I have a lot of debt (all credit cards) and I need to find a way to settle all this debt! I would much rather settle my debts than file bankruptcy. Currently, I am approximately ,000 in debt between about 8 different credit cards.

Does anyone know a good person/company that can help me settle? My good friend said she hired an attorney who helped her & her husband settle their debts for less than 40% of what was owed. Is that possible & how can I settle for a similar percentage?

Technorati Tags: amp, bankruptcy, credit cards, debts, good friend, good person, person company

My GF has about 30k in debt…mostly credit cards Just found this out a few days ago and asked her to sit with me and tabulate everything. She has not defaulted on any part of it, but, I guess that could be a possibility down the road. Anyway, the only thing that I have my name on with her is the lease to our apartment (though the bill comes in my name and in the lease it specifically says that any money from the security deposit goes back to me and only me) Also, we have our names together on our internet/tv/phone bill.

I can cover these bills on my own if it becomes absolutely necessary. Obviously I don’t want to and don’t plan to…but I can if the only alternative is being evicted or having services cut off.

My concern stems from this. If a person declares ch 7, I understand that the creditors can basically take anything and everything you own. Would this have any impact on MY personal assets?

Thanks for your help.
Thanks to all who took the time to respond. I appreciate the help!

Technorati Tags: apartment, ch 7, credit cards, creditors, few days, gf, internet tv, money, personal assets, security deposit, thanks for your help, tv phone

To make a long story short, I have managed to bury myself with almost ,000 in credit card debt I did not want to file bankruptcy. I have been able to pay around ,500 a month towards credit cards consistently which usually cover a little more than the minimum payment. I was doing the math and even with getting interest lower this is going to take me anywhere around 8-10 years. So I decided to join a debt settlement program that allows me to pay 75 a month for 36 months and it will get me out of debt by settlement. I have never been late on anything before but this month I have been advised by the company I decided to work with to stop paying the creditors. Does anyone know if the debt settlement companies send pfd’s or are they just trying to settle and get their share? What are somethings that I should expect to happen to my credit in the next 3-5 years? Does anyone have any success stories about settling their debt? I am just trying to sleep good at night with this decison.TY

Technorati Tags: 10 years, bankruptcy, credit card debt, credit cards, creditors, debt settlement companies, debt settlement program, decison, math, minimum payment, pfd, sleep, success stories, ty

A few month’s ago, I started working with National Debt Relief to settle 2 credit cards….1 with Discover and one with Citibank.

I have had no issues until the other day, when someone from Citi called me to say they don’t work with debt settlement companies.

So, I have my debt settlement company telling me "don’t listen to the creditors, they are just trying to scare you", and then I have Citi telling me "don’t listen to the debt settlement company because they take your money and never pay us…a law was passed last year that we no longer work with debt settlement"

When I first enrolled into the settlement program, they said they did work with both banks, I had to provide my statements and they seem completely legit. I have a certain amount of money automatically being deposted into a trust account with the settlement company uses to pay off attorney fees and my creditors over a specific period of time.

How do I determine who is telling me the truth, and if my debt settlement isn’t working, what do I do with Citi? They did send me a letter asking me to settle…so what’s the difference if I settle through debt relief vs. settling directly through me?
If it helps, Discover has contacted me and is aware that I’m working with debt settlement and seemed more than okay with that. and they both sent me letters to settle for less than what i owe. it isn’t very much debt at all….just what I couldn’t pay off from my old lifestyle, after I had to move across the country and take a job making much less than i had before.

Technorati Tags: amount of money, attorney fees, banks, citibank, credit cards, creditors, debt relief, debt settlement companies, job, lifestyle, national debt, period of time, settlement company, settlement program, telling me the truth, trust account

I only have 1 credit card and it has a 00 limit only. I hear online about people saying they racked up ,000 or ,000 in credit card debt and can’t pay the creditors. My first question is how in the world did a credit company let this happen? And don’t most of these people have credit card limits?

