When To File Bankruptcy » should i file for bankruptcy http://whentofilebankruptcy.org Consider All Your Options | Free Tips, Q&A and Online Resources Sun, 05 Sep 2010 15:44:36 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 Filing bankruptcy or the best way to get out of debts? http://whentofilebankruptcy.org/filing-bankruptcy-or-the-best-way-to-get-out-of-debts http://whentofilebankruptcy.org/filing-bankruptcy-or-the-best-way-to-get-out-of-debts#comments Tue, 17 Aug 2010 03:40:31 +0000 admin http://whentofilebankruptcy.org/filing-bankruptcy-or-the-best-way-to-get-out-of-debts I’m in a substantial amount of debt… Hospital and doctor bill mostly. No credit card debt. Plus, daily living expenses with an infant!!! Problem is — I am being hounded by bill collectors and one debt is about to be turned over to an attorney for collection. I feel certain that this could end in wage garnishment. We don’t have the money to make ends meet — let alone have any part of my wages garnished. I’ve tried making arrangements but we just can’t make the payments no matter how minimal. Should I file for bankruptcy? How can I avoid getting my wages garnished? I have no problem with paying the bills if I just had the money.

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]]> http://whentofilebankruptcy.org/filing-bankruptcy-or-the-best-way-to-get-out-of-debts/feed 6 Is there anyway to expunge a repo off your credit report? http://whentofilebankruptcy.org/is-there-anyway-to-expunge-a-repo-off-your-credit-report-2 http://whentofilebankruptcy.org/is-there-anyway-to-expunge-a-repo-off-your-credit-report-2#comments Fri, 04 Jun 2010 12:01:12 +0000 admin http://whentofilebankruptcy.org/is-there-anyway-to-expunge-a-repo-off-your-credit-report-2 my car got reposessed last week, any they won’t let me get it back by bring the late payments current at all. So what’s next, will i have to hire a lawyer? When will they take me to court? Should i file for bankruptcy?
well they said they wanted the whole balance, which is 12,000
well if they sue me for 14k, then i would have to get a lawyer and proceed to file for bankruptcy, which i never wanted to consider, ever
i was a few months behind and it was not a buy here or pay here lot, i tried making two payments but my check bounced

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]]> http://whentofilebankruptcy.org/is-there-anyway-to-expunge-a-repo-off-your-credit-report-2/feed 5 I'm stuck in a rut because of a car repossession … any suggestions? http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions-2 http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions-2#comments Wed, 02 Jun 2010 12:00:39 +0000 admin http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions-2 I was young, (22yrs old) had 2 jobs and made good money. I decided to trade in my old junk of a car and buy a brand new car. I had no credit history so my then bf helped co-sign for my new car. My interest was sky high but I didn’t care at the beginning because I had no idea what I was doing. I paid a very large amount per month and then after about a year, I lost my main job. A few months after that, I lost my other job. I now was collecting unemployment and went through HELL to make sure that car was paid off every month. I started making late payments and my life was just a mess because not only did I have to pay for that car, I had the insurance, rent, etc. I was no longer able to pay my car and that day came when Mr. repo came knocking on the door. They took my car after 2 years of me working my butt off and they auctioned it off for SO cheap (almost had a heart attack at how much they sold it for!)

This was in 2008 and 2 years later, I’m still struggling financially in more ways than a hundred lol…I have really bad credit, I can’t even open a bank account and I feel like my once so organized and amazing life is now totally off track. I don’t know what to do. These are my questions:

1. If I open a bank account, can my lender seize all my money? Not a savings, a checking account.

2. Being that I did not pay the upside down on the car (,000) should I file for bankruptcy and is it too late to do that after 2 years? And for those who want to suggest that I pay off the 16 grand, I’m not because I’m not going to pay for a car I don’t have anymore and you might say well you’re stuck with it you should have never bought a car you can’t afford I don’t want to hear it because you don’t know my story. I want serious answers, not answers that are going to sound mean and not help.

If there is anything that I’m missing? Please, any advise would be GREATLY appreciated. Thanks in advance :)

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]]> http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions-2/feed 1 I'm stuck in a rut because of a car repossession … any suggestions? http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions#comments Sun, 30 May 2010 14:35:23 +0000 admin http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions I was young, (22yrs old) had 2 jobs and made good money. I decided to trade in my old junk of a car and buy a brand new car. I had no credit history so my then bf helped co-sign for my new car. My interest was sky high but I didn’t care at the beginning because I had no idea what I was doing. I paid a very large amount per month and then after about a year, I lost my main job. A few months after that, I lost my other job. I now was collecting unemployment and went through HELL to make sure that car was paid off every month. I started making late payments and my life was just a mess because not only did I have to pay for that car, I had the insurance, rent, etc. I was no longer able to pay my car and that day came when Mr. repo came knocking on the door. They took my car after 2 years of me working my butt off and they auctioned it off for SO cheap (almost had a heart attack at how much they sold it for!)

This was in 2008 and 2 years later, I’m still struggling financially in more ways than a hundred lol…I have really bad credit, I can’t even open a bank account and I feel like my once so organized and amazing life is now totally off track. I don’t know what to do. These are my questions:

1. If I open a bank account, can my lender seize all my money? Not a savings, a checking account.

2. Being that I did not pay the upside down on the car (,000) should I file for bankruptcy and is it too late to do that after 2 years? And for those who want to suggest that I pay off the 16 grand, I’m not because I’m not going to pay for a car I don’t have anymore and you might say well you’re stuck with it you should have never bought a car you can’t afford I don’t want to hear it because you don’t know my story. I want serious answers, not answers that are going to sound mean and not help.

If there is anything that I’m missing? Please, any advise would be GREATLY appreciated. Thanks in advance :)

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]]> http://whentofilebankruptcy.org/im-stuck-in-a-rut-because-of-a-car-repossession-any-suggestions/feed 2 how can i get myself out of debt.? http://whentofilebankruptcy.org/how-can-i-get-myself-out-of-debt http://whentofilebankruptcy.org/how-can-i-get-myself-out-of-debt#comments Mon, 24 May 2010 09:37:24 +0000 admin http://whentofilebankruptcy.org/how-can-i-get-myself-out-of-debt im about 5,000-6,000 in debt…i can never make my monthly payments because i have 2 kids to take care of…every paycheck goes to paying the bills,food,gas,and my credit card payments…any advice about what should i do?….does credit counseling really work?…should i try to get a loan even though my credit is REALLY bad now…or should i file for bankruptcy????…help please!!!….hate being broke for the mistakes i made when i was younger…

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