I am severely underemployed, making minimum wage, 20 hours per week. I used to make more money and was given credit which I used, to the tune of ,000 in unsecured debt. Between my rent and utilities expenses, I can’t make my minimum payments to my creditors. I am striving to improve my employment status, but until I succeed with that, what can I do? I have no assets to sell and {content} to pay to debt consolidators and in payment plans. Is there any way to put my debt off for a few more months, or should I start thinking seriously about personal bankruptcy?

Technorati Tags: assets, creditors, debt consolidators, employment status, minimum payments, minimum wage, money, personal bankruptcy, unsecured debt

How come cons only offer obstruction and no alternative? How are we going to be able to handle over 50 million uninsured Americans? Health care costs that are sky rocketing, bankruptcies due to health care costs through the roof, emergency rooms with 12 hour plus waits for urgent problems…..

Or do cons think there is no problem and feel like sticking their head in the sand and protecting the rich and corporations is what is best for America?
Notice no solutions are being offered…come on in your own words people give me the fixes.

Technorati Tags: 50 million, bankruptcies, corporations, emergency rooms, head in the sand, health care costs, sky, uninsured americans health care

To sum it up I was forced to drop out of school about a year ago because my parents went bankrupt in the middle of my first semester. I had just transferred in to my dream school (an expensive private university) and had counted on my parents co-signing a loan with me. However, they had not told me that the business they had invested thousands of dollars in had gone under so when it came time to apply for a loan and pay the university for my first semester and register for the next semester’s classes I was told there was no way they could afford it. In shock and without financial or emotional support from them I left the school and moved in with my grandmother. I didn’t handle payments with the school immediately because I had no idea how to go about it and assumed they would arrange it.

After that semester I also returned to a junior college and completed requirements to transfer in to a more affordable, state school. This last fall I began a new semester at the new university feeling excited to be back in school. However, now that it is time to register for the upcoming semester’s classes I am being told that without the transcript from the first university I cannot come back to school in the Spring (the requirements for transfer students is to submit ALL transcripts from previously attended schools by the Spring) I contacted the previously attended school to discover I had been put in collections (notices had been sent to my parents home, warning of this, and my parents had never told me). They refuse to give me a transcript without paying the amount in full which is over 10,000 dollars. I have set up a payment plan with the collections agency but again, without paying it all at once, I will not get the transcript and therefore cannot finish school at the university I currently attend. I have tried applying for a loan but as a student I do not qualify for that amount without a cosigner, which I do not have. I don’t know what to do…I have tried contacting everyone imaginable, the president of the previous university, counselors, the head of admissions at my new school, and family members but no on offers me any help or alternatives. I feel so incredibly helpless and all I want to do is finish school.

Does any one know of a lender that approves student loans without a co-signer? Should I file for bankruptcy? Contact a talk show and see if they’ll give me money?? I’D DO ANYTHING TO FINISH SCHOOL! PLEASE HELP!!

Technorati Tags: collections agency, cosigner, dream school, emotional support, grandmother, parents, private university, shock, thousands of dollars, transcripts, transfer students

http://www.youtube.com/watch?v=nAGzLfmV4Ks

"The 0 billion bailout for Wall Street, is driven by fear not fact. This is too much money in too a short a time going to too few people while too many questions remain unanswered.

Why aren’t we having hearings on the plan we have just received? Why aren’t we questioning the underlying premise of the need for a bailout with taxpayers’ money? Why have we not considered any alternatives other than to give 0 billion to Wall Street? Why aren’t we asking Wall Street to clean up its own mess? Why aren’t we passing new laws to stop the speculation, which triggered this? Why aren’t we putting up new regulatory structures to protect investors? How do we even value the 0 billion in toxic assets?

Why aren’t we helping homeowners directly with their debt burden? Why aren’t we helping American families faced with bankruptcy. Why aren’t we reducing debt for Main Street instead of Wall Street? Isn’t it time for fundamental change in our debt based monetary system, so we can free ourselves from the manipulation of the Federal Reserve and the banks? Is this the United States Congress or the board of directors of Goldman Sachs? Wall Street is a place of bears and bulls. It is not smart to force taxpayers to dance with bears or to follow closely behind the bulls."
jeremy: Yeah, that’s a good speech, too!

Technorati Tags: american families, bailout, bankruptcy, bears, board of directors, bulls, debt burden, federal reserve, fundamental change, goldman sachs, manipulation, monetary system, new laws, premise, reducing debt, regulatory structures, speculation, taxpayers, united states congress, wall street

just consider this thought.

