Ok, my husband and I are in about ,000 in debt, He lost his job so he gets unemployment which the amount doesn’t even cover all the bills, I don’t have an education (I do take classes to get my G.E.D.,they take up my entire day; literally. I will be finished with it on May. 31,2012),so I am currently unable to work. We don’t go out to eat at all(strict diets and we hate people to serve us).We don’t have any extra expenses because our families pay for mine and my husbands cell phone,house phone, cable, and my husbands car insurance bills. His check is gone as soon as we get it so we had to get food stamps and medicaid just to help keep food in the house for our son and ourselves. I can’t get a loan for school to go to college when I finish, I have been told that if I file for bankruptcy then I won’t be able to get a grant,by a friend. I hate being in debt, having to rely on family to pay our bills , and not ever having any money,even though I am grateful to have a family who is willing to help us out when we need it. I
have done a lot of research on this matter and even went to 2 different financial planners who have both said to file for bankruptcy is our best option. We own an ugly old trailer(only worth 00 and 1 automobile worth 00, with a initial property value of 00 so every thing we have is safe from the property liquidation process). Oh yeah did I mention we are expecting another child? So I have advised a plan:

Plan:( we usually receive 00-00 in income taxes FED and 7 State, Husbands pay check 00 monthly even)
1) File for bankruptcy after I get my income taxes.(Filing for bankruptcy can cost in between 0-00per person if filing separate or 0-00 if filed together and we have someone who owes us money who is going to pay for out credit counseling courses and test, still no where close to what he owe us).We are filing it together.We would be filing for Chapter 7 Bankruptcy.
2)My husband and I would then open up a secure loan at the amount of 00 each that has a 6.9% interest rate and fees.
3)Now that all of the numbers have been ran, it is going to cost 04.11 per person to pay off the secured loan ( I figure we just open up a savings account, each, with the loan and put in 4.11 per person to cover the cost) and make automatic payments from said savings account for 1 full year. As I am sure every one knows the longer the on time payment history is the better credit rating you will receive. ( I figure we will need to do this for 5 years)
4)Take my husbands pay check and open 2 secured credit cards per person for 0 each with an interest rate at 1.5% .(only so low because it is secured, We both have terrible credit)
5)Turn around and pay our monthly bills with the card( bills and monthly hygiene products equal up to 2 monthly without paying off debt,we won’t have any more.)
6)Turn around again and pay off the cards with his pay check (our parents each said that they will give us 0 to pay for our 1st months bills free and clear as long as I finish school , so 00 cash total.)
7)Do this for 5 years while putting the released funds from the secured loan in a separate saving account at the end of each year for a house down payment(,000 plus interest)
8)Now 1 year after we set this up we will have 2 children, 1 will be 6 the other will be almost a 1.I will be finished with my G.E.D. education, Already started college( I found out the you can still get grants if you file for bankruptcy, they even have grants for people and student who have filed for bankruptcy,so my friend was wrong.)So now I can start saving for my children college,I chose the Gerber Life College Plan, I can pay 06.12 annually from my income taxes so that they will have a fair amount to get them started(I am only getting ,000 per child).
9)Still 1 year after plan started, use the some of the money form my taxes to open up a life insurance policy for the family, I chose 1 for 0,000 and is 2.09 a year(,000 per person).
10)Still 1 year after plan started, put the rest of our income taxes (about 07.68) every year for 4 year in our saving account for the house down payment(a total of 030.72 plus interest)

Ok so about 6 years into the plan we will have about ,000 in savings for a home, a credit score of at least 700 FISO (each), a good size life insurance policy for the family, a college graduate, A working college fund for our children, and an eye out for a modest home.

So my question is, Will my plan work if we stick to it? Oh yeah take in affect my hubby isn’t going to be unemployed forever and neither will I.

I am thinking of filing for bankruptcy and this company was online, they prepare all the documents with the information I give them and let me take as much time as I need. How can I check them out and see if they are for real and reliable? Any ideas where to look for this information?

