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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My husband got laid off and is in the middle of trying to get a job at Walmart where I work. I know his self esteem is low because he doesn’t have a job right now, but I’m tired of him complaining about everything. It just seems like everything I do is wrong. I come home and all I hear is gripping about everything. I’m trying so hard to get us through this tough time, but sometimes I get so exhausted trying to be a good wife, mother, student, and worker. I’m in debt up to my eyeballs and about to have to file bankruptcy. I’m so stressed out. I don’t want to make him mad by saying anything, but I’m tired of providing everything and getting not even a thank you in return. Should I say something or just wait it out til he gets this job and see if his attitude changes? Or should I be the bad guy and say exactly how I feel: I’m doing everything for everyone and still when i get home I get nothing but shit on.

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Im in the military, and despite everything you might of heard about having alot of $$, its not all true. Im just looking for a way to make some extra cash, it doesnt haft to be much, but more than i invest would be a great start! I recently heard a story today that before this guy left for a deployment, he invested ,000 in an unknown stock, (the person who told me didnt know where he put it in) but in 2 weeks he came out on top with ,000!!!! Now thats insane to me, if that was possible thatd be amazing but im guessing thatd be as lucky as winning the lottery right?? hah, well im looking for any tips or anything that i should watch out for or scams or anything you guys have to offer me it would help, and is it like i hear some friends say when there like "o invest in like walmart theyll never go bankrupt!" or "invest in potato chips, those are always good!" and how much money should i start to put in? just to start? or go all out like my friend and put 00 in?

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I am married to a man 14 years older than me and we have been married almost ten years & I married him at age 20. Through the ten years he was very mean, cold, and aloof but I had my reasons for staying mainly because I had a sick child with him and no help or place to go. I never stopped trying to work on my marriage & I never cheated. As our ten year anniversary approaches I am seriously considering leaving now. Although, he isn’t as monstrous as he was, he is still not loving or affectionate but more so nicer than what he used to be.

I thought things had gotten so much better between us & that there was hope. I stuck with this man through everything from him just filing bankruptcy to him being diagnosed with high blood pressure. I have catered to him and fought off bill collectors & so much more! However tonight I discovered something very hurtful.
He began attacking me earlier in the day by saying I don’t clean the house and this and that. To make a long story short I figured out how to open his work phone that he locks and I checked his text messages just to find a woman saying good morning sunshine last night was great and this morning was OMG with a smiley icon next to it. He was home all night and this morning but he knew the person because the number was programmed into his phone under a business name WALMART. Then another woman wrote and said that she can’t let 2009 go by without telling him she luvs him and how much he means to her life. He did not even delete it so it must have meant something to him. After giving my all I think its time to say screw him and his finance’s, his blood pressure and his whorish ways. I want to finally live for my child and myself. I have never lived before and now I know how much I don’t mean to him: )

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ok so i looked on my credit report and i seen that i have alot of debt heres what i owe
30,000 in hospital bills when i had my daughter
700 in cc debt not that bad
3,000 for a repo car
2,000 in other debts
so i owe a little over 35,000
and i dont have a job i`ve been looking for ANY job even fastfood jobs but nobody is hiring
my husband makes only 1,500 a mo
all of our bills come up to about 1,200 a mo thats without car gas and food so that only leaves us about 300 for food and gas !
i really want to pay off my debts but i cant and they keep going up should i file bankruptcy and what would that do to my credit does it ever go off my credit

we live in a kinda small town not to meny jobs i put a profile up on care.com and sittercity.com my husband did have a second job for about 5 mos but got fired because it was slow we thought about moving but we dont have the money to move and we have cell phones no land line we just we only pay about 60 a mo for cable and internet i`ve been useing the inter net to try and find jobs out of town so i dont want to get rid of my internet
we never get to spend money on clothes forour selfs we do for our daughter we dont go out to eat we always eat at home which gets boring
i even beged for my old job back at walmart were i worked for 3 yrs

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