I am facing bankruptcy. Can someone share their experience with me privately? djspocket@yahoo.com

I am scared to death. We are seriously considering filing Chapter 13. Will our credit card company just cut off our cards? They have already lowered our credit limit from ,000 to 0 a month due to a foreclosure. I have not been able to find a job in the real estate industry which I believe is due to this foreclosure.

I am going through a hard time and after having good credit need to file BK unfortunately. The attorney quoted ,000 to file for 13 and ,000 to file for 7 so I wanted to know why one is 1/3 cheaper. I read online that the 13 says you have to repay the debt, so what would the point of filing BK be if i don’t have the money after I lost my job to pay it? This is in CA if that makes a difference.

I am going through a hard time and after having good credit need to file BK unfortunately. The attorney quoted ,000 to file for 13 and ,000 to file for 7 so I wanted to know why one is 1/3 cheaper. I read online that the 13 says you have to repay the debt, so what would the point of filing BK be if i don’t have the money after I lost my job to pay it? This is in CA if that makes a difference.

Where can I get reliable, accurate statistical information about job growth, unemployment, inflation, cost of living, cost of healthcare, number of bankruptcies, number of people on welfare, etc, online? Is there anywhere? I don’t want to go with whitehouse.gov because I don’t exactly trust it. However, I do believe there IS a government agency that keeps track of some of those things. I’d accept their email or phone number, but I’d also like any independent organizations anyone can give me.

I am 30 years old, will be 31 this year. I never was on a real date with anyone. I been out with people as just friends and in groups, but most of the time I was dragged along as a joke, let’s get the quiet guy drunk and laugh at him type thing. I did at one point be able to get my own house, but I had to sell it because I had to get out of the military and could not longer pay for it, because I have a hard time running because I am so fat. It took me a year to find another job, and I had to file bankruptcy and now I can’t even get approved for a secure card. I lost three apartments and spent most of my life living at my grandmothers because I had no place else to go. I have another apartment now, but lost my job because I kept going online at work to check and send emails, so I am probably going to lose this place as well and end up back at my grandmothers. I never been in a relationship, never been with a girl sexually. No one ever wanted me, people used to pretend to like me to just later laugh at me and tell me it was all a joke. That or they say oh I love you like a brother and it would be too weird to be with you. I am ugly as hell and balding and my hair is already turning gray. I am quiet and keep to myself mostly, as I found most people don’t listen to me even when I try talking to them, I can stop talking in the middle of a sentence and walk away and they would not even notice I was there in the first place, or they will just talk over me or change the subject, so I just gave up long ago, and don’t even know how to talk to anyone anymore. Every time I try, and I do try hard to get my life back together something happens and I get knocked right back down to the ground and it is so hard to keep on trying to pull myself back up. I am tired, so tired and alone. I never had any real friends, most friends I had all abandoned me or turned out not to be real friends and I have not talked to them in years, every time I try to call or email or MySpace them, I just get ignored. I try to better myself, I started working out, I am going back to school, I started saving money to get this place I am in, but then my job goes away, and my savings run dry and I am going to lose this place and have to drop out of school as I won’t be able to pay for it. Nothing I do ever works out, and I am so alone and tired. I am just a failure and loser, and I don’t know what the point is anymore.

What is the difference between Chapter 7 and Chapter 13? My ex has about K in credit card bill she can no longer pay due to job loss. She has talked with a credit agency but simply can’t afford the monthly payments.

Hi.. I recently was served with a summons and complaint that states I have twenty days to respond to it in writing to the court or I will be faced with a default judgement. I have looked up alot about this online and found out that in my state (indiana) I can file a "Motion to dismiss fo failure to comply with rules" if the plaintiff did not have a contract written instrument not attached to the complaint and summons, and it did not. I still need to call my court here in my county to be sure that it is the rule before I can try this though. I need to know how to word my answer if I would go with this route and if even if I dont I still have to answer to avoid the default judgement. I know that I need to go through and deny each complaint that is numbered on the sheet but I do not know how to word it exactly. The reason that I am being sued in the first place is because my b/f and I had a couple credit cards that I was a joint on with him. He was always the one responsible for making the payments. He ended up having to file bankruptcy, and once the case was discharged it automatically made me the one responsible for the amount. I have no way of making any kind of payment on it at this time. I have been out of work since 2007 when i found out I was preg with my daughter and i have been a stay at home mom since. So i know that the judge can not order for any kind of wages to be garnished and I do not have any assets for them to take, so most likely its just going to be on my record and if I would get a job or any money withen the next ten yrs or so id have to pay it then. Do I need to deny the complaint in my answer even though I know its true .. or will the judge just order me to pay it then because he wouldnt have been able to hear my story or i guess situation? The complaint states that 1. The defendant is indebted to the plaintiff int he amount of ***** plues accured interest of **** as of jan 2010.
2. Venue is proper with this court and based on the defendant residing in **** County.
3. The plaintiff owns and is the holder of an acocunt due and oweing by the defendant, and is the asignee of Elan/ Mainsource bank.
Wherefore the plaintiff respectfully requests the following relief.
1 Judgement against the defendant in the sum of ******* plus accured intesest of **** as of jan 2010
2 Interest thereon at the rate of 8 percent per annum from jan 2010 , and 8 percent per annum from the date of judgement , until the judgement is satidfied.
3 For plaintiffs costs herein expended
4 For any and all other relief to which the plaintiff may be entitled pursuant to contract, statute. or common law.