I know for credit cards, you suppose to pay within 30 days or so and if you don’t pay, interest is piled on. But wouldn’t after say 6 months where a person can’t pay off their credit card bills, then the credit card company would shut down their account? I hear people talk about maxing out their credit cards but what in the world are they buying where they rack up credit card debt that is ,000? I mean, you can’t buy a car with that since i don’t think you can buy a car with a credit card right? And don’t most people have limits? I would think most credit card limits are max ,000 a month unless they have a very decent job.

Can someone explain how people rack up so much in credit card debt? Do they get 10 credit cards with 00/month max and then max it every single month for 5-6 months? I understand when people rack up debt in medical bills, student loans, taxes and those things but i just don’t get how can people rack up so much in credit card bills. I mean after a person owes ,000 to the credit card company and can’t pay it back, why would they continue using it? I understand if you use it to buy food and support yourself and your family but do people rack up credit card bills b/c of food? I don’t think so right?

And if a person cannot pay it back, i assume they can file bankruptcy right in the united states? And i hear people talk about fleeing the country because of credit card debt. Do they do so successfully? And usually what countries do they flee to? I’m sure canada isn’t one of them right since you can only say 6 months max? What countries do people flee to? Do they ever get caught? So if they stay there after a certain amount of time, wouldn’t they be there illegally? And since they have to support themselves and make money, wouldn’t the us government know that they are making income and thus could garnish their wages even if they live in the other country? Or do these people just try to make money off the table and just live and hide? I mean, are there people that have huge debt , leave the us and then become successful later on in the country they flee to and then become rich? Because if they do become wealthy, wouldn’t they be caught eventually for fleeing the country? If they then decide to pay back their debt after they made money, would everything be fine or would they face huge penalties for fleeing the country? Or do they just have to stay below the radar and can’t live in a nice place because of it?

I’m very curious about this because i read so much about credit card debt and people leaving the country. I just can’t believe a person could have credit card debt this high because i assume the CC company would freeze their cards after they don’t pay after a few months if the balance is high.

Technorati Tags: amount of time, bankruptcy, canada, credit card bills, credit card company, credit card debt, credit card limits, credit card right, credit cards, creditors, decent job, medical bills, student loans, united states

I made some bad choices in the past regarding my use of credit cards and have spent the last few years making it better. This includes settling my outstanding balances on the credit cards that I had defaulted on (it’s only fair to pay back what I owe, in some capacity, right?).

Today I received a very pushy call from Creditors Interchange telling me I owed several hundred dollars for a credit card that I payed off through settlement last year. I was calm and checked my paperwork while on the phone and sure enough, I have records of the settlement.

The unpleasant man on the phone informed me that I owed monetary payment on the interest rate (and threw out a 20% rate) that had accrued on the debt. I informed him that I had already settled the debt, but he seemed adamant about what I owe and threatened me on the possibilities of ruining my credit score and kept insisting on bank account/credit card payment information. I refused.

Thoughts?

My impression is that settling a debt effectively closes the door on future amounts that I may owe in the future for the card? In a sense, double jeopardy?

Technorati Tags: choices, credit card payment, credit cards, credit score, creditors interchange, double jeopardy, interest rate, jeopardy, monetary payment, paperwork, possibilities, unpleasant man

I’m in deep financial sh*thole. The only way out is bankruptcy. I was just wondering for someone who is single, owns 000 in credit cards, makes 000 a year, do I have an easy chance of filing a bankruptcy?

Technorati Tags: bankruptcy, credit cards

I am unsure if this would be a smart move for myself. I am a single mom and most of my accrued debt is medical bills. I owe about 29,000 in medical and about 3,000 in miscellaneous things such as credit cards and etc. My family is encouraging me to do this but I don’t know much about bankruptcy… HELP!

Technorati Tags: bankruptcy, credit cards, medical bills, single mom, smart move

My wife moved out of our house and got her own apartment. Now I am stuck with a house payment I can’t afford and I also have a car payment and a bunch of credit cards in my name. She didn’t give me any warning of this move. Now the mortgage payment is due and I can’t afford it by myself. What would be some options or paths I could take at this point. Can someone explain how the different chapters of bankruptcy work? Should I just let the house foreclose if I can’t afford it? Can I file bankruptcy on my car and credit cards by thereself. If I took all my credit card bills and my car payment out I might be able to afford the house by itself. What chapter would this be callled? Someone explain to me every option I have at this point that has had experience with this same situation.