You have been recently hired to the Florida Virtual Water Management Board. As a new member your first task is to consider if your community should construct a dam. The purpose of the dam is to increase the community water resources for the growing population and lift current water restrictions that are in effect. The dam will also provide the community a cost efficient method to generate electricity; however, these benefits come with a high environmental and economic cost. By constructing the dam, you will destroy local ecosystems and drive some small businesses to bankruptcy.

keep the following question in mind,As you weigh these factors.

Do the needs of a community outweigh future environmental and economic consequences?

If you are pro dam construction, discuss why the needs of the community are more important than the environmental and economical consequences that will be incurred,OR, If you are against the construction of the dam, discuss why the environment should be considered more highly and offer some alternatives for increasing water resources.

Technorati Tags: bankruptcy, community water, dam construction, economic consequences, ecosystems, electricity, new member, population, small businesses, virtual water, water management board, water resources, water restrictions

I had some properties foreclosed. Now, the bank wants me to pay a very big difference on each properties. Is bankruptcy the only option? Lawyers said we’re making too much for Chapter 7. Any alternatives?

Technorati Tags: bankruptcy, chapter 7, lawyers

Rhttp://grid.ontheissues.org/Issue_Grid.htm
Click on the Icon for documented evidence

Abortion
HC – Safe Legal & Rare
BO – Yes on Roe; Yes on Stem Cells

Budget & Economy
HC – Balance Budget, Pay Down Debt
BO – Pay as you go, Regulate Mortgages

Civil Rights
HC – Pro-Gay rights and Women’s rights
BO – Strong civil unions & affirmative action

Corporations
HC – Limit Bankruptcies & corporate Welfare
BO – Close Loopholes; reward domestic jobs

Crime
HC – 3 Strikes OK; DNA required.
Alternate sentencing; Restrict Death Penalty

Drugs
Treatment & Drug Courts
BO – Understand Drug Abuse

Education
HC – Support Public Schools; No Vouchers
BO – Merit Pay; Free College

Energy & Oil
HC – Ratify Kyoto
BO – Increase CAFÉ; alternative fuels

Environment
HC – Fund EPA & Clean Air
BO – Protect National Parks; Reduce Mercury

Foreign Policy
HC – Focus on Peace
BO – Strengthen NATO; More Foreign Aid

Free Trade
HC – Humanization plus Globalization
BO – No CAFTA; Fair Trade, (not free trade

Technorati Tags: 3 strikes, affirmative action, alternative fuels, balance budget, bankruptcies, civil unions, corporate welfare, death penalty, drug abuse education, drug courts, foreign aid, foreign policy, gay rights, issue grid, kyoto, loopholes, national parks, roe, stem cells, vouchers

I bought my car at California Buy Here, Pay Here lot. I love the car but after three months almost four now, they still can’t get the financing to go through and keep running my credit. I put down 00 and have been paying faithfully month 0 based off the terms the Buy Here Pay Here lot wrote the contract for. I am about to file bankruptcy now and was hoping to keep this car. Now my attorney said that she is listing the car NOT to Reaffirm but to retain collateral and continue making payments. This so I can turn in the car at any point in time if I need to after the discharge without them being able to sue me later on. She also told me that there is NO valid legal contract because the financing company denied me NOT once, but twice and so the contract I had signed is null and void. I want to know, since this is the case, can I go back, turn the car back in and get all my money back? I put down 00 and have made 0 in payments so far. There is no in-house financing, I didn’t sign anything else. ALSO, she did a blue book and found that the car has dropped in value since purchase, can I renegotiate the price? They also refuse to get registration done on the vehicle because they said they need to get it financed. Help! If there are other alternatives, please let me know!
After making some phone calls, I have found all replies to be wrong. I just got a call yesterday stating they can’t get the car financed after three months. The dealer has lead me on to this point thinking everything has been done and they informed me they have forwarded my payments to finance company. Just to find out I have no finance company. Yes, I have insurance. I am passing this new information on to others as they have been clueless as I was until now. You can research this info yourself:
If the car dealer cannot find someone to buy your purchase contract, it can cancel the purchase contract, BUT it must notify you within 10 days of the date on the purchase contract! If it does not, then the purchase is FINAL and cannot be cancelled. It states on the back of the contract. I found out:
I do not have to turn in the car and they have to "honor" the contract and in-house finance it. They have been taking and accepting payments up until now and they must continue to do so.

