Also do you know of any bankruptcy lawyers in the Western PA area?

Basically I went into debt consolidation through a non profit organization. I paid them one monthly payment and they dispersed it to all 3 of my creditors.

They have had problems with American Express accepting a proposal, or accepting a proposal then a month later saying no they wanted more than that. So basically they defaulted my account 2 times for this proposal problems and now they want immediate payment of ,300. I do not have that kind of money. I go to school full time, live it at home, drive a car owned by my mom, and work a part time job.

I have tried compromising with them, but they won’t budge. And my mom won’t bail me out because she feels I need to fix this myself. I know bankruptcy is a major step but I am just trying to look at all of my options.
Also if you know of anyone who has gone through a similar situation with American Express let me know. I would love someone to talk to about this.

Technorati Tags: american express, bankruptcy lawyers, creditors, debt consolidation, drive a car, full time, immediate payment, mom, money, non profit organization, part time job, proposal, western pa area

Read below.. thoughts?

College is worthless, and the average person has no common sense

Unless you major in law, med, finance, or computers…there really is no point to college.

Heck, even computers you dont really need much education. These hackers who, well, hack…most of them never went to college, they just play with computers all day and theyre SMARTER than the people who work for the government with Masters! The government guys make anti-hacking software, then the hackers always find ways to get through it! So….do you really need college for computers either?

Or law, all you need is common sense to be a lawyer, and most lawyers dont have common sense. The law these days is a joke, a 17 year old guy goes to jail for 10 years for getting head by a 15 year old girl??? Innocent people go to jail all the time, innocent people get executed. Lawyers only defend you because you’re paying them too. If the other guy paid your lawyer double to go against you, he’d do it. And bankruptcy lawyers…do I even need to explain? If you wanna file for bankruptcy, you have no money! So why do they charge you 00 to file?

Business, do you really need a Masters to know how to manage a business, when there are people who barely graduated high school and own their own business? Finance…do you really need a Bachelors to know how to manage money?

So many people are going to graduate college, forget everything they learned, and decide to change their career paths. So many people opt to go to graduate school, get their masters, PhD….for what? When you graduate, you’re gonna have so much money in college debt to payoff, and unless you majored in law, med, or computers, u probably wont make anywhere near enough to pay it off. You’ll end up working 9-5, Monday through Friday sitting at a desk all day, and then go home and be to stressed to do anything. And on Fridays, you’ll get drunk off your ass because that’s all you know how to do.

Look at the amount of people being laid off. 3 million were laid off last year, and of those 3 million, i guarantee at least half had college degrees, maybe Masters, PhDs. NOW those people are fighting to work at places like mcdonalds. Theres no such thing as job security, NO SUCH THING. Within 20 years, when all these immigrants who cant speak English, start to speak better english, theyll take your jobs. Those people work 100x as hard as you do, and will do YOUR job for HALF of what you make, AND be 100x more productive.

The majority of these jobs, all you need is a month of on-the-job training, and you’re set. These hispanics who cant even speak English, go and cut someones lawn and make 30 dollars for the 45 minutes it takes them to cut it. Meanwhile, you’re making 25 an hour to sit at a computer wearing a suit and tie for 40-60 hours a week.

In this economy…you all think its BAD to live at home??? Quit dissing people who live at home, theyre SAVING their money.

Companies want you to think they wont hire you unless you go to college and study a bunch of courses you’ll never need. Sara graduated with a 99%, and Joe graduated with a 72%, and they both got the same degree, whats the difference? No employer is ever going to ask for your grades, and they also wont ever call your college to make sure you graduated. Ive seen ads for jobs that a monkey could do, and the company says "must have a BA in…", and im like "why?!…a monkey could do that!". They think that by going to college, you become a better all around person…when in reality, you probably become an alcoholic and party slut or party jerk. My cousin is married to a girl with a Doctorate, and shes had 6 reckless driving tickets in the past 7 years, and all she talks about is how her and her lawyer friends get together and get smashed…..wow, smart people.

You the employees are much more superior than your bosses. Theres 2-3 bosses, and 4000 employees, so who do you think would win in an argument? If you want a pay raise and you’re sick of kissing ass, simply STOP WORKING and go on strike til you’re CEO decides to give you a pay raise. Why is it that airline pilots, lawyers, doctors all go on strike to get higher pay raises (yet they make ENOUGH), yet the people who make shit money, never go on strike? Continue kissing ass, hating your job, and not standing up for yourself and i promise you, you’ll suffer for life. EVERYWHERE i go, 80% of people HATE their jobs and job life. Thats sad. Ok actually, they LOVE their jobs…when its 5pm and theyre ready to leave, lol. But when its 6am and they gotta get up, they HATE it. When its payday, they LOVE it. When its the weekend, they LOVE it. But during the work day, they hate it.