Technorati Tags: apartment, bankruptcy, car payment, credit card bills, credit cards, foreclose, mortgage payment

I am looking to buy a home next year but I haven’t been paying my credit cards since 2009. I know I’m credit won’t be good either way but I wanna know which option will help my chances more of getting a loan. Any info will help! Thank you!!!

Technorati Tags: credit cards, getting a loan

On filing Chapter 13 repayment plan. Is the heloc loan included in the repayment plan?or only credit cards?

Technorati Tags: chapter 13, credit cards, heloc loan, repayment plan

Hello,
we had a few credit cards over last 2 years , total amount of still outstanding balance is about £ 28.000.
We had our bad luck with running a small business – investing in stock which hasnt worked out – partially lost, partially it has arrived broken etc.
Over last 1.5 year we have been paying all cc companies on time etc but now we cant anymore.
We are both self-employed and dont have any fixed income .
So – what to do? We dont care of credit history ,but we have amortgage which we are paying so – any advise how to settle all that down?

Technorati Tags: bad luck, credit cards, credit history, fixed income, investing in stock, small business

I have been a single mom for 9 years. I was using several credit cards for things we needed and actually was doing well making payments until the credit card companies began to increase their interest rates and amounts owed per month. My credit score was perfect. I never missed a payment. I began to be unable to pay what I owed due to increased monthly demands from the credit card companies. I spoke to a representative from Armored Debt Center who convinced me that they would settle my debts for amounts less than I owed, therefore giving me a chance to get out of credit card debt altogether and I agreed to pay 8 per month for them to do so. It seemed like the right thing to do for me and my family’s future. I have put a lot of effort into making that payment every month starting last October. Armored Debt Center told me not to answer calls from my creditors and sent me a script to basically get off the phone without telling them anything. I followed this advice. They tell you to tell the debt collectors that they are only to communicate with you in writing and then you are to fax everything to Armored Debt Center. When the first credit card company took me to court, I followed Armored Debt Center’s instructions to go to a particular website and retrieve documents to fill out. It was a website that anybody could have googled, not affiliated with Armored Debt Center. It was difficult to figure out what I needed to put on the documents that were to be sent to the court. At one point, I called Armored Debt Center and was told that they “cannot give legal advice” so I was left to figure things out on my own. I was told by Armored Debt Center not to worry, that this was part of the process. I filed everything the website suggested with the court. Prior to my court date, I called Armored Debt Center and was told nothing more than, “Don’t sign anything”. Judgement was awarded for the full amount, plus interest, plus court costs to the credit card company. I continued to keep in contact with Armored Debt Center and fax them everything that was sent to me. It would take up to several weeks for them to call me just to state that they received my fax. They have a well-rehearsed spiel that they give on a continued basis stating that “This is a process. Don’t worry. Keep faxing us documents sent to you. Don‘t give any information to debt collectors when they call you. Use your script. No further action is needed at this time.” They led me to believe that they would be settling with the debt collector “after my next payment”. This went on for several months with no settlement. Armored Debt Center did not settle my 44 debt with the very first credit card company that filed, after a full 12 months of payments at 8 per month. I had given them 96 of hard-earned money and they had not settled anything. Every time I would call, I would get the same run-around, rehearsed speech and be coerced into continuing the program. I would explain that other credit card companies were getting ready to take me to court. Now, the court has allowed the debt collector to garnish my wages by 25%. Because Armored Debt Center failed to settle with the first credit card company to take me to court and my wages are being garnished, I no longer have hopes of being able to get myself out of debt because I don’t have any extra money to give to a debt settlement company, or to save on my own, for such a purpose. At this time, my 3 other credit card companies have indeed initiated taking me to court and I have summons for those now.
I spoke to a representative at Armored Debt Center, Mark, about what had happened and that their debt settlement program had failed miserably. I called Armor Debt Center to ask for my money back for a program that had failed. He eventually said that he would give me back my “reserves” which was 38 but they would not refund their “service” fees which were 30. When asked what services they had provided for 30, Mark stated “education”.. Education on a program that did not work, that did not do me any good whatsoever, and in fact got my wages garnished and ruined my credit. My “education” was a script on how to get off the phone with debt collectors and what website to go to to fill out paperwork to send to court that anybody could have accessed. Upon further pleading with Mark, he stated that they would refund 3 to 4 payments. By the end of the conversation, however, he was saying 2 to 3 payments. Therefore, Armored Debt Center was intending to keep 98. I received an e-mail today asking me to sign a form stating that I will accept 32 back from them, which is only 2 payments and indeed would award them 98 for doing nothing that benefited me. I have been so stressed out, I’ve nearly made myself sick. I have heard that there has been a law passed to safeguard people from these debt relief scams. I have not yet had a chance to find out the specifics.