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!!

So I stepped on my pride and did what I didn’t want to do ..I filed for bankruptcy, Chapter 7, in January 2009. It was cleared and everything was discharged in May 2009. I am now interested in joining the United States Coast Guard Active Duty in 2011 sometime. I am curious if this is going to impact my enlistment. I have read numerous online entries, they all clash though. I saw a video on YouTube by a lawyer that states Active Duty military can file for bankruptcy and it won’t jeopardize their job. If that is so, how is it any different with someone who has a cleared bankruptcy that wants to enlist?
I understand this will interfere with security clearances. I am willing to deal with that to serve in the Coast Guard. Any recruiters, any advice? Please no trolls that are here to advertise or scorn me for having a bankruptcy.

So I stepped on my pride and did what I didn’t want to do ..I filed for bankruptcy, Chapter 7, in January 2009. It was cleared and everything was discharged in May 2009. I am now interested in joining the United States Coast Guard Active Duty in 2011 sometime. I am curious if this is going to impact my enlistment. I have read numerous online entries, they all clash though. I saw a video on YouTube by a lawyer that states Active Duty military can file for bankruptcy and it won’t jeopardize their job. If that is so, how is it any different with someone who has a cleared bankruptcy that wants to enlist?
I understand this will interfere with security clearances. I am willing to deal with that to serve in the Coast Guard. Any recruiters, any advice? Please no trolls that are here to advertise or scorn me for having a bankruptcy.

The couple was together for 11 years before the wife found out he was living a double life. He uprooted her and their child from the USA to live overseas to get more money from his job she didnt know about and have their home paid for, then he claimed broke (she trusted his word about finances and never checked since he was a high official in the FBI and never gave reason for mistrust). Wife went back home to close business for a month then she filed for bankruptcy because the business was failing due to economy, and her having to deal with it alone since the husband stopped caring about anything. He used all his money to provide for other women’s businesses overseas and paying for their familys. He was making almost 200k a year, and was suppose to have a second child with the wife the year she found out his ongoings. She picked up and fled the overseas country in fear of her life and her child being "stolen" back overseas. She was with him from the begining of his career, he purchased a house (that he lied about her name being on) near the wife’s family before they were married so they could be near them once they were. The state she is in doesnt recognize common law marriage and has been married for 7 years. He said he would provide financially for her forever (she has medical issues and now deals with getting herself together emotionally for her child after her world was turned upside down). Since she found out, he has completely changed and his academy award performance has turned to hate toward her, and even has said he was never meant for family life, and has decided he wants to stay with a girl that he has been having sex with from the time she was 15 and is now almost 19, then he asked the wife "what if I want to marry again and have more kids with someone else?". He mistreated the child in his behavior, never being home and claiming it was work, and bringing the child around the many women he was having sex with at the same time while the wife was in the USA closing their store. There is much more to this story, but these are some of the highlights. I couldn’t believe it until I saw it on paper and in pictures. What are your thoughts?
@ Bill – not to live free, she has medical issues and is dealing with more emotional issues than she ever imagined that’s placing even more physical stress on her body. She has been her dependent for the entire time of their relationship. Now being a single mother, if she is able to remarry, then of course she wouldnt continue to receive support, but should he have to until then. Considering he dropped her and their child off to live in her parents house (who were considering divorce themselves and the home was unstable) and they live in the basement of a relative’s home now since there were renters in their marital home, and even after they moved out the house was in horrible need of repair and had flooded with mold and everything. I feel so bad for them =(
@ ♫™!eM O’ LiL tsuJ♥ – two to divorce? I think I’m unclear…are you saying it was her fault she is seeking a divorce? Are you also suggesting that the person in fear of their and their child’s life should remain with this husband in order to continue receiving medical and financial support? Please tell me what you mean.
@ Lauraa – she does want to learn new skills to help herself help her child, but, the husband was making almost 200k a year, & spending most of it on other women prostitues and under aged girls. They were living in a huge home overseas with nannys and gardeners. She is not spoiled, and worked all her life until he suggested she stopped and they work on having their family. Even there he didnt want her to work bcuz of her health issues, and now add to that depression. Some health issues she has she was born with, then 2 more huge issues came up after she came back from overseas and had a full check up (so yes its almost lucky all that happened so she could find these issues and get them addressed). I don’t think of course she wants support IF she is able to remarry (which is less likely since she does have a child, health issues, and is in her mid 30’s). She is also faced with having a surgery that will help one of her problems, but could make her sterile. She wanted 3 kids w him