Technorati Tags: bankruptcy, blue book, car dealer, collateral, financing company, insurance, legal contract, money, point in time, purchase contract, three months

I just was watching news ticker on bloomberg channel and it says ”that oil is expected to rally/go up to or higher before mid-summer because of demand rebounding.What is all of this nonsense when we are in a global recession,people losing their jobs left and right,’’supposed to be conserving energy”,’’supposed to switch on to alternative energy & off-shore oil drilling”(what pres.obama promised in his campaign),auto makers possible bankruptcies and more possible lay-offs,people ‘’supposed to have been driving less”,and supposed to be buying small compact fuel efficient hybrid type vehicles.Were you’ll serious about carrying out these stuff or were these just empty threaths that played right into opec trap?
Will it be like 2007/2008 and wait until crude oil get back to over 5 a barrel then make more false threaths to OPEC with absolutely little to no action to back it up?

Technorati Tags: alternative energy, amp, auto makers, bankruptcies, compact fuel, conserving energy, crude oil, global recession, hybrid type, jobs, lay offs, news ticker, nonsense, oil drilling, opec, shore oil, type vehicles

OK. 5 years back we got into a problem with a business and had to file for bankruptcy. 5 years later my son needs a car. We found a great reliable car for 8,000 USD and when we applied for a loan from the bank they told us they could’nt give us a loan until the bankruptcy had cleared but we could go to court and try to get approved. We are 90% done with the payments. We are bringing in 110,000 dollars a year and doing well. What are the chances of getting approved and are there any alternatives to going to court? Any other advise?
Family of four, bankruptcy payments, other spending, and a deadline for the car is pretty soon limits the option of saving it up.

Technorati Tags: 5 years, bankruptcy

to refuse to sell when a reasonable offer has been made? This is what is happening close to where I live. Along with hundreds of others in the timber industry losing their jobs. Pilgrims Pride stated that they wanted to make the glut of chickens go away so chicken prices could be raised. To me that just is not right!!!

This was in out local paper:
Pilgrim’s Pride’s northeastern Louisiana employees and chicken growers were left in limbo today as the company remained quiet about the latest million offer to buy the company’s Farmerville Processing plants.

State Sen. Mike Walsworth, who has been joining daily meetings of Gov. Jindal’s Pilgrim’s Pride Emergency Task Force, said that there were no new developments today.

Pilgrim’s Pride didn’t return calls or an e-mail requesting an update on the status of the company’s decision.

Meanwhile, the Louisiana Workforce Commission has scheduled a series of meetings on Monday through Thursday for the 1,300 workers who will lose their jobs if the complex is closed as scheduled in April.

The Workforce Commission will also open a transition center on March 24 at the Pilgrim’s complex for the workers, where services such as job placement assistance, job counseling, job search workshops, unemployment insurance and other supportive services will be offered.

All Workforce Commission services are free.

Jindal and his staff have been working to broker a deal for Foster Farms of California to buy the northeastern Louisiana Pilgrim’s operation, with Foster Farms putting up million and the state investing million.

The governor said that Foster Farms would also invest about million in new equipment and agree to keep the work force intact for at least five years.

Pilgrim’s Pride, which declared bankruptcy in December to reorganize, rejected the first million offer from Foster and the state earlier this week, but took the million offer under consideration.

“Discussions continued (Thursday) between Pilgrim’s Pride and Gov. Jindal and his staff regarding the future of the company’s Farmerville complex,” Pilgrim’s spokesman Ray Atkinson said in a written statement on Thursday. “A revised offer was formally presented to the company (Thursday), and several potential alternatives were also discussed. At this time no agreement has been reached and no offer has been accepted.”

State officials said Pilgrim’s executives originally said the company valued the plant at between million and million.

Jackson said the company is closing the complex because of a glut of chicken on the market.

Louisiana Attorney General Buddy Caldwell said this week he is looking into potential violations of Louisiana Unfair Trade Practices Act by Pilgrim’s Pride based on the possibility that the company could be trying to manipulate the chicken market by closing the plants.

Caldwell spokesman Tammi Arender Herring said the attorney general is also investigating whether Pilgrim’s Pride is violating bankruptcy laws by holding up the sale of the complex.

Technorati Tags: chicken prices, e mail, emergency task force, farmerville, first million, glut, jindal, job search, least five years, louisiana workforce commission, mike walsworth, monday through thursday, northeastern louisiana, pilgrim, placement assistance, search workshops, supportive services, timber industry, transition center, unemployment insurance

Seeing as to how Obamacare is heavily debated and let’s be honest the GOP haven’t put a viable alternative so what are your thoughts on some reform

What should be the main goal of health reform in the US, should it Decrease the cost of health care, Improve the quality of health care, Improve the access to health care or make most Americans receive at least basic free public care. What would it be like for the US if an Australian system like the Medicare service is implemented where all taxpayers pay a 1.5% income tax levy (with exceptions for low-income earners), an additional levy of 1% is imposed on high-income earners without private health insurance. There is also a private health system where people pay for health insurance to go to a private hospital if they wish for quicker service. Bankruptcies from lack of funds to pay for medical bills is the largest reason for personal bankruptcies in the US accounting for over 60 % of all bankruptcies, while in Australia it is almost negligible.