I am considering filing for bankruptcy and have two unsecured loans totaling about ,000. Does a BK cover this? Also, what is the difference between a Chapter 7 and a Chapter 13.

i guess what im trying to say is that the house we are trying to purchase has been for sale for about 3 months. We have received a ratified contract and were told we were going to close on jan 20th now we cant b/c the owners filing for bankruptcy chapter 13. Why would they file after the bank has took their home? Why wait so long too? And how can the bank sell thier home if there is a possibility of the owners getting it back?Now we might not get the house i am so confused

I have two student loans out and was considering filing for bankruptcy to try and consolidate both loans into just one low cost loan. In any case…What is the best choice if claiming bankruptcy was an option that I am willing to endure. Also in filing bankruptcy if even at all I can, what would be the best cost efficient (cheapest) way to go about doing so when taking legal action and lawyers if needed?

My wife has Borderline Personality Disorder. She has sexually cheated once 8 years ago (full affair) with a "friend" of mine that I was hanging out with weekly and made out and groped with an old MARRIED high school sweetheart for hours and hours one night 4 years ago, then had an online emotional affair this year….but she embraces therapy and she has finally been properly diagnosed after a decade of misdiagnosed and ALWAYS knew something was wrong inside, something bad wrong mentally – should i give her some time to see how she progresses?

The problem is that it’s killing our kids when we fight. I found out 6 months ao all at once about her past from her. Divorce can trigger the disorder in our children if they have gottten the genetic factors of the disorder, I believe our youngest has the genetic predisposition. he shows early signs to look for in children. Abandonment (divorce) sets off a self-loathing and self-blame in people with the disorder as well as many forms of abuse.

Me leaving is what I want to do, and there are no garuntees that her meds wont lose effectivity as they often have in the past. I am not getting any younger at age 42. We were well-off once, but her impulsiveness in spending has broken us and we are filing for bankruptcy. 80% of all we had was attributed to my earnings. She hs not been a homeaker at any time. i feel i can get out of the poorhouse if i did not have her to be concerned with. the disorder has made me a caretaker of her and her crippled mother and i have given myself away slowly to where there is little left of me after this revelation of her infidelity. I have PTSD and cannot get it together to find a job when I used to be a high earner and all hopes of good schools for the kids are gone. but i am resourceful and could get it all back without her I feel.

Right now, with her new med doing the trick, it at least gives the kids a break from her raging and suicidal behaviors. If that returned, sheating or not, I would leave immediately. I am afraid the kids would be awarded to her. The courts are not educated on the fallout of this disorder. They are selfish people with no healthy fear of consequences. Parts of the brain do not consult each other and they tend to project all things bad onto the person closest to them. I am that person. So that justifies affairs and smearing me to anyone that will listen.

Borderlines are incapable of experiencing lasting joy or loving adults. they mimic love for children as they are arrested developmental children themselves. Children lie and do not behave or reason as adults. She has few reasoning skills which is why she makes bad decisions because she cant see consequences. They mirro people they are with. So if they hang with adultrous females, then they soon borrow that personality as they have no sense of "self". She has hung out with vile married women that cheat that she knew before they were this way, since childhood. They are all disordered women and formally diagnosed and all cheat. my wife is no longer allowed to go out, drink nor be with unapproved/agreed friends. That is how the therapist says it needs to be. I dont want to look like a controlling person to the world, but she needs watching. She is impulsive. i try to seprate the illness from the patient, but she says she 100% would leave me if i did what she did. but again, the kids are at risk either way.

Whomever responds should not have an easy answer for this one. one of our kids will be fine, the other may turn out to be disorder like her. Sadly, the youngest is at risk staying or going. i think our eldest becomes more at risk if I stay, but that is is she get custody for the school year period. We should live very far apart as Borderlines are notable for destroying you life for years post-divorce.

Also, should I tell the wife of the married man that she made out with and groped each other for hours 4 years ago while he had young babies at home with his wife watching them? I really need opinions on that as well.
Yes, i vowed "in sickness and in health" and she vowed to "forsake all others"…I have been there for 22 year of her sickness. The fact is, there is no cure for what she has, there is only treating the symptoms and her lack of impulse contol in matters of infidelity, staying out late, drinking, boobie contest because the other girls do it while I am watching our babies at home. make no mistake, she is accountable per her therapist. She is aware of what she does, she just doesnt think it through and selfishly doesnt think of the kids and how they lose.

