I am considering chapter 7 bankruptcy. I am 5 months behind on payments and been getting threatening calls from the bank, I only have a year and a half let on my note (started out as a 6 year contract). I have unpaid medical bills which is only about 00 along with a early termination fee from sprint and tmobile and I owe to GE money bank. Back last march I ended up homeless and worked any job I could but still wasnt able to get on my feet. So for those of you with comments like "poor money management" keep your comments to yourself. My bills were always paid on time until our economy went to shit. Now that I mentioned that I will get to my question. Is there a way to get around this to not file bankruptcy so my car wont get repossessed (something quick before they take further action) and all my debt paid? I don’t have much money to file bankruptcy. Is there a way to get help so I can pay it out?

Technorati Tags: 5 months, chapter 7 bankruptcy, economy, ge money bank, job, much money, poor money management, sprint, termination fee, tmobile, unpaid medical bills

I have been trying to teach English here in China for the past 2 years. I’ve encountered a range of problems and found it difficult to keep employment. Once school fired all the teachers, ripped us off then went bankrupt. Other schools have kept me on for a few months and then turned around and found a better teacher because they don’t like my teaching style. The latest company let me go because they were restructuring and downsizing. I was the unlucky one who didn’t have a relationship with the boss so I was the first out the door. The alternative was only a couple of hrs work each week – changing me from full time to barely part time.

So, I have given up on teaching. I think I’m OK but not good enough to maintain a decent career out of it. ESL teaching is difficult to earn money in. Now that I am married, I want a better, more stable job and a different career at home. We were both planning to move back to Australia to live.

Here’s the problem. The latest firing has pretty much made my wife lose all respect for me. She’s saying really nasty things and I think her mindset is starting to become like this: http://answers.yahoo.com/question/index;_ylt=ApxlE10r_YqloAeAMeCr5N_B7BR.;_ylv=3?qid=20090127092441AA0P70V

She has said some really hurtful things and has been withholding the sex like she doesn’t want to be with me anymore. I’ve questioned her and she tends to close up and when pushed, says she’s not happy, she’s bored. I get upset, she sees that and says that we will be together forever and that she still loves me. I doubt it though by the way she looks and acts now. She told me to be a man and go back to Australia and set everything up (we were only 3.5 months away from moving back).

I’m reminded about how at this time I cannot afford the diamond ring. Also, despite my wages being enough to pay for everything and give us enough money to go out, it hasn’t been enough to save for a honeymoon. We only got married last month. I told her that my work prospects are so much better in Australia but she finds that hard to believe – I didn’t have it in me to change enough to grow and become a good teacher so apparently that reflects on my ability not to change overall.

A bit of history about my working life in Australia: I graduated uni about 1 year before coming to China. I worked for 4 years in a supermarket and became a manager. They wanted me to stay and become a trainee department manager. I had a lot of potential. But it seems that I lost all of that potential when I came here to China. She has just seen all of my failures and compares that against her own successes and the successes of other foreigners who have done well here.

It’s really hurting me to see her become so scathing and nasty and unloving. I told her that it’s worth banging my head against a wall with these jobs for a few more months so that we can still be together (albeit not much because she is busy with her overseas work) and leave the country together. She says that if she had more money and was more successful in her work, she’d leave with me tomorrow. But thinks I should give up the struggle of teaching and just go back and set things up. I’m about to do that. Three months is not long.

But I still feel the sting of her disappointment in me. It’s like something has changed and she can’t see the good in me at all anymore. So I think what’s the point of going home and getting established if she no longer has any feeling for m? She might turn around and refuse to come in a couple of months time. Already I think her mind is definitely changing. She’s not interested in the wedding and when I asked about us going back to see her family one more time before we leave, she said she said I wasn’t welcome in her home anymore because I stay there and get fed like a king instead of working hard. That I should give something back to her family…

So, she is bored, disinterested in me and behaving like she wants me out of her life. Should I return home and get established and forget about her? This is not the departure I had hoped for. I think she kind of resigned when I said I found more employment here and could be earning more than the last school. She’s already told me my teaching is at ground level and I’m a loser – meaning no good at teaching.