Check out these videos for some information:

http://www.youtube.com/watch?v=ObhifImr4G8

http://www.newscientist.com/articlevideo/dn17512/30590602001-the-scientific-arguments-for-us-healthcare-reform.html

So what do you guys think?

Technorati Tags: access to health care, cost of health care, exceptions, gop, health insurance, health reform, health system, healthcare reform, income earners, income tax, main goal, medical bills, medicare, medicare service, personal bankruptcies, private health insurance, private hospital, quality of health care, tax levy, taxpayers

Readability Formula: As the text suggests, writers will want to make the content easy to read by simplifying ideas, organizing them logically, and laying out the document in an appealing way. Refer to the Gunning Fog Index and the Flesch Reading Ease Scale to calculate readability formulas. In addition to the course text, search the Internet for information regarding readability formulas.
Good Style: This scenario deals with bad news (a negative message). Not only will classmates be missing out on the trip to Mexico, but they will also lose their deposits. While it is important to be honest, the structure of the message is important. Building Goodwill: The writer of this message is merely the messenger; the situation is out of his/her hands. Although reimbursing classmates would be ideal, the bus company is filing for bankruptcy and may not have much to offer. What other alternatives might be possible?
The writer should also try to determine the audience’s initial reaction, the amount of information required, positive aspects that can be emphasized as well as obstacles that must be overcome, and expectations of the audience.

Technorati Tags: audience, bad news, bus company, classmates, filing for bankruptcy, flesch reading ease, flesch reading ease scale, goodwill, gunning fog index, initial reaction, negative message, obstacles, readability formulas, scenario deals, text search, trip to mexico

How would you solve our foreign diplomacy problems? Bomb all of our enemies? Do we start nuking Korea, Iran, Iraq, Egypt, Pakistan, Palestine China. Would that solve it? Then what do we do with all those dying people?

How would you solve our financial problems? Let every company now fail, and all the banks fail? GM fail, all housing in foreclosure, and all people on the streets?

How would you solve our health care problems? (One in four bankruptcies is now caused by inability to pay medical costs). Would you just turn away anyone and everyone who is dying if they cannot pay? If they are in a car crash, do we let them die in the wreckage if they cannot show a medical insurance card?

I find lots of you on here are big to criticize, but I find no real alternative solutions.

Take one of these and discuss it.

Technorati Tags: alternative solutions, bankruptcies, banks, bomb, car crash, diplomacy, egypt, enemies, foreclosure, gm, health care problems, insurance card, iran, iraq, korea, medical costs, medical insurance, pakistan, palestine, wreckage

just consider this thought.

You have been recently hired to the Florida Virtual Water Management Board. As a new member your first task is to consider if your community should construct a dam. The purpose of the dam is to increase the community water resources for the growing population and lift current water restrictions that are in effect. The dam will also provide the community a cost efficient method to generate electricity; however, these benefits come with a high environmental and economic cost. By constructing the dam, you will destroy local ecosystems and drive some small businesses to bankruptcy.

keep the following question in mind,As you weigh these factors.

Do the needs of a community outweigh future environmental and economic consequences?

If you are pro dam construction, discuss why the needs of the community are more important than the environmental and economical consequences that will be incurred,OR, If you are against the construction of the dam, discuss why the environment should be considered more highly and offer some alternatives for increasing water resources.

Technorati Tags: bankruptcy, community water, dam construction, economic consequences, ecosystems, electricity, new member, population, small businesses, virtual water, water management board, water resources, water restrictions

I didn’t realize that my 2nd mortgage was not included in the Chpt 13 Bankruptcy filed 3 yrs ago. It was a stupid mistake on my part and I am going through a horrible situation because of it now. I haven’t heard from the mortage company since before the bankruptcy, 3 yrs ago, and had no reason not to think the loan ws not included, until out of the blue, I receive a phone call last week, demanding the balance in full. Imagine my surprise! I made a terrible mistake! I would have never let this happend had I realized. Anyway…regardless of that, I am left with a loan, with a major delinquency. It is in default and considered a delinquent mortgage. The loan is 35,000 , originally 27,500. and growing by the minute! I don’t know what to do! I don’t have the money anywhere, we are trying to rebuild credit, there are no alternatives for me that I can see. Can someone help me? Im so confused and absolutely scared to death. My 1st mortgage is in perfect standing. I welcome all comments!

