ok am the oldest of five,three of my siblings aren’t working,and the youngest sibling is in the navy stationed in FL. my mother has been gone now for about 3months are so. she was in a chapter 13 bankruptcy and the only thing she was basically paying on was her truck. her home is paid for. i am the only one who is concerned enough and looking out for all my siblings(not just because am the oldest) but because that is what my mom would want all of us to do. now my sister that’s right behind me has moved her and her boyfriend in my moms house been there since our mom was in the hospital and now even after the fact that she is gone. my brother that was living there wants to work but it’s going to be hard to find a simple job when he doesn’t have a diploma are GED. my sister that’s living there doesn’t want to work but does get ssi every month. my mother had been in that house for about 13-15 years. and a large sum of money my mother got back for my sister being on ssi helped her get that house. so my sister’s boyfriend but in her head saying that she should live in the house since her money bought it. but my mother bought the house for all of us. basically what i have been told is in order for us to keep my mothers house and to stop from paying off all her other debt that is in the bankruptcy i(since nobody else is working) have to continue to pay on the truck so that we wont get overwhelmed with the debt of the bankruptcy and eventually get my moms house taken. we also have to do a succession which is going to be another headache in itself because it’s like nobody cares but me. am in the state of louisiana. can anybody help me. i really want to keep my mothers house but at times i want to say forget everybody but that’s not who i truly am. help please.
oh and to add to it the same nite my mother passed i was the one to put it all on the table about how we would do everything. i told all my siblings it would be a family house and that we all need to be understanding to each other. now everybody had their own place but my brothers. the one in the navy, and the one who was living with my mother while she was alive. the only one i am concerned about helping is him. plus i dont want to sell my mothers house because i want more to remember her by. but is that selfish are just plan dumb? am trying to be the bigger person in this drama but it’s hard.

This is very difficult for me,so much stress,im 16, and i take online courses and its august already i have to finish this before school begins,im hoping to go into 10th grade,my mom is a single mother and i live with her,my sister 18 who is gonna graduate in January my brother 23 who dropped out in HS,my brother doesn’t do anythings he works a job that sucks,he doesn’t want to get a life,he doesn’t want to do anything and my mom lets him get away with it.But shes had it enough but he wont listen for Nothing!my father is selling my house for a low price cause its already been over 5 year.Our house that is being sold is so beautiful getting sold for such a Bad price.He pretty selfish,and now my father did his bankruptcy but now somethings gone wrong,his lawyer ripped him off,damn liar.I hate this so much.I cant take this Garbage.School is hard,and i have to finish,im on 2 semester which is my last and im done but im not even sure if i will go to 10th grade.My parents divorced when i was 12.This crap is hard as heck.Now i have to take care of some little girl who my moms friend needs me to and i cant even concentrate while i do my work and take care of her,this women has to live in my house till she finds one,i live in a duplex,its not easy,and i have to wait till 2013 till i graduate,i really want to help my mom,i hate that she suffers,she had to suffer so much with my fathers abuse,and now this,Ive been so angry since i was 13 till now,Ive tried counseling but it doesn’t help.I struggle to go to public schools because im a nervous person,i don’t speak much but the school im going to is where i know some kids but i don’t like them,How do i cope with all this Garbage?its so hard?please,and thank you for taking your time to read.

This is complicated. My mother took out 5 loans when she needed them the most. .. u know., those fast cash payday type loans, 2 in town and 3 online. She originally owed 1500 but now owes 2500 due to interest (if u add all the loans up). Now here is her situation: she became gravely ill in 2004 and had to quit work and due to major major (organ transplant ) issues and issues that have almost taken her life several times SINCE the transplant, she can no longer work and is on social security disability. Due to the horrible medical situation she was in for literally years where she spent the better part of two years in a hospital, she had to file bankruptcy 3 years ago. She also lives with my grandmother and they share a bank account (moms SSD and gramdma’s retirement she recieves each month. Now I have two major questions here: (1) what can they do to my mom? they can’t jail her or anything can they?? or take away what she owns ? (she doesn’t own a home just rents, she does own an old car. (10 plus yrs old) She said they never asked her to put up any kind of collateral what so ever… on these loans. Just gave them her checking acct information.She absolutly could NOT survive in jail., no way whatsoever. Also, can they take my grandma’s money? They do share an account but my grandma’s name is NO where on any loans at all. She had nothing to do with the loans. She is elderly and needs her money for HER own meds and needs. I am so very worried for my mom. Please help!

