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

I ex left 15 mos ago, filed for divorce this month. I havent paid on any credit cards, they are in collections in 1 yr. The house is in both our names, I am living in it. Might could get 10k if we sold it. Credit card debt is 17k. Should I file bankruptcy before the divorce is finallized? I want to keep house. I dont make a lot of money, want to file chapter 7. What happens if I file bankruptcy now? Will he be responsible for all the debt ?

Technorati Tags: chapter 7, collections, credit card debt, credit cards, divorce, money, should I file bankruptcy

I have about 30,000 in debt, i pay around 600 a month in credit bills. Ive never defaulted and my APR’s are low but with the economy my profession has slowed and its getting hard to pay everything and im drowning. Should I file bankruptcy?? I would hate to ruin my credit now that im older and have never had a bad score, but what can i do?? im drowning! please help!!

Technorati Tags: economy, profession, score, should I file bankruptcy

I recieved a notification in the mail that stated my wages would be garnished by a credit card company. I am currently unemployed but will be employed soon. I know they can garnish about 25% of my wages when I become employed. I owe to more than one credit card company. I owe in total about 00 to different credit card companies. Should I file bankruptcy? If not, how long will it take to have the 00 paid through garnishment?
Also I have a car loan that is completely up to date and the payments are on time. Will this eventually help me bring my credit back up?

Technorati Tags: car loan, credit card companies, credit card company, garnishment, mail, should I file bankruptcy, wages

I’m in a situation and need some outside advice. Lost my job and am taking a 50% pay cut to get another job. Should I file bankruptcy or use a credit counseling agency to consolidate my bills? Am between 15,000 and 20,000 in debt. Didn’t file when I lost my job, but have now used all my savings while living with no income for 7 months. Any advice would be helpful.

Technorati Tags: 7 months, credit counseling agency, job, should I file bankruptcy

I have around 15,000 in credit card debt (major I know-my husband got hurt and so did our income). I got a call today from a collection agency at my job saying he was only contacting me this one time and since I can’t pay the 1700 up front he was going to start taking it out of my pay checks. Can they do this? I don’t pay every month but every couple of months I try to send in a very small amount to show I care. But because of all the different bills I can’t catch up. I am very upset because if they take my wages I wont be able to pay my bills that I have to have. Also should I file bankruptcy for this large debt, I am only 24, or should I try to pay it off. I want a house and don’t want this to hurt us to bad.

Technorati Tags: checks, credit card debt, job, one time, should I file bankruptcy, wages

I just found out that I will be loosing my job in 30 days. I will be job hunting of course, but it’s possible that I will have to declare bankruptcy if I can’t find a job that will pay the bills. If so, I will want to stay current on my mortgage to avoid loosing the house. But when should I file bankruptcy? Should I wait until I loose my income, or should I start the process sooner?

Technorati Tags: job hunting, mortgage, should I file bankruptcy