Technorati Tags: chpt 13 bankruptcy, delinquency, delinquent mortgage, happend, horrible situation, money, mortage company, out of the blue, phone call, stupid mistake, surprise, terrible mistake

I am on the borderline of filing for bankruptcy, i have about 9 thousand dollars in debt so i would really like to avoid bankruptcy if possible…i just dont know the different alternatives…BTW my account was charged off so they told me i couldnt workout a repayment plan…they told me that i would have to come up with the amount in full or they could settle for about 60-70% of what i owe em but i still dont have that kind of money

Technorati Tags: filing for bankruptcy, money, repayment plan, thousand dollars, workout

Congratulations! You have been recently hired to the Florida Virtual Water Management Board. As a new member your first task is to consider if your community should construct a dam. The purpose of the dam is to increase the community water resources for the growing population and lift current water restrictions that are in effect. The dam will also provide the community a cost efficient method to generate electricity; however, these benefits come with a high environmental and economic cost. By constructing the dam, you will destroy local ecosystems and drive some small businesses to bankruptcy.

If you are pro dam construction, discuss why the needs of the community are more important than the environmental and economical consequences that will be incurred.

If you are against the construction of the dam, discuss why the environment should be considered more highly and offer some alternatives for increasing water resources.

Technorati Tags: bankruptcy, community water, consequences, dam construction, ecosystems, electricity, new member, population, small businesses, virtual water, water management board, water resources, water restrictions

I have a relative ("Lou") who is in debt. Lou is in his early 30’s. The debt is more than K. Lou seems depressed, and I believe spends (restaurants, clothes, etc) as an escape from real life. In the past, the family has repaid Lou’s debt without conditions, but every time more debt appears later. This time, the family offered to refinance the debt only if Lou hews to a budget. Lou is resisting the budget since it imposes controls that any adult might resist. Plus, Lou is worried about his life being in too much flux and not being able to guarantee he can live within the budget. The only alternative is for Lou to default on his debt. We don’t really want that because of the long-term implications of bankruptcy. We also worry about pushing Lou "over the edge". There is no drinking or drug problem. There may be a gambling problem. What do we do? Lou refuses to go to counseling.

Technorati Tags: adult, bankruptcy, budget, clothes, counseling, drug problem, gambling problem, quot, restaurants, term implications

No new developments (at least I didn’t hear any), but I ran across this interesting piece of tidbit today. I was going through old podcasts of The Hour with George Stroumboulopoulos on my iPod and watched an uncut, half-hour interview with Bettman back in February. Just before the 12:00 mark, this is what transpired:

Stroumbo: "And again, I mean this very sincerely, the NHL are running the Phoenix Coyotes. How is that not a disaster?"

Bettman: "Well-well, we’re not really running them. I mean, Doug Moss is still operating them, Jerry Moyes is the owner…"

Stroumbo: "But other franchises are paying for them, right?"

Bettman: "No, no, no, no, you see, that’s where the…*Strombo about to interupt with another question but Bettman pushed on* What-what’s happened is, we have advanced monies that the club would be ultimately be entitled to…to this point. So that, you know, revenue sharing, national TV, we’re dealing with their cash flow issues. But, what’s the alternative? Not have them go through this season? You do the things that’re necessary to make it work."

Stroumbo then asked him if the Coyotes would play there next season, and Bettman answered that the league has "every expectation that they will." They then went on to expansion issues.

Bit of hesitation there. I know there are some things that you need to keep private from the media, but which is it, Gary? Were you or were you not running the Coyotes as of November ‘08 as you kept saying to the media? Or was it really Doug Moss who’s running shop as you said in February?

For the edited interview that aired (and doesn’t contain this segment), http://www.youtube.com/watch?v=nyl9jo4BLec

For the entire uncut interview that has this part and I can’t find on youtube, it’s a little bit more complicated and I can’t guarantee it’ll work. Open your iTunes, search "The Hour podcasts," and subscribe. The uncut interview is not available for download by itself though. Once you’ve subscribed, go all the way back to February and see if it’s still available for download. This is the only way I can figure out how to watch it for non-subscribers. If someone else can find it on youtube, by all means, post the link.

So what do you think? Can this be used at all to cross-examine Bettman, either back in court or during mediation? This certainly is evidence and should be treated as such according to the rules in bankruptcy laws. Any rebuttal in support for Bettman or against my own arguments?

Technorati Tags: cash flow issues, coyotes, doug moss, expectation, franchises, half hour, hesitation, hour with george stroumboulopoulos, ipod, jerry moyes, little bit, monies, national tv, new developments, nhl, phoenix coyotes, podcasts, quot, segment, tidbit

Obama has a way of ducking hard votes or explaining away his bad votes by trying to blame poorly-written statutes. Case in point: an amendment he voted on as part of a recent bankruptcy bill before the US Senate would have capped credit card interest rates at 30 percent. Inexplicably, Obama voted against it, although it would have been the beginning of setting these predatory lending rates under federal control. Even Senator Hillary Clinton supported it.