I’m under 21 and I’ve had a secured credit card since May of ‘09 with a 0 limit. I’ve tried going to BoA and getting a loan but they only do their personal loans online. There is NO ONE I can ask to cosign (I’m only in CAPS because there is no one my dad died two years ago and my mom has double bankruptcy, I really don’t know any of my relatives as well). I’m not looking for pity or some stupid crap response I just want an honest true solution.
I’ve gone to Walmart and they wouldn’t approve it either. I’ve gotten my credit report and there is no negative items on it.
Ive worked at my current job making 15 an hour for over two years. Ive made every payment early. I think credit card companies are idiots considering I’ve lived on my own for three years and still no one wants to offer me a card with some shitty interest rate.

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?

One of my friend is married to a great guy. He supports her full time as well as her mom and another family member who has many health problems in which he pays all costs on that as well. They have no children of their own. It was to the point of them almost filing bankruptcy because of the added medical care cost he has been paying. She has a settlement from a workers comp case coming to her soon. So instead of helping her husband who has been footing the bill for months she meets a man online. She signs a lease with him and decides to move out of state and leave the husband with all the bills to be with a man she has never met in person. So I did the unspeakable. I called her husbands best friend and told him what she planned. Of course he called her husband and told him. I fell like I have betrayed a friend but I am also glad that at least he knows whats going on so he can do a little damage control. Did I make the right decision? Yes i know all the details and this guy treats her like a queen. She has cheated on him several times and he keeps letting her come back. In my heart I feel I made the right choice but I still feel guilty because this girl was suppose to be a friend of mine.

After he lost his job he just moved back with his mom and couldn’t pay his bills. His had like 50 grand worth of debt. Whats gona happen to him? He had to disconnect his phone too because the collectors wouldn’t stop calling him too. He going to jail? Can he file for bankruptcy? Or does he have to live with his mom or be homeless for the rest of his life?

I met him online, so we’re in a long distance relationship. We talked and saw each other everyday for 3-5 hours per day – in chat, on the phone and skype for almost 1 year. He came to visit me after a year. He flew for 2 1/2 days ‘coz we’re thousands of miles apart. I appreciate that. He stayed with me for 1 month. He proposed to me. We got engaged. He went back to his country and promised to get me after 6 months so we can get married and start a family. Later on, i found out that he’s broke! He can’t afford to take me, or even come back here or even marry me. Now, we’re still in a relationship after almost 2 years and i’m still waiting. He lost his job 6 months ago and can’t pay his debts. It was all a shock to me because he lied to me. He lied to me face to face and made me expect. He promised me so many things and told me that he can take me soon and take care of me. I also did not accept my job offer abroad because he wanted me to wait for him. He said he will marry me and it’s ok if i don’t go abroad anymore to work because it will take years before i return. Since we’re engaged, i’ve decided to stay and wait for him. I’ve sacrificed a lot for him too. I wish he just told me the truth so i kept my job abroad and did not lose the opportunity.

Now, he still has no job. I dunno when i’ll see him in person again. My heart is broken because he lied to me face to face and made me expect things that he can’t actually fulfill. It’s so painful because he told me that he got US,000 worth of debts due to her sister being in jail in the past! I had no idea too! I see them everyday in chat! I see his family, his mom, sister, older brother and they look happy and ok. I had no idea that his sister was in jail due to money problems in the office. ( i really dunno). He told me that he lied to me because he is ashamed and he doesn’t wanna lose me. I was so upset when i found out. He didn’t wanna tell me at first but i really didn’t stop until i get all the answers. Truth will always come out…but i dunno if it’s really the truth that he lost so much money because he was helping his family. I dunno if it’s the complete truth. He told me that it is but i have some doubts…..after all the lies.

He asked for forgiveness and promised me that it won’t happen again. He asked for another chance and i forgave him and gave him another chance. Unfortunately, he lost his job last year.He is in debt, jobless, declared bankruptcy, black listed in 2 banks in his country, lives with his family coz he cannot afford his own place, survives with his pension. I am hurt because i lost my job offers abroad too because of all the lies. If only he told me the truth!!! Maybe i have a good job now and i’m able to help him too! Now, i’m depending on him and i earn so little. I hold on to his promises. I dunno if they will come true.