Technorati Tags: credit card companies, credit card company, credit card debt, credit cards, credit score, creditors, debt center, debt collectors, debts, interest rates, judgement, legal advice, single mom

After having been wrongfully terminated August of last year, and being out of work for nearly 4 months with no income, my car was repossessed. On top of owing close to ,000 for that, I owe for a cell phone bill, as well as 4 credit cards, one of which I got to help out while I was out of work. Are there any other options to get myself out of debt without spending years and more money than actually owed to avoid filing bankruptcy? Some of these credit cards have gone up 4 times the amount that was initially owed. One of my major concerns is that I was paying the payment protection plan and none of the companies honored it. I would have easily been able to pay my debt had they honored the payment protection plan. I could dispute that and get the amount owed down to the actual amount, but where does that leave me with paying off a car I don’t have? Please, any advice would be greatly appreciated. I’m only 26 and the last thing I want to do is file bankruptcy.
I’m furthering my education and do not wish to have such poor credit for the next 7 years. How will I be able to afford rent, a car, and paying this debt off while going to school?

Technorati Tags: 4 months, cell phone bill, credit cards, education, filing bankruptcy, money, payment protection plan, poor credit

My credit score is 300 points so I am at the end of my ropes i do not have a credit cards and I am despartely seeking a way to recover myself.

Technorati Tags: credit cards, credit score, ropes

In November, I made the decision to file bankruptcy and it was filed a week ago today. My problem is I recently purchased a car (4/4/11) and I have a car loan, but I want to surrender the car under the bankruptcy. The problem is the car is not in good shape as they told us it was (they said they replaced the transmission, but the transmission is stalling and jerking), and they are not willing to switch the car/trade it. I also called the bank and they are more concerned with getting their money than actually helping me (go figure). Will this look bad on my part or is it fine to do? I am wondering because I have to make another payment tomorrow and I would rather not if I can surrender the vehicle, and I don’t want to pay if it will jeopardize my bankruptcy. I emailed and called my lawyer, but he left early for the day :0) Please help!!!!

I am filing because I was sued twice and a lawyer told me to do nothing, so now I have a judgment. I am the only income in my home, and trying to get a reliable vehicle, I opted for a car loan thinking that was going to ensure I had a good vehicle.

I also make sure I work overtime so i can afford the car to be able to work. With a family I am trying to do what I can, but I can’t do that and pay back ,000 that was run up in my teens. I was pregnant with no job so I maxed out credit cards to buy food and clothing etc…. I regret it, and wished I never done it. Now I want to be able to start fresh with the new life I am making for myself.

Technorati Tags: bankruptcy, car loan, car trade, credit cards, good shape, job, judgment, lawyer, money