Now Obama explains his vote by saying the amendment was poorly written or set the ceiling too high. His explanation isn’t credible as Obama offered no lower number as an alternative, and didn’t put forward his own amendment clarifying whatever language he found objectionable.

Why wouldn’t Obama have voted to create the first federal ceiling on predatory credit card interest rates, particularly as he calls himself a champion of the poor and middle classes? Perhaps he was signaling to the corporate establishment that they need not fear him. For all of his dynamic rhetoric about lifting up the masses, it seems Obama has little intention of doing anything concrete to reverse the cycle of poverty many struggle to overcome.

Technorati Tags: bankruptcy bill, case in point, champion, credit card interest, credit card interest rates, cycle of poverty, hillary clinton, intention, predatory lending, rhetoric, senator hillary clinton, struggle, us senate, vote

I am 38 and I have lost all hope and desire to live. All I want is freedom from my pain.

First suicide attempt at age 16
Last suicide attempt was last Wednesday – it was my tenth.
(I know pretty sad that after ten tries I can’t even get that right).

I have seen the inside of multiple emergency rooms and psych units over the years. I have been to more doctors, counselors, shrinks, therapists, alternative medical specialists, rehabs, and groups than I can even count anymore.

If there is a medication out there, they have tried it on me.

I have been diagnosed with borderline personality disorder, anxiety disorder, and major depressive disorder. I am a cutter and I have an eating disorder. I had a habitual marijuana and sleeping pill addiction which I have under control, but I still crave everyday. I also quit drinking. I just finished going through bankruptcy for the 45K in credit card debt I racked up due to a spending addiction. I was married once and have had multiple live-in partners – I drove them all away because I am "crazy".

I am currently in a treatment program (Dialectical Behavior Therapy), it has been five months and I still feel little hope.

I cry everyday, I am lost and empty, I want freedom from the emotional pain I live with constantly. I feel I have no worth or purpose. I have lost all hope as I have been in treatment so many times and yet, here I am again.

How many times can a person hit rock-bottom and still find the courage and strength to try?

I go to therapy, I go to group therapy, I volunteer, I exercise, I try to take good care of myself, I meditate daily, I work with my higher power but still I feel no hope.

What now?

Technorati Tags: anxiety disorder, borderline personality disorder, credit card debt, depressive disorder, dialectical behavior therapy, eating disorder, emergency rooms, emotional pain, first suicide, five months, group therapy, little hope, major depressive disorder, medical specialists, pill addiction, rehabs, rock bottom, sleeping pill, spending addiction, suicide attempt

Candidate X Promises and Plans:
1.)Establish a billion Foreclosure Prevention Fund
2.)Provide billion in Relief for State and Local Governments
3.)Hardest-Hit by the Housing Crisis to Prevent Cuts in Vital Services.
4.)Extend and Expand Unemployment Insurance
5.)Provide a Tax Cut for Working Families
6.)Eliminate Income Taxes for Seniors Making Less than ,000
7.)Simplify Tax Filings for Middle Class Americans
8.)Fight for Fair Trade
9.)Amend the North American Free Trade Agreement
10.)Improve Transition Assistance
11.)Invest in our Next Generation Innovators and Job Creators
12.)Double Funding for the Manufacturing Extension Partnership
13.)Invest In A Clean Energy Economy And Create 5 Million New Green Jobs
14.)Create New Job Training Programs for Clean Technologies
15.)Boost the Renewable Energy Sector and Create New Jobs
16.)Create a National Infrastructure Reinvestment Bank
17.)Invest in the Sciences
18.)Make the Research and Development Tax Credit Permanent
19.)Deploy Next-Generation Broadband
20.)Provide Tax Relief for Small Businesses and Start Up Companies
21.)Create a National Network of Public-Private Business Incubators
22.)Ensure Freedom to Unionize
23.)Fight Attacks on Workers’ Right to Organize
24.)Protect Striking Workers
25.)Raise the Minimum Wage
26.)Protect Homeownership and Crack Down on Mortgage Fraud
27.)Address Predatory Credit Card Practices
28.)Reform Bankruptcy Laws
29.)Work/Family Balance
30.)Expand High-Quality Afterschool Opportunities

