I used to be very responsible with my money. I have about 3 years worth of college but never finished with an bachelor’s degree. I used to work and have a great life and my own apartment. When I moved back home, My very negative mother and somewhat controlling parents greatly rubbed off on me. I have had trouble ever since. With college, jobs, and money and ended up filing bankruptcy, because I was trying to rebel against their lectures on credit cards. Now I cant do anything. My mom has become this mean dictator, and I see her true colors. My dad just doesn’t understand. I need to get an apartment and I know I could keep my job after I got my own apartment. I’d just visit my friends and limit my time with my negative mother!
Do you think there is any chance the bank would loan me about 1,500 dollars for a loan on an apartment?? I am also a part time college student.
thanks so much.

Okay. My dad is a selfish manic depressive ass who occasionally takes all the money and flies to Manila to be with an online girlfriend. He does this, and somehow gets away with it, despite being in bankruptcy and under court order not to leave the country. In any case, he has been a financial problem, and other kinds of problems, for Mom, and my family, all my life. IF he comes back this time, I don’t want Mom to pick him up from the airport and play along with him till the bankruptcy is paid off. The lawyer "discovered" 8k additional in debt!! when they thought they were done by this coming December. I live near them to watch over them, but not close enough to have panic attacks all the time over worrying for their violence and whatnot. My brother has moved FAR away coz he wants to kill Dad. My sister is a top scholar at a great university and doesn’t need this junk. I put off my dreams to put her in a good spot, but I don’t know how many more years…coz I want MY dreams now… BUT
But part of achieving them is knowing my mom is in good shape and not in danger from him, and that he is in good shape, not in danger from her. I think, since he is an untreated bipolar, he could go to an institution for rehabilitation or evaluation and help for a little while, but he would prolly charm everyone there and not get helped, coz that is what he does to people, he charms them. Mom and my sister will put him in jail if he does anything "off", but I want him to go to "help" when he gets home, if he comes back this time. Am I being unsensible? Also, should I go ahead and get that extra job….
Or stay out of it and just do what I want. Mom thinks I should worry about getting raises and going up at the work I have now, and forget her.
I’ve tried to get her to move out. She says she won’t coz then she will lose lots of money, that she has to stay on that property till the bankruptcy is paid off and then file for divorce. I don’t know why she is being so stupid about it, when she is smart, when she should just "cut her losses" and move away.

My dad is in heavy debt; approx. k. He is considering about filing a bankruptcy. What happens before, during, and after he files a bankruptcy? If he hires a lawyer, what are the fees? How would this affect our lives? And we already live in an apartment, are they going to kick us out? Please keep it in simple terms. Thank you.

- We live in Virginia by the way.

Here’s the deal.. I know I’m going to graduate with loans that I will be paying off well past retirement. There are a lot of things I want to do in my life and paying for the overpriced cost of my education will no doubt keep a tether on many aspirations. Supposedly, the only conditions that will allow repayment to be terminated are either death or bankruptcy. What’s to keep me from filing for bankruptcy? Are there qualifications to be met? Why is it not a common thing? My dad filed for bankruptcy and he was back on his feet in less than a year. Do the negatives outweigh the positives? If not, how can I fake my own death? (just kidding about the last question)

I finally left when I couldn’t take his drinking anymore. He is in the house and he loves the house — he should have it. I am just wondering what would seem fair in a divorce settlement on it. I know he can’t borrow against it right now to pay me off, as we are in the midst of filing bankruptcy — but we have had the house for over 16 years and I am looking for something fair for both of us when it comes to the division of this property. Our kids are all grown and on their own so there is no child custody issues. We also own shares in a business together and I would like to see him keep half the shares. I would like to stay on his medical coverage but am not seeking any spousal support — even though he made 45,000.00 last year and I made less than 8,000.00 Is there a lawyer online that would be willing to advise me as I file my divorce online? I don’t have any additional money to actually obtain an attorney and I don’t want all the attorney costs. I just want my life back.
My children understand why I left, however, they do not understand why I want the divorce — since they don’t want to deal with the option that someday I may meet someone else…this is the attitude of my grown children. The call thier dad homer and say he is like a big brother to them.
My children understand why I left, however, they do not understand why I want the divorce — since they don’t want to deal with the option that someday I may meet someone else…this is the attitude of my grown children. The call thier dad homer and say he is like a big brother to them.

