I asked the question earlier about two repos being consolidated that total to about ,000. How much does it cost to file for bankruptcy? fees and all?
The bankruptcy where you pay for it over years with small payments.
I only make minimum wage.
I quit my other job.
When my ex and I split up and child support was set up, I made a budget that fit the income. After a few years, my ex quit his job to get out of child support. After finding where he was working and turning it in, he would quit again to move to another job. I used my credit cards to fill in the missing money thinking i would pay it off when he started to pay again. Well that didn’t happen. Now I am filing bankruptcy after cutting everything we used to do out. I will be able to pay the bills with my own income when this is through. My daughter sees that I am stressed and hears the collections calls. Do I tell her the whole truth? I don’t want to seem like a complete failure in her eyes like i can’t handle money and she lost everything she used to do because of my incompetence. We wouldn’t be this bad off if he didn’t run from his responsibilities. But I don’t want to make her hate her dad.
She is 13 years old. Her Dad rarely sees her because it is now his turn to enjoy life since he started to have kids at 20(he is 42 now- and that is a quote from him) He has a 21 year old son from a first marriage living with him who he makes pay all the bills in their house. That son is going to move in with me next month because he has been wanting to go to college but hasnt been able to since all his money goes toward the household expenses(he works 60 hours a week at a little more than minimum wage and he is not my biological child)
This is for the people who asked how much he was in her life and how old she was.
I am severely underemployed, making minimum wage, 20 hours per week. I used to make more money and was given credit which I used, to the tune of ,000 in unsecured debt. Between my rent and utilities expenses, I can’t make my minimum payments to my creditors. I am striving to improve my employment status, but until I succeed with that, what can I do? I have no assets to sell and {content} to pay to debt consolidators and in payment plans. Is there any way to put my debt off for a few more months, or should I start thinking seriously about personal bankruptcy?
I kept dropping in and out of school for years. Now i’ve taken a job as a painter’s assistant that i love. But i no i will not be able to pay anything on my loans because i barely make minimum wage. I don’t care about my credit because i already got bad credit.
I have large debts and a very low income (due to various things that have went wrong in my life in the past year) and I have no money to file bankruptcy. I hear it costs 500 dollars which is what my rent costs and I have to choose rent over legal fees. I have nothing to sell to make money and work a job with a different schedule every week and also a very strict emloyer who goes on firing sprees all the time. It is not a bad job in the sense that I do make more than minimum wage so I can’t afford to lose it. I have limited transportation which limits where I can get to as many businesses in my city are in areas with no bus service and I can’t take off or be late for work under any circumstances. Is there any place to get free assistance and that useless credit counseling thing that is required? I know it is required although I do not believe in conselours of any type.
She doesn’t want to file bankruptcy because it will destroy her credit but she makes minimum wage, has no house or car, and can barely afford to pay the minimum payments on her accounts.