Supervisors, bosses, executives, managers, etc…are full of crap. I used to have a job where I worked at 7am, and one time I had to work at 4am. My boss complained that I wasnt doing much and being too quiet and lazy……at 4am. Hmm, I wonder why someone would seem lazy a
at 4am?! I mean, were these bosses born yesterday? ITS 4AM!!

One thing thats pathetic about employers, is they expect hard work for little pay. In high school I made .50 an hour at UPS, .50 an hour at an ice cream shop. I also made an hour at a grocery store, and all 3 jobs expected me to work like a dog. ….for how much per hour? No, you get what you pay for! If you want an HVAC technician to come install a new system in your house, and he offers to do it for 0, you WONT get a good system. Same goes with people. You DO NOT pay someone .50 an hour and expect hard work. YOU.GET.WHAT.YOU.PAY.FOR. Another thing thats funny is, companies expect you to give them 2 weeks notice before you quit…YET, if they fire you, they dont give you ANY notice, and your finances will be ruined. If you just leave, they’ll replace you in a day.

You wanna know why so many of you work too much? Because you’re materialistic. You have to have the top of the line car, the best apartment, you part
you party constantly, you gotta have the best HDTV, or spend 9 dollars on a drink….wtf?!

Book smarts will only take you so far. Street smarts is what you need to survive life. And common sense. Most people ive learned, have none of that.

All a degree says is, you went to college and took courses you’ll never need, and spent the money which youll now need to pay back…and ur job doesnt pay enough to let you pay it off comfortably. (Especially if you go to GW and pay 65K a year). Go look up online, the best doctors and lawyers in this country, they didnt go to Harvard, Yale, or Princeton.

Companies dont lay off workers because theyre losing money, they lay off workers because the CEO is making 2 million instead of 20 million, and that makes him sad.

Technorati Tags: 10 years, average person, bachelors, bankruptcy lawyers, business finance, career paths, college debt, common sense, fridays, hackers, hacking software, heck, how to manage a business, how to manage money, joke, lawyer, masters, monday through friday, old girl, own business

I just had someone looking for me at my old address with a badge and a clipboard and I have never done anything illegal in my life!! Assuming that- it must mean it is a collection agency looking to serve me papers. I just started looking for bankruptcy lawyers today (looks like its a little too late). Does this mean that this certain account cannot be included in my bankruptcy??
I am located in Illinois.

Technorati Tags: bankruptcy lawyers, clipboard

This is a crucial election for everyone. Voters from every age group, every level of our economy, every state, every party, and everyone able to vote needs to vote to protect themselves. This Congress even more than the President has failed their voters. Each and most likely every one of us has taken enough financial abuse at the gas pumps because this President and this Congress did not take a stand for us. If you are unable to meet your mortgage, the radically increasing and fluctuating fuel prices have contributed the most to your troubles. By the time the fuel prices added their costs to production by farmers, to transportation costs, and to every other activity in our economy alone… Well, you know what has happened to our economy and it should not have happened. On Wall Street, there are more actors than in Hollywood or DC. Take a cup with some coffee in it; you could spend all day discussing how full or how empty the cup is; and by the time your discussion ends, the coffee will be stagnant and unsafe to drink. The petroleum investors on Wall Street and World Wide toyed with our lives and our futures until they realized that they goofed big time. They nearly murdered their own markets and nearly committed suicide. Now, everyones financial resources are stressed to the limits (except bankruptcy lawyers, a viable source of future work for the lawyers who need to be voted out of DC) and our Governments at all levels are beyond that point, too. It would cause us to revolt if we knew how much we are expected to pay for the likes of Exxon_Mobile to make record profits. Now do you finally get the picture? You have only one alternative to save your own butts. VOTE!

Technorati Tags: actors, age group, bankruptcy lawyers, big time, butts, exxon, exxon mobile, farmers, financial abuse, financial resources, fuel prices, futures, gas pumps, governments, petroleum, record profits, revolt, transportation costs, viable source, wall street

I know it is not advised due to new bankruptcy laws, but I can’t afftord to pay a bankruptcy lawyer. If I could, then I wouldn’t need to file bankruptcy. I’m a college student with over 10,000 dollars worth of debt and I just found a job but pays 7.00/hr. I barley have enough money to pay for the court filing fees. So any suggestions on filing myself? Or any affordable bankruptcy lawyers in the metro Atlanta, GA area?

Technorati Tags: atlanta ga area, bankruptcy lawyer, bankruptcy lawyers, barley, enough money, job, metro atlanta ga, new bankruptcy laws