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

Ok. So my significant other is over her head and doesn’t make enough to pay her debts. Her income is less than half the median income here. A sample means test shows she easily and completely qualifies.

My question is this. She is going to have a hard time coming up with the attorney fees associated with filing (around here it seems to be 800-1500 bucks). I am curious how hard is it to file by yourself or if there is an alternative like a Pro Bono attorney option or discounts for low income persons.
EDIT: Her debt amount is roughly 30k. That is with medical bills WITHOUT college loans. Her monthly income is about 1200 bucks. Her monthly bills are more than that. That does not include food or gas. I am not looking for a moral lecture. She is doing this. I am trying to help her through it. She has exhausted all other options.

Technorati Tags: 30k, attorney fees, college loans, debts, hard time, income persons, means test, median income, medical bills, pro bono attorney

90% of the time I am very depressed and don’t see the purpose of life and why we have to live it, never even attempted to take my life too terrified to do so. Then Ill have time where I am pretty happy things are going great I like to shop and spend money but not thousands or go bankrupt or anything. I usually get low and high for no reasons at all. I just wake up one morning and thats how it is. I have hard time making myself feel happy, I can’t think happy thoughts and feel better. I have trouble reading, concentrating, anxiety. then when i am happy i don’t worry about things at all. I don’t know if this is a hormonal thing or not. Its like one morning its all gloomy like a raining day then i can have one where i see the rainbow, sun shining, butterflies everywhere. Like i drank five cups of coffee. but didn’t. I love feeling hyper happy. I hate the low days. I can tell the difference in my work, when I am depressed I am less productive, I am irritable and can be very grumpy with people. When I am happy I want to do about 5 days worth of work done, and I could do it too. What is this?

Technorati Tags: anxiety, butterflies, coffee, happy things, happy thoughts, hard time, money, purpose of life, sun, trouble reading, worry

I am refiancing and have owed creditors for 2 years now. I want to settle with them but iam having a hard time with them cooperating with me to settle for a reasonable amount. I need some advice on how to deal with these people to get them to come down on the price

Technorati Tags: creditors, hard time

I am wondering how to protect my property from creditors. Husband died recently and left cc debt in my name. Now I am having a very hard time paying all of them. If I sell my house to a relative and finance it for them and then just pay them rent, will that keep the creditors from taking it? Some states do have a law that protects the creditors so they can take your assets if you cannot pay them.

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I have loans and I wanted to know does the bankruptcy eliminate a portion of the loans? How does Chapter 7 work? How long will this remain on my credit?

I want to pay off my debt, but I have had a hard time finding work that pays well.
I owe about 35,000 in debt and I only make 18,000. I have not been able to find a job that pays more and I have been searching for a year.

Technorati Tags: bankruptcy, chapter 7, hard time, job, loans

I have a hard time to get rid of both cars because of the value is lower than what I owe. Should I just give them back to the dealerships and walk away, or what else suggestion do you have?

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I see this declaration a lot — that Scott Boras is ruining baseball.

How do we know?

What metrics are used to quantify the effects of Boras’ acts of ruin?

What SPECIFICALLY is being ruined? Only I paid attention throughout the 2008 season, and all 30 teams played pretty much their full schedules, no one went bankrupt, the postseason played out (overlooking one sloppy, ad-hoc decision on what to do during a downpour) as it usually does. Fans were happy (happy enough to buy 78 million tickets, anyway), MLB raked in over billion again. There’s other good news. I’m having a hard time seeing the ruin that others proclaim is there, and occurring in real time.

Maybe it’s just that Boras hasn’t committed ENOUGH ruin yet. He reportedly ruined baseball with the Kevin Brown contract (1999), the Alex Rodriguez blockbuster (2001), the second ARod contract (2008), some others, and now trying to place Teixeira and Ramirez. That much ruin, it should be more evident, easy to find.

Can someone please highlight specific, active, ongoing, Boras-related ruin?

Finally, how will we know when Boras’ ruination is complete?
Getting stars, but no answers. That’s gotta be a first.

Technorati Tags: acts, alex rodriguez, arod, baseball, blockbuster, downpour, hard time, hasn, metrics, mlb, real time, ruin, ruination, scott boras, teixeira

I received a hardship discharge from Chapter 13 bankruptcy due to my husbands death. I am still having a hard time financially even though I work. How will it affect my Income Tax or will it affect it all?

Technorati Tags: chapter 13 bankruptcy, hard time, hardship discharge, income tax

I recently switched jobs making significantly less money. Now I am past due with bills and am getting some pretty rude calls from creditors. I want to pay them but am having a hard time. I have been seeing commercials about debt settlement and needed some help deciding who to go through. I have a little less than ,000 to pay off. Please site sources when you can and THANKS ahead of time!

Technorati Tags: commercials, creditors, Debt Settlement, hard time, jobs, money

i’m anticipating filing for bankruptcy and i cannot afford the 00 for a lawyer plus 9 for the court fees. Has any body ever filed pro se, if so how was the experience and do you recommend it? thanks. please no rude comments either, i’m going through a hard time as many americans do

Technorati Tags: court fees, filing for bankruptcy, hard time, lawyer, rude comments