After everything that has happened, i still love him. I love him with all my heart and i miss him so much that i find myself crying in very odd moments. Love songs and love stories makes me cry now. I should smile and be happy but it’s the complete opposite for me now. He was so positive in the past, that made me fall in love with him. Whenever i had problems, he would tell me, everything is ok! He was always positive. He always assured me that everything’s ok and i have nothing to worry about….but it was all a lie. After he left…. when we were already planning my trip to his country, that’s when i found out about his debts and lies. He told me that he will pay for my ticket and all and we will get married there. LAter on, he just made excuses and i confronted him. He didn’t wanna tell me but i had to get the truth out of him. It was a long, gruelling process! Until i found out everything and it was the start of hell. From then on, our lives just started to fall apart. I lost my trust in him. He lost his job. I lost mine too. I dunno where to go. I let all offers go. I dunno when i’ll see him again. I dunno if i’ll ever see him again.

Now, i’m in the process of finding good jobs abroad again. I need to do something with my life. It’s so hard because i love someone that i can’t trust. I love him so much and i wanna be with him but i dunno if i can hold on to his promises and believe them all. Nothing is sure now. I dunno if he will fulfill them. He already broke my trust (BIG TIME) and i dunno if he’s capable of doing it again. All i know is that we’re in a very unstable relationship right now. Nothing is sure! It’s so hard because i dunno where he will take me. I dunno where this relationship will go. I wanted it to go somewhere but how? If he has no money to be with me, what can i do?

I don’t wanna wait forever until he is ready. I know it will take time…maybe 2 more years. We’re already in our 30’s. I can’t wait that long anymore.
Friends, please give me some advice. If you’re in a similar situation or familiar with what i’m going through, please share some wisdom. I’d really appreciate it. Thank you! God bless you all!

I just found out my husband of over 2 years has been watching porno videos online when I am not around! We both have separate computers even though I think we only need one (and now even more reason stands!) but he doesn’t like for anyone to get on his computer. Today I got on it because I was filling out some bankruptcy papers and his desk just happen to be cleaner than mine. I needed to check our credit reports and print them out. Well I accidently X’ed out the the site I was in and went back to the drop down to click on it and noticed that there was a recent website about nude women! I went to it out of curiosity and it was disgusting! That is all I will say besides the fact that after that I looked into his history and found SEVERAL videos.
I have always been faithful to him. He said it was only a couple times when I was pregnant but what he doesn’t know is that i found videos with in 3-6 days ago! What do I do? Would you consider this cheating? I love him so much but I am so mad and we have a newborn son! I don’t want to leave him but I don’t know what to say to him. I am almost tempted to leave for a few days and go to my mom’s but I don’t really want anyone else to find out… Help please?

I will try to make this as short as possible.
I had a baby at 17 years old (was cautious, and the condom broke). Come from an abusive family, my mom signed away her parental rights when I was younger, and my dad was and is an achoholic. Both were physically and emotionally abusive to me. I have a verbally abusive husband whom I have been fighting with sooo much lately. In my recent past, I have filed for bankruptcy, been struggling with money to provide for my son. I come from a huuuge family, and most of them are backstabbers!
I take medication for Severe anxiety, panic attacks, and chronic depression, and today my life gets even better….
After another fight with my husband, I went to pick up my son from school. On the way back, WHAM. I get sideswiped in my 2007 Toyota that I have to pay through the butt for now to get fixed. We are barely able to support our family (myself, my husband, and I). And now this! This wasn’t even my fault.
I just dont think i want to continue on with my life sometimes. I am only 28, and have been through all this stuff. I can’t handle any more. I keep trying to find the good in things, and I feel like I can no longer do this anymore. Whats the point?
I told my husband what happened and he is pissed because now this is another financial obstacle… I just dont think I can do this anymore..