I am only 25 years old and have a little over ,000 in revolving debt. About ,000 is unsecured credit card debt and ,000 is on a leased car. I am getting over my head in bills and falling behind by about 3 months on most of my credit card bills. I have creditors calling me and I avoid all calls now because they are so rude (as if I owe them personally). I am under so much stress that my health is being affected. I met with a credit counselor regarding debt management and came up with a plan to pay 0 a month to pay towards my debts, over a period of 5 years. I added it up and the debts I will be paying is only going towards the ,000 credit card debt and 0/month for 12 months for 5 years equals out to be ,000 that I will pay out on a 000 debt, well over what I originally owe. Also, I have done my research and debt management seems very similar to filing Chapter 13, so I am considering filing for a Chapter 7 bankruptcy, can somebody clarify what my advantages are over the disadvantages. I know that filing for bankruptcy is bad on my credit but I think that if I file bankruptcy it will be easier for me to save money towards big major purchases in the longrun. Plus I am only 25. Assuming by the time I am 30 it should be alll good right? Am I thinking naively? Also I was thinking that if I file before my fiance and I get married, it would be much better? Also what exactly do I need to qualify for a Chapter 7? Please help!!!!

Okay so I am a correctional officer right now, working on my degree online in criminal justice and i turn 23 next year, which are some of the requirements i have heard of to become an FBI agent. The problem is that I got divorced about a year ago and my ex husband left me with about 3 credit cards that were maxed out at the time, I cant afford to pay them, one of them is 00 alone, So when i get taxes back next year i am thinking about filing for bankruptcy. I read that to be hired into the FBI you have to have a credit check. So will filing bankruptcy hurt my chances of being considered for the job?? Please only answer if you know the answer, I really need to know!! Thank you so much!!

I am 17 years old (6 months shy of 18!), and I need money.

My family is filing for bankruptcy and I’m going to need to make some money to pay for college books and other (social and recreational) expenses. However, I get sick a lot and have a weak immune system, there are no jobs available in town, and I have no source of transportation. Working for a company online would be ideal for me. I could do it whenever I want, wouldn’t have to worry about being too sick, and countless other reasons. However, I can’t seem to find anything that suits me. I’ve looked at survey sites, but they all seem to be hours of work for 50 cents. I want decent pay for decent work. I don’t expect to "get rich quick" or anything like that, I just want a job that will pay at least 10 dollars for an hour’s work (as my friends who work at fast food joints get paid at least that much).

So basically: Decent (or well) paying job online available to a 17 year old that isn’t too much work for not enough pay. Is there anything out there for me or am I just dreaming?
I would also like to acknowledge the fact that I’m not looking for snotty remarks and worthless answers. I am aware that there are scams and pyramid schemes and stupid crap like that, I was asking whether or not there are jobs available online. I know for a fact that people work online (my dad’s friend Doug works online for an advertising company, he does graphs and calculations and that is a part time job for him), I was just wondering if any job like this existed for someone under 18 years of age. I’m not sure if "freelance" would be the right term, but I’m looking for something similar. Please refrain from comments that imply that I’m naive or stupid, because I am not and it just makes you come off as a judgmental and inconsiderate member of this community. Thank you.
I worked at a magazine for 7 months on a paid internship. I imput data, called advertisers, did research related to the magazine, formatted certain articles and edited many. I am a published writer as I have both a published poem and published articles. Those are (some of – I can’t list them all)my qualifications/experience. I don’t mind imputting data or doing mundane things like that, I just need a job because my family is desperate.