It’s really cruel for her to say these things and feel so disappointed as far as I’m concerned because I stayed on longer and pushed through because I wanted to be with her. I could have left about a year ago…My parents wished I had and set myself up with a job and car. Instead, I either leave now or find work here. Last night I had a dream about her being romanced by some other guy. She was really into it. She’s not being intimate with me and looking down upon me.

Seek divorce?? Yes it’s not fair on her to have a husband without a stable job. But I thought she woul

Technorati Tags: 5 months, australia, boss, china, diamond ring, esl, full time, honeymoon, mindset, money, nasty things, part time, prospects, qid, question index, relationship, stable job, unlucky one, wages, yahoo

Here’s an interesting situation. I was out of the country and thought I paid my balance in full, but money sat in my bank account for a few months not moving. I’ve never had a late fee in my life, but I am young and don’t really have much to have credit built on yet.

Anyway, I was out of the country like I said, and the account went 5 months past due with just very small payments automatically paid. However, they weren’t enough, and it now shows up as 4 months delinquent. The late fees made it where I don’t have quite the money to pay in full, but I can get help from relatives to pay in full now. However, my account was sent to collects, but it was not charged off. The collections company said they were only contracted to help the creditor. It was not charged off.

They offered a settlement to me that is about ,000 less than the full amount, and I really need money right now. Should I take the settlement or pay in full? I am worried about my credit being hurt more, but I also spent too much money on someone I thought I was going to marry. I certainly won’t make that mistake again because now I have trouble paying for gas and food.

Technorati Tags: 4 months, 5 months, collections company, creditor, gas and food, late fees, mistake, much money, relatives

Does anyone know if we can be accepted for home loan of under 50000$. One does not have credit history and is slowly building it by getting credit cards and some services like cell phone and the other filed for bankruptcy discharged chapter 7 about 5 months ago with a credit score between 400 to 500. Thanks for your answers

Technorati Tags: 5 months, bankruptcy, cell phone, chapter 7, credit cards, credit history, credit score, home loan

Hi all,

My wife and I have been trying to have a child for over 3 years. While she has been pregnant twice, both experiences were quite traumatic for both of us. Her first pregnancy ended with a miscarriage at 5 months, and the second pregnancy was an ectopic pregnancy which landed her in the emergency room. We both really want a child, especially a child of our own, but I just don’t want to cause any more physical and emotional distress on my wife. We have decided to look at the alternative which is adoption. Primarily we’re only interested in the adoption of a new born. We began to do some research and the cost of an adoption seems staggering! We’re not interested in an international adoption either. I would like to get some feedback from other couples which have successfully adopted a new born. How much did it actually cost you (after the tax credit and any employer adoption benefits). Was it really around K!!

I can understand the attorney fees and medical costs for the birth mother, but k? It also seems that the adoption process is quite complicated (home study, back ground check, family history, etc), I do understand why those things are required, but I would assume those things should be required of ANY couple wanting to have a child, not just adoptive parents.

Anyway, I am really interested to see how much adopting a new born ended up costing you.

Thanks so much for your feedback! Our combined income is around 0K a year, we own two homes (fully paid), so we’re not poor, and though we really want a child, we don’t want to end up declaring bankruptcy to have one.

Thanks so much!

Jason & Mindy
@PIP – If you haven’t adopted or even intend to adopt, you’re not qualified to answer my question, nor am I interested in your opinion. Your "answer" had nothing to do with my question. In the future, I would recommend that you read an individual’s question carefully before answering.
@Toreejon – Much like the other person who "answered" my question. I am sorry that you had a bad experience as an adoptee, but no where in my question do I ask for an adoptee’s opinion. I have friends who are adopted and have no longing for their natural mother and father.
@Sunny – I did not ask for your opinion on adoption. I wanted answers from adoptive parents. The fact that we really want a child of our own, doesn’t take anything away from us completely loving an adopted child. This so called "bond" between child and natural parents is a myth. This bond is developed as the result of the relationship with the child’s parents (i.e. the parents who raised the child). There is absolutely no evidence that suggests there is a "natural" bond between a child and a natural parent if the child was not raised by those parents. As to your point of DNA, it is completely irrelevant. Unless you’re Einstein or Mozart, your DNA is nothing to write home about. I can’t believe you equate adopting a child with that of buying a car. You need some serious help. Adoption is a very unselfish act. We want to adopt not to make up for the "child we might have had" but to rather to share or love and blessings with a child in need. We don’t HAVE to adopt, we want to.

