My husband died last month and I lost his Social Security Disability. I am going to lose the house. My pay was cut last year by 10 percent due to the economy. I owe twice as much as the house is worth. Lender won’t modify the loan enough to help (plus I have a second Mortgage). I can’t short sale…. I want to talk to an attorney about whether it would be best to file bankruptcy or go into foreclosure. Both have long term ramifications and I don’t want any surprises. I need to talk to an attorney, but how do I find one and what kind?

Technorati Tags: bankruptcy, economy, foreclosure, ramifications, second mortgage, social security, social security disability, surprises

We have been married 30 years. 10 years ago he had a brain aneurysm at the age of 47. Docs say he should have died as they had never seen anyone live with this type of aneurysm. They had to inquire around the world to figure out how to operate so he didn’t just lay there and bleed out in his head. They received some ideas and they operated and he recovered quite well to everyone’s surprise. No short term memory though. 5 years ago he had meningitis & a staph infection in his brain. This set him back quite a bit. Over the last 5 years he has deteriorated in that I am back to helping him with personal care and everything else in his life. I am completely responsible for everything in our lives. We had to file bankruptcy after the aneurysm and we lost our home and everything else. I have worked hard these 10 years to get our credit back and to buy another home for us. My mortgage is cheaper than our rent was. He walks unsteadily with a hemi walker but often has to use his wheelchair. He was diagnosed a year ago with a melanoma in his eye and the optic nerves in his other eye are deteriorating so he does not see detail anymore. In the last 5 years my health has suffered greatly. I believe it is the stress of taking care of him. He has short term memory loss but he is still "with it". There is little decrease in brain function so its not like he is out of it and wouldn’t know. I have talked to him about it many times but he gets all teary so I stop. 5 minutes later he doesn’t remember talking about it. I get no help from our children or his family or mine. They all say just ask but when I do there is always a reason why they cannot help. I am not interested in finding a new man or anything like that. I just want to get healthy again and not have my life totally consumed with his care. I have looked into help at home but it would cost me 0.00 a month and we cannot afford it. he receives social security disability as do I. I also receive a pension from my past employment but he was self employed all his working career so he has no pension. Anyone have any ideas that can help me? I pray on this all the time but I never seem to come up with an answer that I am positive about. HELP!

Technorati Tags: 10 years, amp, bankruptcy, brain aneurysm, brain function, docs, emplo, hemi, melanoma, meningitis, new man, optic nerves, personal care, short term memory, short term memory loss, social security, social security disability, staph infection, stress, wheelchair

My husband has lost his job due to illness. We didn’t receive ANY money for about 8 weeks and then his disability from work finally kicked in. However it is only 60% of what his pay was.

We now have to move back to our home state so we can be around family to help us with many physical things we can’t do. They are going to foreclose on our house and we have given our car back. They have sold our car but there is still a balance of over 00 owed. When we get to our home state can we file bankruptcy for the debts we owe in the state we currently live in?

The only income we have is Social Security Disability and a surviving spouse pension from my late husband.

Technorati Tags: bankruptcy, debts, job, money, social security, social security disability

I have about ,000 in debts. Mainly from credit cards dating before 2002. I used to pay my bills on time, however, in 2002 I was diagnosed with a disabling illness and fell way behind on my bills. I no longer am able to work and have been on Social Security Disability Insurance for 6 months now. Would it be worth filing for Bankruptcy? or should I just wait till the "7 year reporting period" from creditors have passed, and not file? I really want to improve my credit rating ASAP! Also, I live in California and I’m planning on moving to Texas very soon. IF I should file for BK, Should I do it in CA or TX?

Technorati Tags: bk, credit cards, credit rating, creditors, debts, filing for bankruptcy, insurance, security disability insurance, social security, social security disability, social security disability insurance

My mother recently inherited a sum of money from a family member that passed away this past year. She has told me that despite the inheritance she and my father will have to file for bankruptcy. She has no income and my father only get’s Social Security Disability checks in the amount of 00 a month which they currently use to keep up their home and vehicles. Can someone file for Chapter 7 bankruptcy in this situation?

Technorati Tags: chapter 7 bankruptcy, disability checks, family member, inheritance, social security, social security disability, sum of money