I used to be very responsible with my money. I have about 3 years worth of college but never finished with an bachelor’s degree. I used to work and have a great life and my own apartment. When I moved back home, My very negative mother and somewhat controlling parents greatly rubbed off on me. I have had trouble ever since. With college, jobs, and money and ended up filing bankruptcy, because I was trying to rebel against their lectures on credit cards. Now I cant do anything. My mom has become this mean dictator, and I see her true colors. My dad just doesn’t understand. I need to get an apartment and I know I could keep my job after I got my own apartment. I’d just visit my friends and limit my time with my negative mother!
Do you think there is any chance the bank would loan me about 1,500 dollars for a loan on an apartment?? I am also a part time college student.
thanks so much.

I have had a horrible time for the past 7 years. I have been in a child custody battle that cost ,000. I broke my leg last year and spent a month off work with no pay and no insurance coverage. I previously spent several months in the hospital sick while pregnant, and my child died. I was off work for 6 months. I helped with expenses from my dad’s funeral. Anyways, I did not mean to end up so far in debt. I have a ,000 judgement against me from the custody suit. I am owed ,800 in Child Support from the dad. I took out cash on my credit cards to pay my attorney. I have to cloth my daughter, and I use the coupons I get from Kohls and JC Penny since I have credit cards with them. I don’t use the cards anymore. I never charge more on them then I can afford to pay off. The problem is that my low interest rates are ending. All of my no interest for a year deals are up, and thanks to my debt I cannot afford the payments any longer. My husband and I refinanced our home…
I owe ,000 in credit card debt, because I had to pay a lawyer and use a credit card to live when I was sick, for funeral expenses, etc. I didn’t buy luxury items… This was all prior to my marriage to my current husband. Actually I didn’t buy anything on credit. All I did was combine cards to best rates to afford the lawyer… I had to fight for my daughter. I couldn’t let it go because of money!

I f–cked up and had to file Ch. 7 and I had an American Express Card Blue for students, as we all know Ameircan Express is one of the harder cards to get even though Iwan’s really bad at paying them late, since I had to include the card in my discharge, they have me in the system as a previous cancled account. I want one of their delta frequent flier cards that reward you with delta for every mile you spend, I wish I knew someone in their office I could pay to approve the application, but its automatically done online, any ideas how to get back in good standing? My dad said wants he lost his even after 10 years he still couldn’t get it back, I guess they hold grudges!! Any ideas?

Here’s the deal.. I know I’m going to graduate with loans that I will be paying off well past retirement. There are a lot of things I want to do in my life and paying for the overpriced cost of my education will no doubt keep a tether on many aspirations. Supposedly, the only conditions that will allow repayment to be terminated are either death or bankruptcy. What’s to keep me from filing for bankruptcy? Are there qualifications to be met? Why is it not a common thing? My dad filed for bankruptcy and he was back on his feet in less than a year. Do the negatives outweigh the positives? If not, how can I fake my own death? (just kidding about the last question)
I see that most of you are against it. That’s precisely why i asked this question, to hear it from people with life experience.
As far as this question making me come off as a deadbeat, I have no guilt when it comes taking money from the govt. for my education. I’m as hard working as anyone else who pays their taxes and unfortunately, I don’t get much say in the rediculous things they waste my money on overseas rather than putting it back into their country for higher education that is open to the public like they do in Europe. I make nearly nothing and have several ongoing medical conditions to battle(which i don’t have insurance for by the way since that’s not free either) while working AND going to school. How much did FASFA award me? -Absolutely NOTHING. I’m paying k for school this year in all loans(which the govt. was eager to give be paid back in the absence of their donations). Now, …who’s taking advantage of who?
Forgive me for my lack of empathy.
Open your eyes.
Haha… yes, I am going into the fine arts.
Is it any coincidence that the majors that make the least money are the most expensive to go into?

First and foremost I want to say thank you for all answers I recieve. This is obvisously not an easy time in life and all answers are carefully read, as I hope that you take into consideration all that my situation entails.

When I was 19 I set out to get myself a great credit score, something both of my parents could never do. And I did, I went through my credit report took off somthing that my dad had put in my name as a kid and got my first credit card, making on time payments and just having a balance of on the 0 limit. Well, then I, after my dad moved and other bad things happened in life (theres a long story there) I kept getting more and more cards I think trying to distract myself from my situation at the time. So I eventually realized that crap I was in a lot debt (00) which on my Starbucks paycheck of 0 bi weekly and rent in Detroit and car repairs, I was already making minumium payments so I moved to Charlotte NC to stay with my mother and pay this off. I got into debt counseling (which I feel was a mistake) I reduced all my payments from 0+ a month to 200. Well now I live in TN where the taxes and cost of living is lower. I sold my piece of crap car for a whooping 0 after it broke down and my gf and I have been sharing her car for the last 4 months and the budern as been great on us both.

