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I’ve had a crappy life. I’m 33 years old. I have mild spastic cerebral palsy, epilepsy, adhd, low testosterone, and I’m infertile. I’ve been robbed 3 times at gunpoint, had one vehicle stolen, another vehicle repo’d, had a blown out knee cap, and have claimed bankruptcy.

Overall, I’m pretty well sick of life in general, not suicidal or anything like that, just sick of all the b.s. that I’ve dealt with in life. I’m depressed all the time, suffer odd mood swings, I have no ambition or drive anymore. I want to move on past all this crap. I’m tired of feeling this way. I want to get my life back on track again, but I have no money to get professional help.

What can I do to move forward and to quit feeling like sh*t?

Any Suggestions?

I have a friend that has over 000 in credit card debt.He makes approx/ 000/year.He has conferred with an attorney who has told him he needs to file Chapter 7 bankruptcy.Would it be better to file bankruptcy or charge off the credit cards?Which one would take the shortest timeline to be removed from his credit ?He just can’t continue at the rate he is going now ,trying to pay the minimum payments on his cards and pay other debts as well(mortgage,auto,utilities,etc)He is desperate and needs some insight.

I know I qualify for Chapter 7, I have been to a couple of Bankruptcy consultaions, I just need to get the lowest cost for an attorney, including filling fees.

I am in chapter 13 (3 years into it), still have about 2 years left to pay everything off. My car is under this BR and the engine is shot and the transmission is going out. I need a car for work. The dealerships I have talked to said no bank would finance me even with an approval letter from the trustee of the BR. Any advice at all? I found good used ones from individuals but again, I would need a loan. I’m stuck with no way to work!!

While in a Chapter 13 bankruptcy what happens if a creditor contacts you for payment that is included in case and creditor has been notified? We are 6 months in and all with courts have been taken care of and payments are going through trustee. Could that creditor be in violation of an order?
This creditor showed up at our home demanding another resolution to the payment

HSBC stopped sending me my bill in nov.2007, I thought it was odd (I have never missed one payment in the 3 years I have has this loan) I called them,and was directed to "national bankruptcy hotline" and tried to register online to pay and it would not let me.So I could not get thru to HSBC. Turns out my co-signer (my father!) filed for chap13 bankruptcy, and my car was dragged into that. So here I am not paying my bill for the next several months, thinking that ok when the bankruptcy is clear, I can start paying my bill again, my father’s lawyer did not even know what was going on. So in feb.2008 I receieve my FIRST notice in the mail from HSBC stating if I make all late payments (total 1500.00) by a certain date, they will not pursue the car, and it would be like I never missed a payment at all. I paid it of course, and have been making my monthly payments since then (even though i still dont receive a bill).

I checked my credit, and i have a negative account with HSBC stating a charge-off on the auto loan 4 months late payment and late payments as of 06/2008!!!!Past due amount:10,200$. I am completely frustrated, I have been making my payments every month now! I even tried to dispute the claims and nothing happened. I talked to national bankruptcy hotline since no one at hsbc will say a word to me, and they said since I made the payments late, it doesnt even matter even if the car is in a bankruptcy. So now i just want to sell my car, and pay if off, just be done with the whole mess. Is there any possible way to get this cleared from my credit? Thanks for any advice!

CA has always spent frivolously, but with the economy at its current state, people are saying CA is about to go bankrupt.

Would it be a bad idea for me to move to the LA region to attend graduate school? It’ll be 4 years of my life, and I may possibly stay there after becoming an optometrist. Should I just avoid CA all together? How will CA’s financial status affect me personally?

Why does everyone hate the IRS? I don’t get it.

There was this person complaining on here earlier about having an online business that crashed in 2000 along with alot of other companies and as a result, he has to pay the government extra money every year with interest because he owes them money he was unable to pay because he had to declare bankruptcy.

First off, if you go bankrupt, it’s YOUR fault. No one else is to blame.

Secondly, the government needs that money to pay for schools and other programs. The IRS is a good thing.

I know that occasionally the IRS may fine people too much money and charge too much interest, but how do they expect people to pay them back if they don’t take aggressive measures?