Candidate Y Promises and Plans:
1.)Workplace Flexibility
2.)Relief for Families
3.)Government Reform
4.)Supporting Small Businesses
5.)Cheap and Clean Energy
6.)Better Healthcare
7.)Simpler and Fairer Taxes
8.)Lower Barriers to Trade
9.)Expanding Domestic Oil And Natural Gas Exploration And Production
10.)Taking Action Now To Break Our Dependency On Foreign Oil By Reforming Our Transportation Sector
11.)Investing In Clean, Alternative Sources Of Energy
12.)Protecting Our Environment And Addressing Climate Change: A Sound Energy Strategy Must Include A Solid Environmental Foundation
13.)Promoting Energy Efficiency
14.)Addressing Speculative Pricing Of Oil
15.)DC Personal Protection
16.)The Confiscation of Firearms After an Emergency
17.)Cut The Corporate Tax Rate From 35 To 25 Percent
18.)Seal the Pork Barrel
19.)Stop the Revolving Door and Restore Ethics
20.)Democracy is Not for Sale
21.)Excellence, Choice, and Competition in American Education
22.)Comprehensive Immigration Initiatives for a Secure Nation

Technorati Tags: alternative sources of energy, bankruptcy laws, business incubators, credit card practices, energy economy, extension partnership, family balance, fight attacks, foreclosure prevention, generation broadband, infrastructure reinvestment, mortgage fraud, national infrastructure, natural gas exploration, north american free trade agreement, prevention fund, renewable energy sector, state and local governments, unemployment insurance, workplace flexibility

In the fall of last year, I thought the economy might be turning around by now. Now Chrysler is going into bankruptcy and GM is following. This means all the dealerships will suffer and the suppliers etc. etc. We have tent cities going up and more people are losing their homes.

Where will all the "blue collar" workers find other employment opportunities? I know that there is a push for alternative energy and infrastructure rebuilding, but I can’t see that this will be enough.

If we can turn it around, what do you think the economy will be like in 10 years. Where will the manufacturing jobs be?

And not just in 10 years, when do you think the economy will turn around?

Technorati Tags: 10 years, alternative energy, bankruptcy, chrysler, economy, employment opportunities, gm, infrastructure, manufacturing jobs, tent cities

First off, I am a full-time college student. Ok, here’s my situation–I’m a little over ,000 in credit card debt. My monthly payments from all my cards combined add up to about 0, and every one of my cards (with the exception of one at 8%) have rather high interest rates (19%, 20%). Most of them are pretty close to being maxed out. Having to make these payments is really hurting me every month. I would like to consolidate all of my cards through a loan from my credit union. HOWEVER, due to having a bill that has been out in collections (0 electric bill) for the past 3 months, my credit score has gone down. I know you’re prob gonna say just pay it because it’s only a 0, but I wouldn’t even be able to pay that right now without ultimately cutting myself short at the end of the month. Would this mark on my credit inevitably prevent me from being able to secure a loan through my credit union?

Also, if that wouldn’t be able to fall through, do I have any other options at all? I am pretty stressed right now about finances and would really appreciate some educated/experienced advice with this type of situation. First hand experience with this would probably offer me the best advice to this predicament–what did you do to get out of debt? Is bankruptcy (which I know absolutely nothing about) even a good option, or is my debt small enough to where there’s still hope for another alternative? Please respond to this i am desperate to get out of debt! Thanks a lot in advance.

Technorati Tags: bankruptcy, cards, collections, credit card debt, credit score, full time, hand experience, high interest rates, maxed, predicament, time college student

This may just be ignorance however I do not understand it. I just read a question by a top contributor of these questions complaining that he doesn’t understand why the government won’t provide funds for auto companies in order to bail them out of their possible bankruptcy. The thought of providing these businesses with tax dollars from the American public is insane. In my opinion the auto companies have no one to blame but their own greed and the way they decided to go with their business, the government would not bail out a business that the average American built and used every dime of their personal money to invest into the business, while CEO’s of the auto companies STILL are taking in millions of dollars a year and expecting the government (moreover the American people) to basically paying their salaries, when it was the direction they took in their company to blame for the problem they are in now. With exponential growth especially in business comes exponential decline and they should have taken precautions to prevent this from happening. Aside from their bad business decisions these are the same businesses that closed down factories in the United States, which were employing thousands of American workers, to move to China were labor was cheaper. This brought upon record unemployment rates in Detroit. Who in turn need government assistance to be able to provide for their families because they were screwed over by their employer. I understand that their are people who are a drain on society and are wrongfully collecting welfare but aside from those individuals Welfare helps out people WHO HAVE NOTHING and are asking for the governments help to keep a roof over their head. Another point that needs to be addressed in Auto Makers is the money that they received from big oil to not research alternative fuels, even though the impending Global Warming was a huge issue. Which means in a sense they may have screwed over the Human Race by destroying our planet. I don’t know I may just be venting but isn’t it the ethical for these CEO’s to take a money cut for the benefit of their company instead of asking for the governments help, providing that they never seemed to really truly care of the American public?