Car accident, judgement and bankruptcy (florida state)?
QUESTION I WAS IN A CAR ACCIDENT LIKE TWO YEARS AGO IT WAS MY MOM’S CAR AND I WASN’T N THE INSURANCE… WELL THE ACCIDENT WASN’T BIG NO WRECK NOTHING HAPPEN TO THE OTHER DRIVER AND PASSENGER NOTHING HAPPENED TO THE NEITHER OF OUR CAR… I MOVE NOTHING BIG HAPPEND ALL OF THE SUDDEN I LOOK AT MY ANNUAL CREDIT REPORT AND I SEE THAT THEY ARE SUING ME FOR ,000 THOUSAND DOLLAR NOTHING HAPPEN TO ME OR THE PASSENGER THAT WAS WITH ME SO THAT’S WEIRD I KNOW FOR SURE THAT NOTHING HAPPEND BUT ANYWAYS THEY ARE SUING ME I NEVER RECEIVED A SUMMON SO I WENT ONLINE AND LOOK AT THE COURT CASE AFTER I SEEN IT ON MY CREDIT, THE PLAINTIFF WON BECAUSE I NEVER RESPONDED A SUMMON WHICH I NEVER GOT, I CALLED THEIR LAWYER AND THEY SAY THAT I’M LATE ALREADY, SOMEONE TOLD ME THAT I CAN TRY TO GO ON BANKRUPT BUT CAN THEY TAKE MY INCOME TAX RETURN EVEN IF I GO BANKRUPT TO PAY THE SUIT. I DONT MAKE ENOUGH MONEY TO PAY IT AND IF SOMETHING REALLY HAPPENED TO ONE OF THE I WOULD OF TRY TO HELP THEM… ANY SUGGESTION NOW I’M A SINGLE MOTHER OF THREE KIDS AND I DON’T MAKE ENOUGH MONEY TO COVER IT, I HAVE STUDENT LOAN, MEDICAL BILLS ETC..

I will try to make this as short as possible.
I had a baby at 17 years old (was cautious, and the condom broke). Come from an abusive family, my mom signed away her parental rights when I was younger, and my dad was and is an achoholic. Both were physically and emotionally abusive to me. I have a verbally abusive husband whom I have been fighting with sooo much lately. In my recent past, I have filed for bankruptcy, been struggling with money to provide for my son. I come from a huuuge family, and most of them are backstabbers!
I take medication for Severe anxiety, panic attacks, and chronic depression, and today my life gets even better….
After another fight with my husband, I went to pick up my son from school. On the way back, WHAM. I get sideswiped in my 2007 Toyota that I have to pay through the ass for now to get fixed. We are barely able to support our family (myself, my husband, and I). And now this! This wasn’t even my fault.
I just dont think i want to continue on with my life sometimes. I am only 28, and have been through all this stuff. I can’t handle any more. I keep trying to find the good in things, and I feel like I can no longer do this anymore. Whats the point?
I told my husband what happened and he is pissed because now this is another financial obstacle… I just dont think I can do this anymore..

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 am 23 years old, no income, no job. had an online biz for couple months that got me 000 thru paypal for website advertising that i gave to my mother to keep in cash.

I have 3 charge-offs, 5 collections, 5 credit cards debt, and i applied for quite a few payday loans online and locally just to pay my bills and never pay any of them back.. so i assume they are all going to collection sooner or later..(about 10 of them) i know i have to wait 90 days so they can’t say i intentionally do that then file bankruptcy.

also i have a bmw 325i that i paid down for 1500 and has not made a payment since for 2 months. i know its going to get repo-ed sooner or later. but i have another car i put in my mom’s name that’s paid for. so im fine.

i have no income as of now for a year now. (i don’t think they cann track the website payment as i never file tax on it) and im 23. will i be qualify to wipe my slate clean?

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.

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.

and now i cannot view my online account or receive statements in the mail. well i recently moved and I am 2 months behind but i have the money now and i want to pay but i am worried the money is going to just dissapear and they are going to take my car away! But i have not received any phone calls or statements or even letters saying they were taking it! Oh yeah and when i call I cant get info without talking to someone and they say i can pay by phone or mail! but wont tell me a thing. It’s annoying! Ive paid my payment for a year now. My mom has never paid it and yeah?

unfortunately i had to file chapter 7 in dec of 2000.
since then i have dedicated my life to taking care of my mom who is ill with a heart condition. she helped me out as far as putting a roof over my head but i was living off credit cards again to pay for food and gas. car repairs and such. now i am in a situation where i may need to file again. i contacted all my credit cards and tried to deal with them to pay them off in full but they would not budge. can i just wait a year until im able to file again.if i dont have the money to pay is there anything they can really do until next december when i am eligible again.?

I am 22 years old. Shortly after turning 16, my father passed away at the age of 38. I was diagnosed later with PTSD stemming from his death and the fact that I was in a situation where I was unable to mourn his death. Two days ago, my mother died at the age of 43.
I have a good support system in my friends, but my mom’s family is a nightmare. I feel that I need additional support right now.
I have lost two jobs due to business bankruptcy and was recently severely injured in a fall, so I cannot afford any added expenses. I need to find either free grief counseling in my area (just south of San Francisco) or free online support, like a chat room or forum. Can anybody point me in the right direction?