I have an old Citi card, Capital One card, Best Buy, Chase, and then a few smaller ones- Wal Mart, Express, and Lane Bryant. I haven’t made a payment on most of them in at least 2 years. I stopped paying them cold turkey because they jacked the interest way up and wouldn’t negotiate with me, and I couldn’t afford to pay them along with tuition, rent, etc. since I didn’t receive help from my family. I’m not even sure what I owe, but with all the fees I’d estimate I owe a total of ,000-,000 spread out on them all. Without the fees it would have been half of that. In addition, I have ,000 in student loans. I’m not making much money right now at all. For now I’ve just been focusing on paying my student loans in the hopes of rebuilding my credit. I don’t see how I could afford paying off my credit cards. What should I do about them? I’m not getting many calls anymore, but lately someone is calling threatening to sue me for 00 credit card. They have threatened to sue me before (Citi Bank) and even sent me a summons of court letter, but never followed through. What is my best option? For now I plan to keep ignoring them but I am sick of this problem. Help!
Thanks roscoedeadbeat. All my credit cards are already in collections, and they have been for about 2 1/2 years. I also had a 2nd Citi and 2nd Chase card but paid them off as a settlement years ago with some student loan money… Now, the problem is, I don’t feel like I really can afford to pay them. I’m already having a hard time paying my student loans- right now I have to pay 0/month and soon I will start paying my private loans which will be around 0/month for a total of 0. I feel so overwhelmed! Maybe I’ll talk to them and ask what is the lowest they can settle for, and then see if my family can help me at all, but I hate to ask them for help. Thanks for your answer though.
Thank you for the answers Sgt Big Red and carl.bennet. I looked up the statute of limits in my state (MN) and it is 6 years… so I am about halfway through. I might end up making more money in the future, but I don’t see it happening for a while. I plan to go back to school within the next year (either part-time or full-time if I get a graduate assistantship), and that will take me at least 2 more years. So maybe I will continue to wait it out. I don’t want to deferr my student loans right now because I want to save deferrment for a later time in case I’m in a worse situation then- such as if I have a baby or get sick. And I can only defer my federal student loans, I can’t defer the state loans. It’s so hard- I wish I had been smarter about debt, but I guess you live and learn. I appreciate your answers.
Oh one more thing- this is a bit desparate, but if I moved out of state to where they have a lower statute of limits, would the new statute of limits apply to me? Or would it be the same statute of limits since it originated in MN? Thanks!

Technorati Tags: 6 years, best buy, capital one, capital one card, chase card, citi card, cold turkey, collections, credit card, credit cards, hard time, lane bryant, loan money, much money, private loans, student loan, student loans, summons, wal mart

Or do you have to pay the difference between what you own on your outstanding loans and credit cards and what these items sell for or are auctioned for?

Technorati Tags: credit cards, loans

Ihad a judegment on my report for the amount of 1766.00 when I called they told me the total amount was 4700.00 because of Intrest, but they would settle it and send me a paid in full letter. was this a bad idea, should have I arranged to pay it all. I also paid off some old collections ( 5-6 years old) a couple settled for less and a couple I paid full amount ( fees, orginal charges and intrest) how long will it take to clear up my credit and for my score to improve.
I have plenty of new good credit, I have had a new car payment for almost 2 years and never been late, I have a few credit cards that I pay off each month and so on….
So I have good credit I just had a few older collections that I have paid off, but I have not had any BAD debt new to my credit report in 5 years
I sould have letters from each of the creditors with in a couple weeks and at that point I will send them to all three buerues…

Technorati Tags: 6 years, bad debt, bad idea, car payment, collections, couple weeks, credit cards, credit report, creditors, intrest, new car, score

I am not making as much as I did a few years ago but I have more debt than ever. I can’t pay all my credit cards and I’m already getting calls from collection agencies. It’s starting to stress me out. My girlfriend and I are thinking about getting married but I don’t feel right about it – not unless I can pay back some of this debt. She has no debt and has complained about mine. Pls help.

Technorati Tags: collection agencies, credit cards, girlfriend

okay I am married and we are currently overly in debt. My husband is working a great job while I on the other hand lost my job due to the economic ways we are in. we are about 18,000 in credit card debit that we stop paying in general. we have a 38,000 car loan that we have been paying and have had it for a year now. than of course we have all the other basic bills FPL, Cable, Car insurance , rent which is 1,000 a month. since one side has been bring in money we have only be able to pay for the basics and car payment, car insurance, and rent.
There is really anything else we can do.. there is no managing money because all of the money goes directly to bills.. there is nothing we can sell to gain money for all our debt.. it just seems like its getting worse and worse and we thought about bankruptcy. Yes, I agree it’s a horrible thing and it stays on your credit for 10 years YES THAT IS RIDICULOUS bad.. but really what is there else to do.. the interest rates on the credit cards are so high that because of 1 month not paying the minimum jumped up 700.00 so i don’t even want to check what it is now!! We don’t have much options besides that.

