Posts Tagged ‘circumstances’

How is Donald Trump even a footnote in the Republican Party?

And why is anyone thinking he would be a good candidate for president? Is it is business success? The man was given the best business education money could buy and billion from his father. Anyone under those circumstances should be able to do relatively well in business. And he STILL managed to bankrupt a casino. Is it his celebrity status? He’s a reality TV star. I don’t think Paris Hilton, "The Situation" or any of the Kardashian girls would be good candidates either. And how is the moral majority going to stand behind him when he’s been divorced multiple times and his extra-marital affairs have been the front-page story of many a magazine for the past three decades.

So what makes you like him? Birthers need not answer.
Ranger: I wish that were true. Look at Michael’s answer here. And he’s polling higher than any other candidate right now. God help us all!
Poochat: Success in business does not necessarily translate to success in government. Running a for-profit company versus managing a city, state or federal office are two VERY different things. Government should be looking to break even. If they make a profit, that means your taxes were too high.

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What can I do about someone causing me pain & something I can't control ?

There is someone in my life who has caused me great pain. So much pain that I feel it has touched my soul, and really harmed me in some way that is almost beyond repair. I am seeing a therapist. However, my therapist keeps telling me there is nothing I can do about this particular subject, and I need to let it go. I pray about the situation every day.

My problem, if you forgive me for it being too long:

My husbands ex-wife.

She is 52. She is a two time convicted criminal (for murder and attempted murder). She was charged with first degree murder and made a plea. She has served time in prison for this crime (convicted of a felony). She is a drug user. She hates all men. She has been recognized as being psychotic and a liar. She has applied for and recently been approved for SSI for being insane. She is also a hoarder (you know, like on TV where there is trash and fifth piled high to the sky and the home stinks like a trash dump). She has been convicted of murdering her daughter (11 months old) by holding her baby under the water in the bath-tub with her feet until the baby drowned. She served time in prison for this. She has been convicted of hitting (another felony) my husband over the head and cracking open his skill. My Father-in-Law rushed to the house to save his son (my husband’s) life until the ambulance came.

My Father-in-Law.

My Father-in-Law is 84 and he is a Doctor. We used to be on warm and loving terms. We lived together. He said he loved me. I said I loved him. His wife (my Mother-in-Law, a writer and professor) were also on warm and loving terms. She got ill with a brain tumor. While we were in another state (Virginia) preparing to move here (California), my husbands ex-wife (who was not allowed in their home under normal circumstances, moved into the home without our knowledge.

My Mother-in-Law has since passed away. Before she passed, my husbands ex-wife fired all of the nurses because she said it was too expensive and she could care for her. Now, remember, my Mother-in-Law hated her guts. When my husband went, she said: What is that woman doing in my home ? She hated her for killing her grand-daughter. She saw the autopsy records and the body. She saw the bruises and "foot" marks all over the body.

My husband ex-wife turned them against us. She had them change their will. She lives off of their millions (she has hardly ever worked because she would like about the criminal history, it would be found out, she would be fired). The entire family hates us. We don’t know why. We get no Holiday invites any more since she moved in. We don’t know why or what she has told people.

There are three children involved (13, 16, and 17). They used to live with us. They used to call me Mommy. Then, the ex-wife found out and demanded them back. When they lived with us they were getting straight A’s and involved with after school activities. With her, they get F’s. They have no after school activities except for the compouter. They are on psychiatric drugs. They do not attend school with frequency. One has been expelled. Once has been in the psychiatric hospital for cutting. One sleeps around and drinks.

I was under the impression that there was some kind of law in California that says anyone who commits violence against a child can’t live with them ?

Well, she lives there. As a guest.

I guess my question is: how do I get over this anger that no one cares about the children ? That we are supposed to see them, but the visitation orders are not enforced (we have gone bankrupt taking this issue to court because my Father-in-Law uses his money to fight us). Motions have been filed with the court (since we were denied visits time and time again) and they have not been responded to.

I need to stop worrying about the children. One of them wrote me again today and said they miss us and want to see us but were told they can’t without a person to pick them up and drop them off (they are being told this monitor is needed for their safety). This is, of course, a lie.

We have been paying for the "monitor" since 2005.

Since my husband and I don’t work (he lost his job due to a bankruptcy by the DoD company he worked for and has not been able to get a job since). I lost my job last week due to the program I was on being canceled by the government.

So, we are supposed to pay $ 85.00 per week (no checks or creditor cards) to a person to pick up and drop off the kids. Well, needless to say, we can’t afford it. So "they" (the ex-wife and Father-Law) have been allowing us to see the kids without paying this fee. They bring the children to Ralph’s and we drop them off at Ralph’s. The main reason they do this: we hae been told by the children that, since the home is so messy, no one is allowed in and their Mother is afraid we will complain.

