I have had a troubled life, starting with my awkward teen years, being a teen mother then losing custody of my beautiful daughter which led to a 10 year drug addiction. I have been married twice and I am in the midst of filing bankruptcy for a second time. During this time I have tried to end my life out of despair. I am in my 30’s now and I have successfully got myself off of drugs on my own, without professional help. I have gone back to school and next Friday I will graduate from a technical school. I cannot find work in my field and I am increasingly getting depressed with each day. I think about how I have nothing. I live in my boyfriends house and I frequently get reminded that this is HIS house, which I already know. It just hurts. I feel like I belong nowhere at all. My daughter is almost 16 and she wanted to move in with me from where she lives many states away. That fell through and I cant stop thinking about how I have missed out on everything in her life. I am penniless and I can’t even buy my own shampoo. I am sick of people having to help me financially. I feel so alone. I don’t know why I bothered to make my life better. I should just use drugs again because at least I didn’t have to feel the pain when I was high. I need a break and I never can get one. I hate life and I am starting to think its better to be dead. I have nothing and lost everything. I will never have another child so I never will know what it is like to be a mom. I have missed out on everything and I think I want to die now.

Technorati Tags: beautiful daughter, boyfriends, despair, drug addiction, drugs, filing bankruptcy, midst, mom, next friday, second time, shampoo, technical school, teen mother, teen years, troubled life

I am 25, married, and own a small home. Due to very slow payment (I pay mortgage with student loan monies when they arrive), my house is going into foreclosure. I also have a lot of debt from medical expenses, and hubby has major debt (car, credit cards) from his teen years.

I have enough money to reinstate my mortgage without filing some type of bankruptcy. However, that would leave me with no lump sum of safety money. I do work, so I could feed myself – but I never seem to have enough income to pay for regular expenses AND my mortgage. So, if I don’t file bankruptcy and I catch up/reinstate my mortgage…I know I’m going to fall right back into the "non-payment" category again.

Is catching up my mortgage better than filing bankruptcy? What about the other debts that I have? How is credit affected?

(I’m going to grad school, so I have many years of being a poor college student left. I just need to know what I should do about my house and other bills in collections)
Husband is college student too. Together our income is still VERY tight on making all payments on time.

Yes we have cell phone – but no cable/internet/home phones. I don’t know what else to cut.

Technorati Tags: cable internet, car credit, cell phone, collections, credit cards, debts, filing bankruptcy, foreclosure, grad school, hubby, loan monies, lump sum, medical expenses, mortgage, poor college student, student loan, teen years

I am 25, married, and own a small home. Due to very slow payment (I pay mortgage with student loan monies when they arrive), my house is going into foreclosure. I also have a lot of debt from medical expenses, and hubby has major debt (car, credit cards) from his teen years.

I have enough money to reinstate my mortgage without filing some type of bankruptcy. However, that would leave me with no lump sum of safety money. I do work, so I could feed myself – but I never seem to have enough income to pay for regular expenses AND my mortgage. So, if I don’t file bankruptcy and I catch up/reinstate my mortgage…I know I’m going to fall right back into the "non-payment" category again.

Is catching up my mortgage better than filing bankruptcy? What about the other debts that I have? How is credit affected?

(I’m going to grad school, so I have many years of being a poor college student left. I just need to know what I should do about my house and other bills in collections)
SideNote to a response on student loans: Student Loan money can be used for any of the following reasons, not limited to: tuition, educational supplies, food, housing, clothing, misc. necessities / personal items, technology purchases (hardware & software), etc. My lenders are VERY aware of the fact that I am investing in my future by paying for current expenses with loans. Hence, the reason that most lenders always mention "housing or room & board expenses" and are very inclusive on those types of expenses.
——-
Forget to add: Hubby is also college student (not a bum in case you’re wondering).
——
Again, mostly just wanting to find out which Bankruptcy would be beneficial considering my other debt.

If I pay up the mortgage/reinstate – how long will it take of on-time payments to have good standing / good credit again?

Technorati Tags: amp board, board expenses, bum, car credit, educational supplies, filing bankruptcy, foreclosure, grad school, hubby, items technology, loan money, loan monies, lump sum, medical expenses, necessities, student loan, student loans, technology purchases, teen years, time payments