I’m an unemployed teacher and have just lost my car (my only asset) and am representing myself in my bankruptcy. My combined debts (assuming I’ll still owe about ,000 on my car once it sells at an auction) is approximately ,000. I do not have a savings and no longer have retirement accounts because I had to cash them out to cover living expenses. Twelve years ago I had to file bankruptcy and am concerned about how that will look to the judge. I worked to earn my college degree since then and was doing well when suddenly I found myself without a job. Any thoughts on that? My debts back then were fully discharged, and I’m hoping to file a Chapter 7 for another discharge of my debts. Here are some of my questions, any input would be appreciated:

1) Is there any kind of assistance available for people who cannot afford the filing fee?
2) Once I file, how long can I expect for the court date?
3) Does the online bankruptcy class that is required cost anything?
4) Can my 0 debt to the IRS (back taxes) be included or just the interest and penalties?
5) Any suggestions for someone doing this without an attorney?

I’ve done my research and am actively seeking answers to my questions, but there are some very informed and helpful people on this site, so for peace of mind I really welcome your input.

Thank you!

Hey,

Please read this, I need help – this depression is affecting my life dramatically…what do I do?

About a year ago, I let my dad borrow about ,000 because he was on REALLY hard times. I had worked all that summer as an EMT (I had earned my cert the summer before). I became an EMT to explore the medical field, as I want to be a doctor.

Anyway, my brother is a football player, and we both live at home. While I worked, he practiced, and he made no money. That is why, at the end of the summer, my dad had to ask for MY entire savings (to pay off the taxes, and to make the home payment).

Shortly after, I lost my job (layed off). I’ve been on really hard times too, but my dad has been paying for whatever I needed. At this point right now, he has actually already paid back a total of ,000 (necessities over that year).

So here’s my problem. I’m not mad that I had to lend my dad the money. In fact, I believe that if I were an only child, I would have been happy to lend it to him.

What I’m mad about…what I can’t stop thinking about…is the fact that while my brother got to spend his time playing football (we both go to a community college, and we both hope to transfer), which could get him a scholarship, I was working. Since I probably won’t get a scholarship (though I have a 3.9 college GPA with over 60 credits completed), as I’m not an athlete, I am REALLY starting to resent the fact that my dad would take that money from me. It doesn’t seem fair. My brother spent no time on work, he earned no money, and therefore he was asked to contribute nothing to the family. Because I worked (even though I, too was working for my future, just in another way), I lost everything. Now I basically wasted a whole summer, I don’t have money to buy a car when I go away to college, and I"m just generally trying to resist becoming bitter over this whole thing. That is what I’m most afraid of – is becoming bitter. I’ve always been fun loving, but lately I’ve been feeling so much anger over this. I feel like my dad messed my whole life up.

There is no way I can ask for the money back now….my parents got a letter in the mail yesterday – it was a notice of foreclosure. Today my dad called a lawyer, and hired him to represent us in a bankruptcy case (as my dad has no income, we might have to go chapter 7…lose the house).

See what’s going on here? gah I feel so frusturated. I feel like my downfall was the fact that I tried to plan for the future. I wanted to save money up, and I did, and now its gone. My dad keeps telling me he’ll pay me back – but I go away to college next year, I need it now. I’m going to either UCLA, USC, Cornell, or Dartmouth.

I am getting ,500 in financial aid next month, which will help, but I’m afraid he’ll ask for some of that – and how can I say no??? But I want to say no. He is a sinking ship right now, I need to salvage all the money I can!