If we decide to do it how will it effect his current job? Does his current job have to know we filed bankruptcy?
How would it effect our car loan?
How would it effect us paying RENT to our landlords..

Thanks a lot of the help in advanced

=/ ohhhhhh
Thank you for all that is giving me their opinions.. and to add on… yes a 38,000 car loan is ridiculous. But we all do things in life that isn’t perfect. So, it doesnt matter our age not everyone makes the correct decisions regardless it doesn’t change the situation that we are in. so call it stupid or whatever you like… All i am trying to DO is get opinions to better my situation and to answer me questions I have.

Thank you for all who has answered all have helped in different ways.
Greatly appreciated

Technorati Tags: 10 years, bankruptcy, cable car, car insurance, car loan, car payment, correct decisions, credit card debit, credit cards, different ways, fpl, insurance, interest rates, job, landlords, managing money

I have debt that may total about 00 but i live pay check to pay check and just found out i am pregnant. i have not paid any of this for about a year or two. trying to get my life back in order before the baby is born but was hoping to settle my debt. I had 3 credit cards one for 300 and one for 700 one i only owed 80 dollars on but stopped receiving bills, i also owe a bank money to just not sure how much. i couldn’t make the minimum payments anymore. lost the place i was living at and everything. finally getting my life in order but at my whits end. and advice would be great
so basically i cant pay or settle for anything? if i cant deal with the collection agency then how to i get rid of the debt without them taking further action against me?
I do not have any money but i do have a snowmobile i can try to sell. no i haven’t got anything from them at all no mail just phone calls that i don’t answer. but thats what happened to my parents but they owe way more then i do but i dont want that to happen. i dont want to wait around for something like that to happen. even if i somehow got the money to give them 300 for the 300 limit credit card and just not pay all the interest and late fees… would they be more willing for something like that? i have not ever contacted them in the past 2ish years. i dont know just frustrated trying to find answers of how to deal with this when it is this out of control….

Technorati Tags: bank money, credit card, credit cards, late fees, mail, minimum payments, parents, snowmobile, whits end

I want to file for bankruptcy on credit cards and school loans but not my car can i do this?

Technorati Tags: bankruptcy, credit cards, school loans

I am very nervous about what can happen to my home. I am waiting for a closing date as my parents gave me money to purchase a modest home. I am married and my husband and I need to file bankruptcy. We lost our home to forclosure a few years ago, lost our vehicles and had some credit cards. My parents want to see me enjoy part of my my inheritance now and I also have health issues that allow me to only work part time. I know I need to contact an attourney but I dont have the money for that yet. We are still renting but will be closing within the next 2 weeks. What should we do when we file? Again, the home will be only in my name which I am not sure if this will help or not. My husband has some personal credit issues and I as well. But, most of our issues are together. We believe we should file a chapter 13. He is a school teacher and I am a part time self employed music teacher. He also owes a lot of money on student loans from getting his Bachelors degree. I am 51 years old, am very grateful to my parents yet very nervous about losing my home. Thank you !
My parents do not want the home in their name as they do not want to pay Insurance and taxes among other reasons. I have heard of many people owning homes and filing chapter 13. If this is the answer do you think we need to do it soon so the courts do see that we are trying to resolve the issue after recieving this gift? They will also see that our hardship and loss was due to my husband being in the mortgage industry and my health issues.
Thank you for your answers. Here is my second question to my second answer.
We had put down a chunk of money for escrow. We were to close a few weeks ago until Fannie Mae said that they need go over the homes forclosure papers. Something was not done exact. I and Fannie Mae signed an extension. Can I back out of the deal and do the bankruptcy then look again for a home again? Or, will I lose the escrow money which my dad would kill me for that. That is my concern now?
Omg… yes they paid cash…. And, yes it is in my name only.

