe injury I suffered two years ago, which is in collections. We were served with summons a couple of days ago and are seriously considering filing for bankruptcy. Any advice would be greatly appreciated.

Technorati Tags: assets, collections, couple of days, dad, federal poverty level, filing bankruptcy, filing for bankruptcy, fuel crisis, medical bills, summons

I owe a LOT on my credit card bill (my minimum payment is 5/month) and my interest rate is 12%. Please understand that this has taken almost 2 decades to get to this point and it was unintentional. Anyways, I have good credit with a score of 771. I don’t want to ruin that by filing bankruptcy. I am wondering if there is an alternative where I can cancel the card, pay say /mo and not have interest accrue. I will pay til I die if I have to but I cannot afford this anymore. I know you can do something similar with medical bills, so I thought maybe there is something out there for credit card bills. If it helps, I am disabled and receive SSDI, so maybe there is a government program, I don’t know. Thank you for any/all suggestions.
Just some additional thoughts, what would trash my credit worse? Filing bankruptcy or debt settlement of some type as one person mentioned? Also wondering, if I just ceased paying or only paid the very minimum I could, and lets say they end up putting me in collections, etc., and let’s say they sue me for it, could they put a garnish on my monthly SSDI check? I don’t have any assets they could take (savings, house, etc).

Technorati Tags: 2 decades, assets, collections, credit card bill, credit card bills, debt settlement, filing bankruptcy, garnish, government program, interest rate, medical bills, minimum payment, score, ssdi