So I have bad credit my credit score is 458, I experienced with credit cards right when I turned 18 no one told me what kind of damage they could do I am paying the consequences now. I am 25 going on 26 and I am considering bankruptcy. I have sat down and reviewed my debts and I am thinking that I can probably pay some but they are old from when I was 18. The last think that hurt my credit the most was a car that I purchased and had to let go it was repossessed, and I am now being sued. I have been stressing out so much about all this I will outline what I owe below and I would like advise about what I should do file or try to pay things little by little. I live pay check to pay check am a single mother and only make 10.00 and I only work 30 hours to 35 a week because I have doc appoints for my son or he gets sick or I have to miss work because there was no school and I can not afford a sitter. So please give me some advise I am young but I have already ruined everything I know that
bankruptcy will stay on my credit for 10 years but honestly I don’t think anything else matters . This is what I owe
Credit card 2000 capital one
Credit card 1000 verizon
credit card 500 exxon
credit card 800 walmart
apt 2000
apt 2000
repo 5000
medical 5000
These are all rounded numbers and I don’t know if I can really afford to pay this I have to go to court concerning the car in may please help need advise
These are all cards that have been closed and are on my credit everything is on my credit. I don’t have a hs diploma or ged so it’s hard to find a better paying job. I have tried looking for a second job but no one can work with my hours I work 9-6 every day. My current bills are
rent 640
light 150
food 200 month
gas 40 week
and thats not including emergencies such as doctors co pays meds, and personal necesities
I do have family but they always back out on me I have learned that I have to do everything on my own and I can not count on anyone but myself. I have not tried debt consolidation because I thought that your debts had to be current and mine are not but I keep getting collection letter and calls I keep changing my number and it’s getting old because I dont know how these companies get my new number I don’t even have a regular cell it’s pre paid, and where I live now my mom got me the apt i’m just tired of all this

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I am considering filing without an attorney. Situation is a wage garnishment for an 11k judgment that looks to be for credit card. (I’ve been disputing this for years trying to prove it’s fraud but clearly haven’t been successful – another story) Background: single mother, head of household, 2 kids, one student loan about 7k, one car loan, about 7500 left to pay, don’t own property, no assets; all my earnings go to rent, household and child care. I’m not behind on car or student loan payments. I just can’t afford wage garnishments and I think a bankruptcy is my only option to cease the garnishments. Since this 11k judgment is the only debt I need discharged in the bk, I think I may be able to manage this on my own instead of hiring an attorney that I can’t afford. Anyone have personal experience with this or with paying for a sevice that helps only with paperwork?

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I received a notification in the mail that my wages are being garnished by a credit card company, for an outstanding debt. I cannot afford for this to happen because I am a single mother of my daughter. How much or what percentage can be garnished? I live in Maryland. I read on a website that they can take all but 0 of my check a month. Is this true? I am currently unemployed but I have had numerous job interviews. I assume that once I become employed my wages would be garnished immediately. I am thinking of filing bankruptcy because I have other credit card companies that will be coming after me for money that I do not have. I heard bankruptcy can be filed online to save money for a lawyer. I do not have money to pay a lawyer. PLEASE HELP!
Yes, I did have a court date but I did not go because I knew I owed the money and I did not have the money for a lawyer.
I’m afraid if I don’t file bankruptcy I will have no money left to raise my daughter. I owe about 00 to different credit card companies. Can they all garnish me at one time? If so, I may not have enough money to get my daughter what she needs.
thank you so much for your responses. It is a huge weight lifted off of my shoulder. So you think I should not file for bankruptcy? How long do you believe it would take me to pay off the 00 debt? Once it is paid off, will my credit go back up, with time? I have a car loan but it is on time.

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hello…
I’m a 22 years old single mother and I’m in debt. I have so many pass due bills like cell phone bills, traffic tickets, etc… my credit score is like 300-350. i don’t wanna file bakrupt and i don’t have the money to pay all these bills. Are there any alternatives to filling bankruptcy. Please help
WOW… HOW RUDE

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I had to file bankruptcy 08/2005 after my divorce so my credit is poor. But I am needing to refinance my loan? I am single mother who is trying to find ways to cut payments? Anybody please help????

Technorati Tags: bankruptcy, divorce, single mother

Hi, I am a 27 year old single mother and I am wondering if there is any way that I can still save my credit. When I was 18 I went crazy with credit cards and when I was about 19 I lost my job and was not able to pay any of them back. I got to a point where I just gave up because I thought I would never be able to pay them back. I am constantly receiving bills from law firms and one of them has even frozen my checking account.

I am finally in a place in my life where I can afford to pay all of them back (I figured the total amount I owe is probably around 11K) but I am wondering if it is worth it or if I should file bankruptcy. I would like to purchase a house in about 5 years so I need to get this settled. Any advice?

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