Also, if you have a business, you need to incorporate it. This guy didn’t do that. It was his fault and to all the other whiners out there, I have one thing to say:

Shut up and pay the money and fines. It’s YOUR fault for getting into debt.

What do you think?

i recently filed a chapter 13 bankruptcy. this is also known as the wage earner plan. now what i would like to know if anyone who filed chapter 13 does it all and all do better for you than if you filed a chapter 7.

My husband and I are considering filing chapter 7 bankruptcy. We rent a mobile home and are making payments on another piece of property outside of town where we are in the process of building a house. We still owe ,000 on the purchase of the land (original price was ,000). The house is partially finished and we are doing the work ourselves (foundation and walls are up). Would we lose this property or would we be able to keep it?

I have found many hosting companies, like X-Drive, that offer online file backup. what I want is a guarantee, by, say, a major insurance company, that insures that if a company goes out of business or files for bankruptcy, the files would not get lost.

this should be offered, but it seems none of the major file storage sites bother either offering such a guarantee, or fail to mention it in the FAQ or promotional material.

Thanks!

I am getting a divorce. The mortgage on my house is in my name only. The title is actually in both names. My soon to be Ex-Husband still lives here, he is refusing to pay the house payment. He wants them to foreclose on me. I want to sell the house and use the equity to pay off some debt. The total equity after selling the house would be about ,000. We have a total of other assets of ,000. The total assets we have are 0,000. The total debt owed is ,000. The equity and debt are supposed to be split 50/50, so 50% of the total equity left would be ,000. If I file bankruptcy would I be able to keep a portion of the 33,000 to hopefully have for deposits on a new home to rent, or such? My soon to be Ex-Husband would not be filing for bankruptcy. How would all this affect him?

as well i need to know how long before a house goes in to foreclosure as well as do you file bank. before forcloure or after?

Freinds and family tell me to stay where I am and file bankruptcy. I have some "mental issues". However, I have not given up on myself being able to be a functional and productive part of society. Because I am having a baby and don’t like public employeement. I would like to work from home. I really appreciate what SSDI has done for me. I would like to pay them back, along with my bills. I have been scammed. I can’t afford that at all. I am intellgent. Not the brightest, however, not stupid either. I have been trying to find out about Gov’t Grants- that aren’t scams- that I can pay back. Does anyone know anything about them or working online? Please help. Thankyou. P.S. Prior to my illness I managed.
Terry, I hope you flip back to this. I am obviously doing better. I obviously, am going to take myself off disability. I have NO intention of giving my baby up. I don’t appreciate your answer at all. You have no idea about me, what’s wrong, or my progress. You need to inform yourself more about types of mental illness and people who are learning to"cope" with it. There are so many success stories. I Am one. I did not ask for opinions. I asked for ways I could help myself to become debt free and independant. You seem not to have any respect for that. Everyone else Thankyou, the information is very helpful.
Terry, I hope you flip back to this. I am obviously doing better. I obviously, am going to take myself off disability. I have NO intention of giving my baby up. I don’t appreciate your answer at all. You have no idea about me, what’s wrong, or my progress. You need to inform yourself more about types of mental illness and people who are learning to"cope" with it. There are so many success stories. I Am one. I did not ask for opinions. I asked for ways I could help myself to become debt free and independant. You seem not to have any respect for that. Everyone else Thankyou, the information is very helpful.
P.S. I am not asking for an easy way out- That would be bankruptcy.

my secured debt is about 1.9mil and unsecured of 585k

I have looked online, and gotten nowhere. My credit score is too low for prosper.com due to a recent bankruptcy (divorce!) and my current AmEx debt (keep reading). I don’t have a co-signer. I do have a great job, and the only reason I need this loan is because I was living in an area with an extremely high cost of living (Orange County, CA) and used my corporate AmEx for personal reasons and now have to pay it off or risk losing my job (I have been placed on probation, and get emails about this a couple of times a week). I have since moved (they allowed me to transfer) to Portland, OR, and kept my same CA salary. So, technically I could pay a few hundred a month to pay down the card, but my company wants it completely paid off within the next 60 days. Can anyone help? And, no, I will not fall for the "you send me $ then I send you $" scam.