i’ve asked this before and after making a decision was ridiculously displeased. it’s no secret blockbuster is near filing for bankruptcy, and their shelves show it. new games often get a copy or two in and games are often difficult to get. a large variety of games aren’t carried as well. after likely over a decade of renting through blockbuster (eventually getting their monthly plans,) i attempted blockbuster online. i got it a week ago and haven’t received a game yet! to add, new games take over three months to become available online. i rented a fairly unpopular game from nearly 2 years ago as well as a game from 6 years ago while waiting to cancel my service. they claim said game from 6 years ago is at my house, and that the game from 2 years ago has a ‘waiting period.’ all newer games had a longer waiting period and this means of renting games sounds like a huge rip-off. i’m switching now to gamefly, but i’m fairly pessimistic at this point, as i hear negative feedback about gamefly as well. so i have to wonder – what is the best way to rent video games at this point?! new games are necessary to have available, speed is a priority, willing to pay (give or take) around what blockbuster was charging (about 23$ per month.) provided the service is quality, two games out at a time would be ideal, one would be acceptable if the service was exceptionally speedy. i live about 3 hours from pittsburgh (which happens to be where most rentals are shipped out from. netflix, gamefly, etc.) i hear from there to here would take 3-5 days. also, the more consoles (including older ones) offered, the better, as i still use and have a variety of systems plugged in along-side the new ones.

My ex lives in Minnesota, where we bought a house. When we divorced, the papers awarded him the house and mortgage. We had a good faith agreement that he would refinance to take my name off the loan. He did not and things have gotten pretty bad for him and he is filing for bankruptcy.

My name is still on the lien although the paperwork specifies that it is his responsibility to pay and refinance the loan. My concern is that the mortgage company will try to collect money from me even though I don’t live in the house and can’t make the payments. I also live in California now, so I’m not sure how (or if) that affects anything.

Any help or advice on how to protect myself and what to expect would be greatly appreciated!

So recently I have posted a car on eBay. It went up for the seven days that you have to bet on it but none of the bids went up to my price standards. The last bid was 12,500 and I was specifically asking for 20,000 because the car is not even worth in the 12,000 category, The title is in my hand I paid off the car so its not taking over payments situation. So the bidding ended and I refused to sell it to the last bidder and I filed a refusal case on eBay to not sell it to him, but the guy was threatening me if I didn’t sell it to him he would sue me. Cops were involved and i don’t know what to do if I have to sell it to him or not. In addition I’m only selling this car because I need to pay of debts and I’m also filing for bankruptcy and I can’t deal with this guy threatening me to sell him the car or he will sue me. What could I do? Please tell me as soon as possible.

I took a new job less than 2 months ago. The first month was HORRIBLE, but things have started to get a little better. I was constantly being blamed for the mistakes of the girl who quit before me and I thought about quitting myself every day. I stuck in there and I thought things were going better, until….. I was looking through the classifieds online yesterday and to my surprise, there was the same employment ad that I had applied to when I got this job and it was re-posted YESTERDAY. Now when I was hired for this job i was told that I would also be working at another company that the owners were opening a few days a week – working at both offices. I spoke with the owner yesterday about the advertisement and he said "no, your job is safe, I am looking for a girl for the new office, you’re staying at that office". A NEW GIRL??? that does my EXACT job??? The office that I’m working out has no business and I’m sure that they will be filing for bankruptcy in the next 6 months. There is certainly not enough work to justify 2 people. I think that they didn’t bank on me seeing the ad and that they are trying to cover their asses until they find my replacement. If they were thinking about getting someone new, why wouldn’t they have said something before putting the ad in? They also had the people responding to the ad send their faxes to the new location, which I’m not at (what you don’t know will get you fired I guess) I’m upset and I don’t know what to do. What do you guys think? I’m not crazy right??

So I am in big trouble and it isn’t even my fault! My parents are going through a nasty divorce and to make a long story short… my mom is filing for bankruptcy. Years ago she put me as an "authorized user" on her Macy’s card even though I never used it or made the payments. Now that card is going down with her and is in delinquency status! I am trying to buy a condo and when they ran my credit it was on there! I have begged her many times to take me off but she has not done it or says its "too late." I tried to call Macy’s myself to do it but they told me she has to do it. The loan officer told me there is some online way to dispute it and to have me removed through the Bureau. Does anyone know where this is??

Please any help would be greatly appreciated… my credit is otherwise perfect except for this!!