I know I can’t go to college with only ,000, but it bothers me so much that it is gone – especially in light of the fact that my brother contributed nothing. It would’ve been better if I hadn’t worked at all, and just spent the whole summer doing community service or something to put on my resume..though I did put EMT on my resume.

What do I DO??? I don’t want to let this experience ruin my life. I’m letting it take the joy out of everything. I can’t enjoy school this semester, I"m not even talking to my friends as much anymore – just because I"m thinking about this. I can’t live life this way anymore!!

I live in Illinois and have been in Chapter 13 bankruptcy for over a year.
Cheryl G. – They said today this would be filed on 12-31-09. If I were to bring my account current before then, would they still be able to follow through?

I lost my job, that is how I got behind. I am now getting back on my feet and will be able to pay on time each month starting in January. The mortgage company was very mute when I asked these questions today.
Frak 1A12- I haven’t received the document, nor has it been filed yet, that was my reasoning for asking.

I am nearly 000 in credit card debt total and I am unable to pay my bills and I am looking at filing bankruptcy, but I don’t know if it is a good idea to do? I also wanted to know what company is the best for filing bankruptcy. I know that after I file I wouldn’t be able to get an apartment or a car or a job due to me being a bad risk of getting anything, but I wanted to know how much does it cost to file bankruptcy and is it a one time fee payment or is it per month? Please help me. I really would like to get a fresh start and have my life back again. Thanks so much.

What do you do to fix your life when you’ve had to file bankruptcy, a teen turns to heroine and steals everything (but is 26 now-living away)– too little too late now – all gone, you lose your home after cancer, you’re working very hard, you owe a lot of money to a lot of people, your cars keep breaking down, you owe the IRS, you have no health insurance, you lose your job (lay-off) and can’t pay car insurance, car insurance lapses and then you can’t get new insurance because it costs MORE because you "let it" lapse, you can’t get ahead because bad bad things keep happening – for years and years and years (not a new thing), you are feeling helpless and hopeless. There’s no help out there because of course you "make too much money" for assistance. No family to help (you don’t want to take from anyone anyway) and you are afraid to wake up every morning? Plus you have a wonderful teen who deserves the WORLD and he’s gone without for many years himself because of everything?
Added after reading answers
1. I am a female
2. I am not the drug addict – my son was. There was a lot of advice about 12 step programs and don’t do drugs. THAT ISN’T MY PROBLEM. I’m NOT asking because I’m feeling sorry for myself. I’m explaining HOW THINGS GOT BAD and wondering how I can get out is all. "Twiddle your thumbs and feel bad for those without thumbs?" First of all, I’ve been one to give my last dollar to a hungry man on a street. The answers I was looking for were some positive real answers from possibly someone with background in this type of thing. I’m looking for real answers – not for you to feel sorry for me. The praying part IS A GOOD ANSWER – and hearing others stories help too (thank you). But the rest of you, if you are going to answer the question, read the question.

now if it weren’t for my previous job lying to the unemployment security department and telling them that i quit, then i wouldn’t be in this situation, but unfortunately i am. i haven’t had a job for 9 months and the economy is terrible. i’ve been trying with every strength in me to get a job, but unfortunately nothing has happened. i already lost my apartment, and the only thing left is my car. and even that, i’m 3 months behind on. i have so many bills and probably owe about 5k to medical bills and credit cards. but the main thing i’m concerned about is my car. i still owe about 8k on it, and have paid about 4k. i have absolutely no money. and my parents don’t have jobs either. i’m basically screwed.

do i qualify for bankruptcy? i already have HORRIBLE credit, and i’m not all that concerned about it. would i be able to keep my car? i honestly don’t have anything else to my name of any worth at all. not even a cell phone. i’m finally going to have my 3rd unemployment hearing (after 9 months they still haven’t made up their minds), and if i do get the money, i could use it to get out of debt since i’ve been claiming for so long. it’s the only thing that could help right now, but i can’t count on. i just absolutely CANNOT BELIEVE that my employer LIED and put me in this mess. i’m only 20 years old, trying to go to school, and i’m basically homeless. i have to live at my friends houses and ask them for money.

i guess they can take my pride and my self-worth, but they can’t take my life right?