Technorati Tags: attourney, bachelors degree, bankruptcy, chapter 13, chunk, closing date, credit cards, dad, escrow, fannie mae, health issues, inheritance, mortgage industry, music teacher, parents, part time, personal credit, school teacher, student loans, time self

My wife and I are planning on filing bankruptcy. I went back to school about 6 years ago, racked up a ton of debt, and then just before graduating, I got did something very stupid and ended up in a 1 year legal struggle, followed by 2 months in jail, and 3.5 years in counseling/treatment/restitution/fines/court costs etc. The question I have though is this: I had 2 credit cards that were above and beyond their limit, and I told them a while ago to get bent, that I was filing, that was about 12 months or so ago, (it has taken that long to get enough money to file) I also have a rash of medical bills and other assorted odds and ends. But the 2 credit card companies have not sent me a bill in all this time. I don’t know if they went ahead, called it a bad debt and said screw it or what. But those were the 2 largest bills I had, and without those I may be able to dig myself out of the hole I am in. Is there a way I can find out if these are still outstanding?

Technorati Tags: 12 months, 6 years, assorted odds, bad debt, counseling, credit card companies, credit cards, enough money, filing bankruptcy, legal struggle, medical bills, odds and ends, rash, restitution

Over 10 years ago i filed for bankruptcy for over ,000.00 in Credit Card Debt is it possible to file another one for almost the same amount this time is credit cards doctor bills and a car lease? Single mom collecting unemployment and very concern on my credit for future employers.

Technorati Tags: 10 years, bankruptcy, car lease, collecting unemployment, credit card debt, credit cards, doctor bills, single mom

whats the best way to rebuild your credit score after having just settled 5 collection agency debts by settling for less than the amount owed? (credit cards)

Technorati Tags: credit cards, credit score, debts

First I would like to say my first wife was a gold digger!!! I married her back in 1997 & even though I make great money now & made great money in 1997! After my divorce from her in 2005 I continued to make all the payments towards our home,cars,credit cards,4-wheelers,etc….. Since then I got remarried & things are great with this marriage "Thank God!" but last year I finally had to file chapter 7 bankruptcy due to the fact the mortgage my first wife left me with was ,700.00 per month After almost five years of trying so hard to make the payment it all caught up with me last year. Even though I was up to date on my mortgage I finally had to call the bank & tell them I couldn’t make the ,700.00 payment no more & asked the bank if they could just give me a 4.5 interest rate & if they couldn’t I wouldn’t have to file bankruptcy ! After a week went by my bank called me back & said no sir we can’t sorry ! Stunned that my bank had rather me file bankruptcy as to give me a lower interest rate because of a credit score I was floored !!! What the bank was basically telling me was if I couldn’t continue to pay them 8 percent in interest I could go fly a kite !!! So what do I do now ??? What bank would loan me money ? The judge has already granted my bankruptcy!
It’s only been two months since my bankruptcy was granted !!! I want my home back or one like it !!! My home was nice & I can’t live in a shit hole over a credit score system !!! Its all BS if you ask me !!! My income is around 52,000.00 per year & still is ! I need a bank that will work with me on a new home loan & not give me a high interest rate due to a freaking credit score !!! THE CREDIT SCORE SYSTEM IS WHAT GOT ME IN THIS MESS IN THE FIRST PLACE !!! The system is way the hell to picky !!!! If a bank checks your credit it hurts your score lol & if your not even but a few days late on a payment "not months" it hurts your credit score, it just goes on & on… it’s stupid!!!
But anyway I’m a great person & I was good to always pay my mortgage but my banks greed over a credit score system got my bank & myself no where !!! What do I do now ? How can I get a good home without another bank stiffing me? Any help would be appreciated !!!! Thanks

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I am about to be late on my credit card payment and was considering debt consolidation or maybe debt settlement. Right now I owe about ,000 and have to pay around 0 a month to credit cards at 21%apr.

Should I just stop paying and go into debt consolidation/debt settlement?

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I am a college student. Directly after high school I had a run in with some credit cards. I went through a rough time, in and out of hospitals, taking classes and dropping them and dealing with family illnesses and a miscarriage… I was working two jobs and paying my bills, until I could not longer pay them. I want to file for bankruptcy but do not know how it will effect my student loans or financial aid.. Help! I need to find a banktruptcy attorney and/or financial advisor.

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