Technorati Tags: 3 years, 5 months, adoption benefits, adoptive parents, attorney fees, back ground check, birth mother, couples, declaring bankruptcy, ectopic pregnancy, emergency room, emotional distress, family history, home study, international adoption, medical costs, mindy, pip, second pregnancy, tax credit

I really am asking for a friend of mine. this is her 2nd divorce. 1 year ago, she filed for bankruptcy (dont know if it was 11 or 13). she separated from her husband and is rolling her house into it and changing it into chapter 7. she went to file for divorce this week and the attorney told her she cannot file for divorce until the chapter 7 has been discharged in 4-5 months… is this true and why? she cant thru to anyone to find out.
thanks.

Technorati Tags: 5 months, bankruptcy, chapter 7, divorce

Let go from my f/t position and am now working p/t, but not making any money! I am currently 5 months behind on my mtge and have over 30k worth of debt that I can no long afford to pay. I have checked my credit score and it is 578..just 5 yrs ago I at 800. I am seriously considering filing for bankruptcy(chpt 7)…at this point I feel as though I will have nothing to lose. What impact will this have on my life?? Will I be able to purchase another home within the next 7 yrs or will my credit be ruined forever?? Will I even be able to get an apt or should I begin looking into shelters for myself and my 10 yr old son. LIFE!!! HELP!!!!
Thank you to everyone that took the time to answer my question. I was able to feel the sincerity and effort in your answers!! Again, thank you for giving me a different perspective. Ugh…LIFE!

Technorati Tags: 5 months, credit score, different perspective, filing for bankruptcy, money, mtge, sincerity

the company is called F.I.R.E i had to pay them to negotiate my debt and try to lower my debt. after being in the month for 5 months i paid them about 800 dollars now i got out the program because it was too expensive and they wont give me my money back because in my contract it says no refunds. Could i do anything to get this money maybe a lawyer?

Technorati Tags: 5 months, lawyer, money

I’ve made a big mess out of my life by making mistakes I could actually afford at the time. I had a great job making enough money that I could afford my own apartment and a brand new car. Life was great for about 2 years, all my payments were on time, and I had a little extra cash so I could go out with friends on the weekends. I met a guy and he moved in, and everything went straight down the tubes. My boss fired me and didn’t give me an explanation ("something needs to change and we think it’s you" whatever that means), and I found another job immediately but only making about half of what I was making when I got fired. This whole time, I was still paying all the bills for the apartment and car, even when I had a full time roommate because he didn’t contribute a dime for the first 5 months he lived with me. I used up all savings and started to borrow money from family and friends until they all cut me off ( reasonably stating that because I had someone else living there, they shouldn’t have to rescue me and I’m inclined to agree ). so at this point, I’m about 2 months behind on my credit cards and car payments, and my brain snapped and I told my bf that he had to start helping with the bills. at which point, he started "helping" with about 1/4 of the bills for the apartment ( i never expected him to help with the car or credit cards, but I do feel he should have had to help with 1/2 the bills for the apartment, especially since his kids were there on the weekends as well ). I quite stupidly started just flat out ignoring the harassing calls from creditors and collection agencies (hey, I couldn’t pay my bills just to live, sleep and eat much less give anything to the creditors, and they refused to work with me the first couple of times they called). I surrended my 2 year old car that I adored because the creditors told me they had reported it stolen (i don’t even know if they can do that, I was 2 months behind on payments). also adding to the misery, I had co-signed a loan for my brother to get a truck, which he also defaulted on and surrended. So to date, I have ,000 in debt and have no way of paying it back (at least not for the foreseeable future). I do have a job, making less than 0 a week with no possibilty of any overtime and / or supplemental income. last october, I was severely depressed and got behind the wheel of a car drunk, got arrested and charged with a dwi. so now, I have to pay rent, fines and surcharges, my car insurance went through the roof, and my phone bill. at the end of the month, I’m left with about , 0 if I’m really lucky. I talked to a credit counselor to try to get the debts under control, and she informed me that my ONLY option is bankruptcy. I’ve come to terms with the whole bankruptcy thing ( and believe me, I’m not thrilled about it ) but the biggest problem I’m facing now is trying to come up with the money to file for bankruptcy. The creditors are getting more aggressive, I’ve been sued at least twice, and they are threatening bench warrants and garnishing my wages. I can’t afford what I’m living on now! If they garnish my wages, I will not be able to pay for something (most likely fines and/or surcharges) and all of this is going to turn into an even bigger mess.