They are all of a sudden being told that this pick up / drop off person is demand
That is a lie they are being told. We had an understanding that the "monitor" was not necessary because we could not afford one. However, my husband says I can’t write them that. No one in the entire state of California seems to care about the children. In her original murder trial, the Judge ruled she should never be around any child in any kind of capacity without someone being in charge of her because she is so unstable and crazy (based on Psychiatric reports the Judge had presented to him by the Prosecutor).

So, my question to you (I pray you can help):

What do I do with my anger ? My frustration that no one seems to care about the children or their downward spiral ? My worry about the children (their future, their ability to have healthy relationships, the possibility that they will use sex and alcohol and drugs as an escape?). Thanks for your help !

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Question re bankruptcy?

OK firstly, if you’re coming on here to give me advice and help: thank you. If you’re someone who is coming on here to stand in judgement, and tell me what horrible people me and my husband are for ‘racking up debt’ and then going bankrupt, then don’t bother wasting your time, because I will just report your post and ignore it anyway. Not being funny, but all I have got during the three times I have posted this today is nasty comments from a few people who have no idea of the circumstances that led up to the bankruptcy, and spam from people advertising loans! So if someone could give me some helpful advice, I would appreciate it. I havent posted it for several hours, so hopefully there’s some different people on here now.

So here is my dilemma:

We went bankrupt in November 2010, moved out of our mortgaged home, and moved into rented accommodation.. We owned a property (mortgaged) which had a 75K mortgage and also we had a 30K secured loan and £50K UNsecured debt. Just recently, one house near our old house, went for £105K, so the most it will get (at auction probably) is about £90K.

So we went bankrupt and the receivers contacted us to see what assets we have – we have none, except for the house. We haven’t been back to the house since, and didn’t have our mail redirected as we have informed anyone of any importance about our new address.

Well, I phoned the receivers today to ask if they have let the creditors know yet, (because at 12 Jan 2011 they hadn’t..) and they said yes they informed them and sent a report of our debts and other creditors on 18 Jan. Then this girl said, ‘your unsecured debtors (we had £50K unsecured debt) will know there’s little point in trying to you, but the mortgage company will need to contact you and know your ‘current’ address, because they will need to issue a repossession order,,,’

I am utterly baffled, as when we spoke to the receivers in November, (AND the court too,) they both informed us that the receivers would deal with everything, and that the creditors will need to go to the receivers for any assets we have. This is how bankruptcy works surely.???? And now this girl tell us that we should have contacted the mortgage company voluntarily, because the creditors ‘only let the creditors know the person is bankrupt,’ and because there is little equity, they don’t take the house themselves, they just leave it up to the mortgage company to reposses it at their leisure. So apparently, we are supposed to work with the mortgage company through the repossession. !!!

But why on earth should *we* have to let them know our new address so they can badger us here, ?? Surely they can repossess it without us. I was under the distinct impression from the court and from the receivers (at the start) that once we go bankrupt, it’s out of our hands. and now 3 months on, one girl at the receivers office is saying that we should have contacted the mortgage company so we can help in the repossession process!

Well excuse me, but we did pay the receivers £900 (£450 each) to do this job for us, and what would happen if we had buggared off and just abandoned the house like a lot of people do? Surely the repossession can go ahead without us?

Can anyone advise? I am super reluctant to contact the mortgage company and see no reason why they can’t simply repossess without us. And I am particularly pissed off that the receivers AND the court said it’s out of our hands and we need to do NOTHING, as declaring ourselves bankrupt freed us of the debt (and the assets of course..) and now this girl today has said we should inform the mortgage company of our new address, or the repossession order will take many months, as they ‘need our signatures…’ for the repossession order to go through swiftly.

For one, why only say this now? And what happens if someone abandons a property? Should we just leave it and wait for them to repossess without us?

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How can I find reliable, inexpensive representation to help with a disability appeal?

Eight months ago, I was diagnosed with deteriorating spinal disks. As painful and debilitating as my current condition is, I know it will only worsen with time. I applied for disability and was denied. I would like to appeal, but I think I may need some legal representation. How do I go about finding someone who will work in my best interests without completely bankrupting me? I can use all the advice I can get in this matter. Preferably from people with similar circumstances or experiences. I was told by the Social Security Administration that my condition is not severe enough to prevent me from working. But I know that I can barely stand long enough to wash one meal’s worth of dishes before having to sit back down for at least half an hour, and thereafter having to take longer and more frequent breaks. They say that, with my work experience, I could get an office-type job, which requires more sitting than standing. But I know that I can only sit in certain positions for mere moments before the pain requires me to re-position, often to a more horizontal position. Sitting in a chair is usually more painful for me than standing. So, if anyone has any useful information or tips for me, I’m all ears!!