I am currently in a long and overly stressful (stupid) divorce. I am a 32 year old father of 2 children. 1 tween girl and 1 5 year old boy with learning and speech problems. My soon ex wife has decided that the kids are too much trouble for her and lets them run wild when she has them on the weekends. she also likes to use the lawyer to inflict as much pain and frustration as possible. I try to be a parent but it is an up hill battle after they get back for the weekends. They trash the house and dont want to help take care of things.
I work ALOT and have the kids 80 percent of the time. I dont have daycare or babysitter. I work when I dont have them and if I need to, I take them to my office with me.
I lost about 65000 dollars so far on her (wiping out savings /lawyers and everything. then she ran up 40000 in credit cards. I ended up having to file chapter 13 bankruptcy. I suffer from fibromyalga and do everything I can to get through a day and take care of my kids, job, housework, pay bills. I ended up loosing my car to the bank and driving now a old KIA. I loved my car too.
I feel like I have lost everything. I am alone. I feel like I cant win against the world. Everyday I am in pain. I cannot tell anyone because I am afraid that it will cost me my kids or my job. I dont know what to do or where to go. I am broke, stressed out and lost.
please give me some advice so I can continue to be a parent and stop feeling this bad.

My credit is terrible I have quite a few accounts in collections, charged off and delinquent and wage garnishment. Some of the accounts are not mine but the process of filing a dispute with the credit bureau has proven unhelpful because they would not remove the accounts. So I am trying to move forward in my life and get my finances and everything together but I am not sure if I should file bankruptcy because I feel like I can not obtain new credit anyway and either way it would take at least 6 months to a year to show that I am being more responsible but my main concern is my garnishment that will stay on for about 20 more months and I really need that extra money due to the fact that I am a single parent trying to get on my feet after leaving an abusive relationship and I just don’t know what to do. Morally I think the right thing to do is to pay off my bills but I don’t have any extra money to do so the money they are taking from my wages could be used to pay off my debt but the only way I can get it off is to file bankruptcy so what to do I am very confused and defeated right now please any advice on finances that could help!!
when I say the accounts are not mine that means I did not sign anything I did not ok anything and I was unaware of the accounts until I looked at my credit report. I have had my personal information stolen on 2 seperate occasions so while yes my name may be on the account I did not sign for them. I am woman enough to admit the accounts I opened I neglected but I do not want to pay back money for accounts or loans that I had no part of and I do understand that bankruptcy will effect my credit for years to come but I have 2 kids a job and school so yes finding another job sounds logical but physically and mentally I am not capable right now of taking on that extra stress and losing the 4 hours of sleep i get each night now. Thank you all for your insight and help Busso, Melvin and Irv thanks a lot you guys your answers don’t make me feel like a complete idiot.

They met on an online dating service. It’s only been 1 month. They are already "so much in love" that they are calling my kids and themselves a "Family". She has a dead in job, making minimum wage and her youngest kid is 16. She must see this as a chance to get out of her crumby life and start over and raise kids again (my kids are preteens). They are even talking about remolding the house.

Yes he has the kids and the house…..why….because he ran up ,000 in debt in MY NAME while I stayed home and raised the kids for 12 years. He wouldn’t let me leave with the kids, besides I had to file bankruptcy and he made sure I had nothing he even took the cars, witch were in his name. He planned this from day one…to make sure I owned nothing, to leave me in so much debt that I wouldn’t be able to leave. Why did I leave? Because he was so emotionally abusive! I couldn’t take the pain anymore…it was that or kill myself. I wanted to take the kids, but I had no money, nothing to sell, no family. I was screwed! At least the kids are still in the same school, have the same friends and didn’t have to leave the only home they have only known (this in my only solace)

Now she is moving in on my family…and he is telling me I am spending to much time with them. And now he wants more money from me. I give him all the money I got already. He wants more money because of her. They are even going on a "family" trip for Easter. This is Bull it’s only been one month. What are my rights. this isn’t fair! I lived in that house for 12 years…now it’s going to be her’s. now she’s going to take my kids. now she’s going to take my pay check and make me starve.
WE HAVEN’T BEEN TO COURT YET, THE KIDS WERE NOT REMOVED FROM ME.
I left because he treated me as a slave, he was emotionaly abusive, he was controlling. He said that if I took the kids he would kill me. and believe me…and believe that!
I stayed for as long as I did because I thought I could sacrifice myself for the kids. I thought I could wait till they were out of the house. I was wrong. It was killing me. and I realized that it was unhealthy for the kids as well.
I guess my two biggest problems is that he shouldn’t be moving someone in with the kids of only on ONE month. IT’s not right…it’s to much! And he shouldnt be asking me for more money. I already pay for ALL of their expenses. (i.e school supplies, lunches, clothes, shoe, activities sports, medical) and I don’t make that much!