I’m at the point now where I understand all of my mistakes, realize that I have to pay for them. But I’m also at the point where I am extremely close to suicidal. I can’t eat, I can’t sleep and I can’t concentrate on anything. I’m ill at the situation I’ve created for myself, but I don’t know how to fix it. I don’t even know where to start. I quit drinking nearly 6 months ago after realizing what it had cost me. Is it too late? Am I doomed to be a mess my whole life? It seems like this situation never gets any better, it’s gradually just getting worse, to the point of just giving up completely.
This situation feels completely hopeless. No one has any advice for me. every one just says "that sucks". well, no kidding! I hate to sound so shallow, like money is the only thing that matters to me. I don’t just care about money ( in fact, I HATE IT ). The fact of the matter is that my whole life feels wasted, like I’ll never recover from any of this. I hate no longer being self sufficient, and feel like I will never be able to take care of myself again.

Is there anyone out there that has any advice for me at all? Steps I can take to improve the situation? Or possible jobs I could take on to try to make some extra cash so I can take care of all this with a less than stellar record? I just need some help and this is my last resort. I really don’t know what else to do.

And for anyone who has snarky remarks, IE: you’re on the internet ( so I must have $ right? no, I use my computer at WORK), you made your bed blah blah blah, please keep the comments to yourself. the purpose of my post is a last ditch attempt at trying to get some help, not lose any more of my self esteem, if there is any left.
Thanks

Technorati Tags: 5 months, apartment, bf, boss, brain, brand new car, car life, car payments, collection agencies, credit cards, creditors, enough money, extra cash, family and friends, full time, misery, roommate, sleep, tubes, whole time

My husband and I bought a vacation home in FL…we had the unimaginable happen to us – while on vacation there was an accident and one of our children passed away. We immediately put the home up for sale and at the same time the market dropped. For two years, the house was on the market and was only worth half of what we owed. We exhausted every option (short sale, etc without luck) and we needed to move on from this financial and emotional burden. We filed bankruptcy just to move on. We have never fell behind on any other payments (our 1st home, cars, NOTHING). We filed for chapter 17 and have been paying our monthly payments for 5 months without fail and will continue to do so for another 2 1/2 as promised. We have found our dream house (would like to sell our current home and purchase that one) – I know a chapter 17 looks awful – are there any other finance options in order to be able to purchase this dream home of ours?

Technorati Tags: 5 months, bankruptcy, dream home, emotional burden, finance options, home cars, vacation home

have already met with attorney, he said I definately qualify for a chapter 7 and he will represent me. Need to know if anyone as any info they could share with me. I am planning on filing in about 4-5 months so I can get some things in order.

Technorati Tags: 5 months, chapter 7

I’m planning on filing chapter 7 bankruptcy in 5 months and I just used one of my credit cards last month(.00),so my question is,if I stop making payments from now til the time I file will there be a problem that I used the card and never made any payments on that card right after I used it?

Technorati Tags: 5 months, chapter 7 bankruptcy, credit cards, filing chapter 7, filing chapter 7 bankruptcy

We are in the middle of a chapter 7 bankruptcy n are 5 months behind on the house payments. The house place wants a relief from the stay or all of the money from where we are behind in. Can we go to a chapter 13 bankruptcy now in order to save the house n can we do it on only the mortgage company?

Technorati Tags: 5 months, chapter 13 bankruptcy, chapter 7 bankruptcy, money, mortgage company