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When a car dealer advertises "We finance everyone" what can one expect if they have filed bankruptcy?

My friend filed recently and we are going car shopping tomorrow. Naturally we will have to look where she might be able to get a loan. Please, keep moralizing to yourself. You have know idea about the circumstances. Thanks for your help.

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How to file bankruptcy for student loans?

I have heard it can be done and want to know how it can be done and under what circumstances as I know it’s difficult. I ask because I have over 100k in loans and have been unable to get a job that pays over 30k, and my payments are to be over 1,000 per month and I only make 1,600 per month.

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What do I do while in court for a credit card debt?

I will be going to court in a couple of days for a 5,000 credit card debt. I wanted to know what the best thing for me to do is. I want this to go away and want to settle for 2-3k at the most. What are things I should request if I want to settle? And what are things I should not agree to under any circumstances? I want to go to court prepared and not confused as to what I should be doing. Thanks for any help on the matter.

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Should I file for Bankruptcy? OR try to pay off my debt?

I’ve recently been contemplating filing for Bankruptcy (Ch. 7) because I am in so much debt it hurts my brain to even think about it!! I am currently over k in debt. Most of the accumulated debt I owe is from past bills I ran behind on due to some unnecessary circumstances. Right now I am attending school full time and working part time making a measly 20/month as my take home pay. With my salary I pay for all the usual bills: rent, utilities, wsg, car insurance, car note, and use whatever I have left over to pay down my debt. For the past year and a half I haven’t opened any new credit accounts and I’ve been on a tight budget. I take full responsibility for all of the finanical debt I put myself into but am stressed and afraid that some of the creditors I owe will soon take legal action (as some have stated in their threatning letters). I’ve attempted to set up payment plans and have tried to negotiate a reasonable payment plan with my creditors but even with some agreeing to this others are not as willing. I am just seeking some advice because my credit is already horrible and even if I decide to paydown my debt it will take well over 5 years relinquish. I figured if I file for Chapter 7 it will stay on my credit just as long as if I tried to paydown all my debt on my own.
Big T: THank you very much for the advice and the many suggestions. I have been trying to stay optimistic about the whole ordeal and I have to give it up to you because I understand first hand how hard juggling work and going to school full time can be. I understand my debt is nothing compared to others but it is still a debt I have to take care of. I appreciate the encouragement and will look into other wage earning opportunities and try other ways to cut back!

Barnaby J: Thank you, I didn’t really factor in my wage earnings after college because they are still unbeknowest to me. (maybe if I looked into a crystal ball I’d know for sure..lol) But, since you have mentioned it I am predicting my salary wages will increase quite significantly after college which will help me drastically in cutting my debt!! However, I am not trying to rely entirely on those predictions! Thank you!!

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How does a person who has gone bankrupt get an apartment or a loan?

I was wondering this because(no i am not going bankrupt) it seems that good credit is vital to obtain anything, even a place to live. i think it’s ridiculous. people who have gone bankrupt need a place to live to, and a car to drive. How do they get an apartment in thier circumstances? and how do people with poor credit get one? live on the streets? It seems very unfair.

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What does a letter to a creditor need to say to get them to settle a debt for less money and to report it as?

never being late?
According to the fair credit act, a letter to settle including a check for less than the amount owed , conditions upon cashing the check are that the creditor must report to the credit bureaus as the account never having been late.
I heard such a letter was impractical and that they won’t reply, or honor such a request, but it can be done under certain circumstances, such as a very very late bill, or request by an attorney.
Anyone know of the form to write the letter in to state it clearly and send it to the creditor?

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What would happen if the US govt went bankrupt? How would that affect the typical American?

I’m an American very concerned about this. What would happen to me should the govt go bankrupt?

Is bankruptcy possible under current circumstances?

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How does a person who is recently bankrupt find a job?

They will not hire me because they do not care what circumstances lead to bankruptcy. And each company who runs my credit history, this puts an "entry" on my credit, which makes my credit score go down even further. I cannot go without a job for another 2 or 3 years. Help!

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How do I file a personal bankruptcy in San Diego Ca. without a lawyer?

I need to file bankruptcy quickly. I have no money, crediit card debt, medical debts, also a vehicle repo. The circumstances are extenuating, I was unable to work for seven months, my wife left me and I’m living on a boat. I do have employment but far behind on all bills at this time.

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