I have been pushed around and made fun of my entire life, I had no friends growing up, I was beat up constantly, and my parents were both drunks, so I got beaten at home too. My mother used to put out cigarettes on my head. It got that the school beatings were less then the home beatings so I did not want to go home. The kids in school got together and made an award for me as the most unpopular kid in school when I was in 6th grade. I graduated high school, and my luck never got better,during high school my parents got divorced and blamed the entire thing on me and said I was an accident, and they wish they had never had me. They both put on their item list that neither one of them wanted custody of me.Then I flunked out of college, couldn’t hold a decent job, I still had no friends. and that went on until I was 23 when I met my now wife, and for the first time in my life I was happy, she liked me for me, and she was good to me. A year and a half ago we got married, and she totally changed. She became very abusive and calls me an effen retard, and stupid a@@ all the time, and she hits me with things and smacks me calling me retarded. I had thought about divorce and then we found out that she was pregnant, and the first words out of her mouth were I hope that our kid is not a retard like you, so now I can’t divorce her. We also recently had to file bankruptcy, and I lost my car and my job, and up until recently have been unemployed for the last six months, and we got evicted from our apartment, and had to move back in with my dad. Let me tell you I am 26, and I still feel like a child, I get picked on from both of them, and my mother when I see her, I have no car to get away and no friends to hang out with, I am seriously considering suicide, but I don’t want to leave another child without a father, and I always swore I would try to be a better parent than mine were to me, but I wonder if I can be. I an not happy in my marriage and I would never cheat on my wife, but she doesen’t believe in sexual relations anymore, just to add fuel to the fire. I mean all my life I have never had someone that I could go hang out with who thought I was cool, and when someone tried to talk to me I tried so hard to get them to like me, that they all run away. I cry daily now, and just want to give up, I have no hobbies, I would like to learn how to ride a horse, and at 260lbs, everyplace I tried laughed at me and said I was too fat, I can’t fit in anywhere, and I am typing this as a last resort to see if anyone actually cares, but I don’t feel that I will get any responses

Technorati Tags: apartment, bankruptcy, beatings, child without a father, cigarettes, dad, decent job, divorce, drunks, effen, marriage, parents, six months, suicide, time in my life

I found a means test online and I took it, I did it two ways, with our income at the moment and our income in the last 6 months. Depending on how I did it, we either had a negative amount of money as disposable income (last six months) or we had a very low amount of disposable income (8) future 6 months. It said I passed the means test both times, of course I’m not positive if I did it right but I just went with what they had as deductions. If you are below the Median for your state and you pass the means test, will you automatically qualify for chapter 7? We have no assets except for a car we are still paying on. I do have an appointment with an attorney, I would just like to know what to expect.
And I know bankruptcy is looked down on, but we are desperate for some relief, we have had some bad luck and paying for everything we owe is just no longer an option. Only about a 1/5 of it is credit card debt.

Technorati Tags: amount of money, appointment, assets, bad luck, bankruptcy, chapter 7, credit card debt, disposable income, means test, median, six months, two ways

I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.

I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.

Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?

Technorati Tags: bankruptcy forms, bankruptcy protection, bottom line, court hearing, doctors, hasn, health insurance, insurance, insurance company, litigation, medical bills, six months, subpoena, wages

I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.

I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.

Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?

Technorati Tags: bankruptcy forms, bankruptcy protection, bottom line, court hearing, doctors, hasn, health insurance, insurance, insurance company, litigation, medical bills, six months, subpoena, wages

I am 21 years old when I was 19 I bought a car and took out a loan for it. Then six months later I lost my job and soon after I surrendered my car up to be repossessed. Then like six months after that I got a letter saying I owed the company over seven thousand dollars for the money they lost. also at the same time my sister who was 16 ran up my cell phone bill and i had to disconnect it. adding another 400 dollars to the already 900 dollar phone bill. Since I lost my job I was not able to pay these bills and when i finally did find a job I barely made enough to cover the bills i had. now I am just wondering if it would be easier to just file bankruptcy and start over or should I try to pay the thirteen thousand dollars. With all the stuff on my credit it comes up to a little over thirteen thousand dollars in debts. What do I do?

Technorati Tags: bankruptcy, cell phone bill, debts, dollar phone, job, money, six months, thousand dollars

Our six months will be up the first of october, and as of now we owe nothing, and have a savings acct, and a checking acct that bears interest on our balance. our credit rating was only about 400 when we filed.

Technorati Tags: checking acct, credit rating, six months

They asked me if I was working. And i said yes, part time. Then they told me to bring six months of paystubs. Do they ask about unemployment?

Technorati Tags: part time, six months, unemployment

My husband is 21, unfortunately he has made some horrible decisions in his life regarding money. He is now considered ‘high risk’ by EVERY loan company you can think of, including the NO CREDIT BAD CREDIT NO PROBLEM people, lol. Now his (not mine, my name is not on it, and please remember, I just recently became his wife!) car is up for repossession. He leaves for basic in January, and that will solve many of our money problems. However, we NEED this car, myself and my daughter, while he is in basic and up until that time. How long will it take them to come get it? And the real question I am asking is–with his credit being this horrible, and owing all this money that’s so terribly behind, should he just file bankruptcy?? I know it will freeze the repo and we can at least keep the car. He is only 21, I know that is young, but his credit report is four pages long–of crap he still owes. Would it be better to start over even with a bankruptcy? (my credit is good.)
That is–keep the car for an undetermined amount of time. His mother (imagine that, the apple doesn’t fall far from the tree) filed bankruptcy earlier this year and drove her truck for free for over six months.

Technorati Tags: amount of time, apple, bad credit, bankruptcy, credit report, decisions, high risk, loan company, money problems, repo, repossession, six months

About 3 years ago my life turned upside down, I had clinical depresion, lost my job and quit school. I did not care about the world, about six months ago I had major surgery and now I owe about ,000 in medical bills, I have a ,000 credit card judgment on my credit. I need a fresh start. How do I file bankruptcy? I don’t own anything, not home or car. What can I do? Please help me.

Technorati Tags: 3 years, bankruptcy, clinical depresion, credit card, fresh start, job, judgment, life turned upside down, major surgery, medical bills, six months

Can they get six months behind in paying these taxes and social security. If they go bankrupt and not paid my taxes they have taken out of my paycheck, am I responsible for paying the taxes.

This is a small company (15 employees). It seems they don’t do everything to the book.

Technorati Tags: paycheck, six months, small company, social security

About 3 years ago my life turned upside down, I had clinical depresion, lost my job and quit school. I did not care about the world, about six months ago I had major surgery and now I owe about ,000 in medical bills, I have a ,000 credit card judgment on my credit. I need a fresh start. How do I file bankruptcy? I don’t own anything, not home or car. What can I do? Please help me.

Technorati Tags: 3 years, bankruptcy, clinical depresion, credit card, fresh start, job, judgment, life turned upside down, major surgery, medical bills, six months

I need to file Chapter 7 Bankruptcy. My income for the last six months is about ,800, well below the median test for NY State. However, my salary comes from my small business, which is an S Corporation. I am the only owner, and I pay myself out of that corporation. Am I able to continue to run my company and declare Bankruptcy at the same time, or would I be forced to close the corporation?

Technorati Tags: chapter 7 bankruptcy, s corporation, salary, six months, small business