I was reading that Blockbuster video is filing for bankruptcy and that they plan on shutting down all of the Hollywood Videos.

Also, back in the day (80s and 90s) there were about five mom-and-pop joints within walking distance from my house and they are all gone now; the last one around closed in 2008.

It seems that downloading things online (legally and illegally) are putting an end to video stores; as well as mail-carrying services such as Netflix.

Do you think video stores will be extinct shortly?

I am interested in filing for bankruptcy. Last summer I bought a car and a week later my husband lost his job. I got a medical loan to help with a medical procedure last fall and got a new credit card to help pay the difference since we’d had about 2 months without his income. After this I found out he had relapsed and has been using our money to buy drugs (he had been clean several years before we got together). For a while his paychech was on direct deposit into our joint account, which is now severely overdrawn because of his bad checks. Now he has his own account and I can’t access it and therefore can’t pay the bills. I recently lost my job and despite the fact that I am a great employee, well educated, polite, and professional I can’t find work. My life has come crashing down and I am seriously considering bankruptcy. I haven’t made the best decisions but I’ve tried my hardest and I don’t know what else to do. My questions are:

1. If I file for bankruptcy do I have to sell my things, will they be taken in order to pay for our debts? I do have some items of monetary value but they all have tremendous sentimental value to me and you can pry them out of my cold dead hands before you can take them from me and sell them.

2. Can I keep making payments on my car and keep it? I live in the country, I need my own transportation no matter what or I’m stranded.

3. What about this recent debt, I know November was not that long ago for eveyone else but for me it feels like a lifetime has passed, is this too recent to be wiped clean?

And for those of you wondering why I’m not divorced yet, I want to clear the slate first so I can make a clean start for myself, I can’t afford to carry all of this with me.

Thanks for any help you can provide!
Okay, some things to clatrify:

1. How will "they" know what stuff I have? Anything of value was passed down to me from family, hence sentimental value. There is no paper trail of receipts or any documentation of any of this belonging to me.

2. I can’t move, I have time left on my lease and animals, I need the house and the property I’m renting and because I live in the country the rent is cheaper. I have a friend looking for an apartment in the city and he’s going to pay the same amount for something much smaller. Don’t even suggect getting rid of the animals, I’d rather die than give away my family. I need help but I’m not willing to write my self a one way ticket straight to Hell (figuratively and literally).

3. I’m making paymemts on my car, I can’t sell it. I don’t have the title, I’m making payments.

I have two student loans out and was considering filing for bankruptcy to try and consolidate both loans into just one low cost loan. In any case…What is the best choice if claiming bankruptcy was an option that I am willing to endure. Also in filing bankruptcy if even at all I can, what would be the best cost efficient (cheapest) way to go about doing so when taking legal action and lawyers if needed?

I am currently in the process of filing for chapter 7 bankruptcy. I have not yet had the meeting of the creditors. At the same time I am in desparate need of a new car. I spoke with my attorneys office and they told me to apply for financing before filing for bankruptcy. I have read online that the car could be taken away. I am seeking some guidance on how to go about this. I know that once the bankruptcy is filed my credit score will drop so badly that I probably will not be able to get a car loan, however on the other hand I am also afraid that once I file bankruptcy the bank will take away the new car.

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)

Well here it is…. im 33, i have three children two from a previous marriage and one from the current relationship I am in.I am a stay at home mother my fiance is great he works really hard to provide for the family (even my two children that are not his).That is the good part of my life now here is the crappy part of it…..My credit sucks!!!!! I’m really considering filing for bankruptcy as bad as it is right now I really don’t think I have any other choice.I have made a lot of horrible choices when it has come to money, but I want to change that I want to start over.Im looking for work online but haven’t had any luck.I want to be a good example for my children.Next, I love my fiance very much but he works 3rd shift and long hours(he just started this about 3 months ago) now it seems like we are just roommates.His sleep schedule is unconsistant we never get any "us" time, it seems like all he does is sleep eat and then back to sleep again.I want my relationship to work.
need advice
I have considered going back to work but daycare costs are too high. and my fiance doesn’t work long hours because I do not work he is required to do so for his job.