Now I find myself so stressed. I let my dad use my eBay account after he lost his job so he could start making money to help himself live, but he sold stuff he didnt really have and now my paypal accoutn is at -00 and he hasnt paid on our cell phone plan (which is under my name) going for a total of new debt thanks to my dad (this is all dad related) to 00.

Well My credit card debt hasnt moved too much. And heres roughly where I lay now:

-00 in credit cards being paid off through credit counselling
-00 in medical bills I havent even touched (oh and I dont have health insurance either I took another job that promised more money but turned out I dont get medical for another 6 months)
-00 because of my dad and my sere stupidity
-00 in student loans (which I know cant go away with bankruptcy)

————–
Total = 800

I make 12000 a year and I cant just get another job because I dont have a car and my gf and I share one. I never thought I would consider this move but Ive tried for years now to do it the honest and hard working way and its gotten me nothing.

If you have a question go to my profile and click email me! Thanks!
I know that filing that would mean I couldnt get a car loan and some places wouldnt hire me but trust me that doesnt seem like a bad sacrifice even though Ch 7 would be on my record for 10 years. And once again thank you!

ok this is what happened,
my dad took all my moms credit cards and charged them all at a store he knew and sent it all away to his country, and we are broke, my dad is ruining our lives. All the bills are coming in and it is clear that my dad will pack up and just disappear one day. My dad did this before about 9 years ago, and if he does leave, we dont want this bills coming down on us, can we end it?

I’m a college student in my junior year. I live in an area where most businesses are student-friendly and flexible with hours, but I cannot get a job that pays a high enough amount to cover cost of living.My parents pay tuition and books, but I pay everything else-phone, car insurance, untilities, rent, groceries, gas, etc. My problem is that I’m in debt-about 00-but I can’t keep up with any payments. Currently, I make enough to make rent and utilities and I basically don’t eat. I don’t qualify for foodstamps, but my credit has become so bad that I don’t qualify for any credit cards. My parents will not cosign a student loan, so I don’t qualify for one & they make enough money that I don’t qualify for FAFSA.
I’m considering declaring bankruptcy but I don’t really understand what that means. I’ve looked around a little online& found debt consolidation sites & even someone that says you can convince the credit companies/agencies to take 0 for a 00 debt. Opionions/help plz
The buses don’t run enough for me to not use my car and I’ve already cut my phone usage back to nothing but emergencies. Most of my debt is gas (to get around and to go home for holidays) and groceries. I’ve stopped going out a long time ago because my bills were piling up but I can’t seem to catch a break or get any help.My parents said I got myself in this mess and I need to figure it out myself. The thing is, I qualify for the state to pay for my classes, so if they had just said they’d pay even part of my rent I wouldn’t have had to get credit cards just to feed myself!
Sorry if that sounds rant-y but that’s how i feel. I understand that they just wanted me to learn financial responsibility, but I haven’t had any kind of allowance since i was 10 and have been buying toiletries, shampoo, clothing, and lunch/food for school, and school supplies for myself since I was 13. I know it sounds ungrateful, but i just resent it when kids say "its okay my dad/mom pays the bill on this:
I have filled out the FAFSA forms every semester since I started college and am always mailed back a letter saying I don’t qualify.

I don’t have a long enough or good enough credit history to get a student loan without a cosigner
I have filled out the FAFSA forms every semester since I started college and am always mailed back a letter saying I don’t qualify.

I don’t have a long enough or good enough credit history to get a student loan without a cosigner

My dad is contemplating filing for Chapter 13 because he built up too much credit card debt and can’t pay it back. My student loan is in deferment right now and will be until I graduate.
haha, man what a waste. I DEFFERED not defaulted my loans and f*ck you grand lake bum I’m not black.

because my friends grandma passed away and his dad died 4 years before and then this past year his grandma died (she was the 1 who filed it) and his dads brother(who is adopted) was living there and then he took over payments and it wasn’t willed to him but he took over payments and now hes trying to give it to my friend and he wants to know how he can get it put in his name and all that and so that way he can take on payments and live in it

Why is it soo wrong to file bankruptcy. I just asked a question because my dad might have to and someone called him a piece of ****, WHy? My father has worked hard his whole life to take care of me and my 5 brothers and sisters and with trying to give us everything we needed to give us a good life…just like school clothes and little things. We did not get whatever we wanted…in know way like none of us had a car until we were over 18, and we all bought it ourselves, we didn’t get things like laptops, cameras, ipods, things like that at all..but it still costed alot to feed and clothes us and keep a roof over our head. He is searching for any other possibility right now, because he needs to retire he needs to get off his feet. He has little circulation in his legs and it is very hard on him… and he can’t with all of the devt he built up over the years.he doesn’t want to at all but with not other alternatives…why is it soooo horribly bad. and please don’t be MEAN I just want to know