Hey everybody,

I’ll be 23 in a few months. I’ve already been married & we bought a house [but due to a pipe busting in the winter & causing a ton of mold & then five trees falling on the house in a wind storm that the insurance company did not want to fix], the home ended up going into foreclosure. The loan was not in my name, however my name was on the deed. I’m not married anymore & the last time I checked my credit, the house did not show up but, I think that was before it was actually foreclosed on.

He & I have two credit cards [probably 00 of debt total] that I have to pay half off of [so, about 00 right there.]
Then I have a Kohls & Macys card [about 0 total].
Then I have three other items that are not credit cards that come to about ,050.

Total, I have just a little under ,000 worth of debt which I know doesn’t seem like much but, after I deduct all my bills, I don’t have much money left. Things keep popping up left & right like medical expenses & tires for the car, etc & whenever I think I’m starting to get ahead, I end up even further in debt. I already have two jobs, I already save as much money as I can. Every bit of debt that I have has already gone to collection agencies so I can’t go online & pay on anything.

I’m just wondering if [since my credit is already horrible] I should just file for bankruptcy. If I did, would the foreclosure still show up [assuming that has affected my credit]? Would it be easier to rebuild my credit after bankruptcy or repair it by paying everything off? If bankruptcy is my best option, how long will it affect me? Will I be able to rent an apartment? What if a few years from now, I want to buy a house or condo? If bankruptcy is not my best option, is there any programs that aren’t scams that I could use to consolidate or something? Not sure if this makes a difference but, I do have a 2007 car that I bought brand new. I have three years left of payments & I’m current on it. I’m thinking about trading it in for a vehicle with AWD.

Serious answers only please. I’m trying to figure out what steps that will help me further myself faster. Thanks in advance.

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It never ceases to amaze me how liberals think money grows on trees. America is on the verge of financial collapse and the Democratic Party does nothing but try to cook up new ways to bankrupt the county.

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well I first lost my job, and now I’m in the process of losing my house from bankruptcy so I’m going to be homeless at the end of the month, what should I do? I can’t imagine myself living in a park or on street corner with everyone walking past me and neglecting me and beating me so is there an alternative to this? Is it possible that i could use a safety harness rope and climb on top of school buildings and sleep up on top there instead? I was thinking about dwelling in a treehouse somewhere in the forest but….there are bears there that can climb trees without any real effort and I haven’t purchased bear spray or a gun yet or anything…what can I do?? What would u do if you were in my shoes?? (Thank goodness I am single, phew)
i don’t have relatives and i don’t have friends

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