"Jeff", 21, is a full time college student and can no longer work because he doesn’t have the time. His dad lost his car for driving without any credentials, so Jeff now drives him to and from his low paying, thoughtless job every day. He drives him anywhere he needs to go – bank, store, church. It’s been going on several weeks, and the father has said nothing about getting a new car since he can’t afford the 00 ticket. The father spends most of his time partaking in church and football watching on tv. He has no aspiration to get a second job, because as long as he has his routine church, football, and weekly steak, he is happy. Honestly, he isn’t very bright, for he can’t even understand basic things that Jeff or I talk about – he isn’t bright at all. It seems hopeless.

The father has lied to the mother, who cares but is going bankrupt anyway, so it’s not like she can financially cover her son, Jeff. The father even lies that he is paying Jeff’s car insurance, when really he isn’t paying for his or his son’s.

The father does give weekly twenties to Jeff for gas, in addition to cash for any of his car repairs. It’s not enough though, so I give money to Jeff as well. Ever since the father’s dilemma occurred, Jeff has been far more anxious and tired than normal. He is so busy, he has little time to consider a plan. He also doesn’t have much time to complete the startup process of his online business. He is driving illegally (no insurance), so this must be corrected. What can he do, and does it benefit that I inform the mother of the truth?

Technorati Tags: aspiration, car insurance, car repairs, credentials, dad, dilemma, full time, insurance, little time, money, new car, quot, second job, time college student, truth

First and foremost I want to say thank you for all answers I recieve. This is obvisously not an easy time in life and all answers are carefully read, as I hope that you take into consideration all that my situation entails.

When I was 19 I set out to get myself a great credit score, something both of my parents could never do. And I did, I went through my credit report took off somthing that my dad had put in my name as a kid and got my first credit card, making on time payments and just having a balance of on the 0 limit. Well, then I, after my dad moved and other bad things happened in life (theres a long story there) I kept getting more and more cards I think trying to distract myself from my situation at the time. So I eventually realized that crap I was in a lot debt (00) which on my Starbucks paycheck of 0 bi weekly and rent in Detroit and car repairs, I was already making minumium payments so I moved to Charlotte NC to stay with my mother and pay this off. I got into debt counseling (which I feel was a mistake) I reduced all my payments from 0+ a month to 200. Well now I live in TN where the taxes and cost of living is lower. I sold my piece of crap car for a whooping 0 after it broke down and my gf and I have been sharing her car for the last 4 months and the budern as been great on us both.

Now I find myself so stressed. I let my dad use my eBay account after he lost his job so he could start making money to help himself live, but he sold stuff he didnt really have and now my paypal accoutn is at -00 and he hasnt paid on our cell phone plan (which is under my name) going for a total of new debt thanks to my dad (this is all dad related) to 00.

Well My credit card debt hasnt moved too much. And heres roughly where I lay now:

-00 in credit cards being paid off through credit counselling
-00 in medical bills I havent even touched (oh and I dont have health insurance either I took another job that promised more money but turned out I dont get medical for another 6 months)
-00 because of my dad and my sere stupidity
-00 in student loans (which I know cant go away with bankruptcy)

————–
Total = 800

I make 12000 a year and I cant just get another job because I dont have a car and my gf and I share one. I never thought I would consider this move but Ive tried for years now to do it the honest and hard working way and its gotten me nothing.

If you have a question go to my profile and click email me! Thanks!
I know that filing that would mean I couldnt get a car loan and some places wouldnt hire me but trust me that doesnt seem like a bad sacrifice even though Ch 7 would be on my record for 10 years. And once again thank you!

Technorati Tags: 4 months, car repairs, charlotte nc, cost of living, credit card debt, credit cards, credit counselling, credit score, dad, debt counseling, ebay, ebay account, gf, health insurance, medical bills, paycheck, piece of crap, somthing, starbucks, time payments

I am a single parent filing a chapter 7 bankrupcy. I always get back about 3400 a year, because of child tax credit and earned income credit. Now i am scarred that i won’t be allowed to receive my taxes next year. I depend on this money for the year to help with food and clothes, car repairs. Has anyone filled a chapter 7 as a single parent, with no properties or other assets? And had their taxes for the next year taken?

Technorati Tags: assets, car repairs, chapter 7 bankrupcy, child tax credit, clothes, money, single parent