Roads???? read this if you think that our tax dollars even go to roads first off……
http://www.americanchronicle.com/articles/11028

Second off the whole idea is the current CEO’s of the business still raking in millions from their business, which is failing and asking for government help what happened to darwin and survival of the fittest, does it not pertain to business?

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Are state hospitals the only alternative I have without ins. I have a really bad ankle sprain and I am in an emergency situation. I am the sole money maker in my Family. I support two children a wife and her mother I am a carpenter. 2 1/2 months ago I rolled my ankle. I cant walk yet alone work but I continue to work even if it is with a limp but now I am starting to have pain throughout my whole leg. I am a tough guy and I have always "played through my injuries". I can handle the loss of my home or even to file bankruptcy. The thing that kills me is the look on my families face. I can’t play with the kids, take them on the hikes to the mountains or anything for that mater. I just want to walk again. Are there any Doctors out there that can help a man like me I Know there is something seriously wrong with my ankle, and I need help desperately! I am in Long beach Ca. please someone have an answer? Derek!

Technorati Tags: ankle sprain, bankruptcy, carpenter, doctors, emergency situation, ins, long beach ca, money maker, mountains, state hospitals, tough guy

I am beginning to regret going to college, it seems the only thing I have attained from it, is debt. When I went to school I was allured to the dream of being an airline pilot. I finally got my pilot’s license, but it got to expensive, so I switched to Aviation Management. I am so depressed and mad at myself for letting this happen, and it seems like there is no way out. A few times I forgot to fill out the FAFSA so I had to take out loans to cover the expenses, or I was late getting it in and got no money.

Here’s where I am at:
1 Loan for ,000 (Monthly Payments of 476/mo); 1 Loan for 620 (Monthly Payments of 128); 1 Loan for 00 (Monthly Payments of 50), and Credit Card Debt of about 00. So I have loans totaling 420.

I also have a car payment, cell phone, however I pay no rent, but my grandparents will soon be asking for that.

I just got a new job that pays me 000 per year. So if I don’t put anything into savings I can pay off my loans in about 4 years, however when you begin to figure in my other expenses it’s more like 7 years.

Consolidation is not really an option, because the 000 is an “Education Alternative Loan”, it’s not a federal loan. The 00 loan is a no interest loan. And the 620 is a direct federal loan.

-My dilemma is that, I have a girlfriend that I want to begin a life with. I wish to get an apartment with her maybe in the next year or so. And I want to marry her.

Situation 1- Do I put no money into savings and just tackle the loans head on? I will have no money for retirement or a down payment on a house.

Situation 2- I put some money aside into savings, and it will take longer to pay off?

Situation 3- Declare bankruptcy if I can?

I apologize for this taking so long, but I don’t know what to do. Thank you for your help.

Technorati Tags: airline pilot, apartment, aviation management, bankruptcy, car payment, cell phone, consolidation, credit card debt, dilemma, education, fafsa, federal loan, girlfriend, going to college, grandparents, interest loan, loans, money, new job, retirement

It’s a matter of pay now or pay letter. Republicans are all for lower taxes and smaller government except when their greed gets them in financial trouble.

Here is the issue that you are dealing with… Since the Stock Market collapse of 1929 a system of checks and balances was instituted as the economy grew to keep greed in check. However, after Ronald Reagan took office and developed the theory of Trickle Down economics, They began to chip away at several levels of checks and balances. One of the first levels that they attacked were the Unions. Unions offered a level that reported abuses in the labor market. Second was deregulation where they actually removed regulation by allowing business to move off shore where inspection and over sight where non-existent… then they moved to gut the budgets of regulatory agencies that were left, to stop over-site. Usury laws were thrown to the wind and bankruptcy laws were changed to protect the rich. (Look up Usury Laws)

Example: There are only 8 inspectors for all the livestock sold for food in California. Providing 30 percent of all the meat eaten in the United States and exported.

The result is that you have lead painted toys for your children to play with, food is polluted with chemicals and Salmonella and Wall Street Collapses in a heap and your 401K falls through the floor while Oil prices shoot threw the roof because they changed the rules to allow speculation in the Oil market and fought alternative energy. All the while the Republicans keep claiming your taxes are to high and the reason is it’s Ear Marks were causing it which equal less than 1 percent of the US budget .

We need to start thinking smarter and get back to enforcement of good sound banking rules and reduce greed out of the equation. We need over sight at all levels of both government and business. We need to pay those taxes necessary to enforce regulation and stop investing billions in "Wars to No Where". Think where we would have been financially if we had not swallowed "Georges War to No
Where" based on a lie.

Wake up America!!! Obama for President

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