Long story short in order for my parents to obtain their home I co-signed. Then they obtained a modification for 50 thousand. Up until yesterday I didn’t know that my parents were told to stop paying for the second loan of 50 and now they owe that amount. The realtor suggested filing for bankruptcy. I was shocked I told him im 23 years old how the hell would filing for bankruptcy look on my credit. Mind you my credit looks awful due to my parents not being able to afford their home. However the realtor said that it wasn’t that bad that id be able to get my own home and obtain loans in 2 years. I was told that if my parents file bankruptcy and I don’t that the entire loan would fall on me and I would owe that entire amount. Im just soo pissed that my parents would allow this to fall on my shoulders. On one hand if I don’t include myself in the home modifications my parents will loose their home but if I do my credit and the ability for me to ever buy my own home is f—. Would bankruptcy really be the way out ?? please help any advice or input helps im in such a predicament that I feel any decision I make im screwed either way.

Technorati Tags: 23 years, filing for bankruptcy, hell, home modifications, loans, parents, predicament, realtor, shoulders

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

Technorati Tags: amp, bs, chapter 7 bankruptcy, credit cards, credit score, divorce, few days, first wife, fly, god, gold digger, hell, high interest rate, home cars, home loan, kite, marriage, money, mortgage, score system

I’ve heard of a large portion of lottery winners go bankrupt within a couple of years. I had a co-worker that won the California Lottery on July of 1997. he quit and was never heard from again. I now found out that he played the horses, went to the card casinos blew through 4M (he took the lump sum) and was broke within 5 years working a minimum wage job. I found this out a few months ago. How the hell can this happen?

If I’d win the lottery, I’d invest the money and would not buy stupid stuff. A house, hell yeah! investing the money, hell yeah too! I’d pay a company to invest the money to insure myself NOT to be like my former co-worker.

But seriously, why does this tend to happen?

Technorati Tags: california lottery, casinos, co worker, hell, horses, large portion, lottery winners, lump sum, minimum wage job, money, stupid stuff

I’m sorry if this is long

I’m a 17 year old male
My mother and father agreed to let me move with my aunt and uncle BUT then I found out my aunt and uncle had money issues and can’t afford to keep their house due to the house they live in is owned by a bank which got bankrupt so now they’re struggling to live there and it happened before but I don’t know how they still lived there. I understand this entirely. I’m selfish but what would you do if your expectations didn’t reach up to it’s limit?

My aunt even said herself
"Yes, you’re moving with us in a month (I was suppose to leave 4 weeks later but now I’m not ;/)"
Even if they had money issues before why the hell would they bother to promise me and as well as agreeing to let me live with them? Thanks aunt. I appreciate it your promise blowing up right infront of my face. Why don’t people think? Now I’m crushed completely.

1: Considering the fact that I was suppose to move I had to QUIT FOOTBALL. This is BS. Now since I quit football there is NO WAY, NO WAY I’m going back there to show my face and there’s no positions left open aside from being back ups AND I missed too many drills. It’s too late now…forget it. I am not embarassing myself and going up there.

Due to my parents and my aunt and uncle bs’in me completely and making me lose football (due to their bs expectations telling me how i was going to move with ‘em and to quit football and pack my things) I now have nothing left. I had to tell my friends I was moving. What now? It’s going to be embarassing going infront of ‘em telling em all plans are cancelled.

I’m too pissed off to go outside or do anything anymore. Since the news I slammed the door and haven’t came out the last 5 days. I’m sorry but when you promise me something and it’s THAT close and then it drops like a rock shattering infront of me it hurts….it really really hurts. I refuse to go back to that school for my senior yr. Why do you think I was going to move? Because I HATE everyone in that school and the teachers and they all hate me. I’m paranoid but whatever. No one likes me in that school. Everyone thinks I’m one of the biggest geeks there (and I’m fairly good looking to not be self centered. Girls in the state my cousin lives (who i was SUPPOSE to move in with em) all call me hot…..and cute and TALK TO ME. Something girls don’t do at my school or in my state…..

I want to start off fresh too. It’s too late. I’m tired of getting bullied and teased at that school. I was going to blow up and erupt like a volcano last yr in my junior year but luckily SOMEHOW I didn’t. I’m not going to any school district in my state. I refuse..due to the fact that every school in this district is TERRIBLE and the school I go to is considered "one of the best" in the district and it’s awful. I wanted to move in with my aunt and uncle but it seems like it won’t happen

Why? …..just why? Why does life down me like this? This happens everytime with me. Stuff shatters infront of me unexpectedly. My ex gf who I truly still am in love to this broke up me, used me for her happiness, felt sorry for me later on, lead me on and played with my feelings. It’s amazing how nothing well can go for me. I look at the positives…I really do. Don’t get me wrong. But it seems every day the positivity gets smaller and smaller for the nonsense things that happen to me on a daily basis

…is there ANY chance that I can move in with my aunt and uncle? :/
School starts in a month and god knows I’m not going back to that school and told my parents about the suffering I had there but they don’t understand….so is there any chance i can move in with my aunt and uncle

Technorati Tags: hell, infront, money issues, mother and father, parents, ups

then How the hell can Obama raise 200+ millions?
Democrats just love to lie to get votes and it has been proved in 2006.

Technorati Tags: democrats, hell

The tennis tournament starts tomorrow, hopefully it will be memorable. However, something fishy is going on.

Remember the bankruptcy of the Lehman Brothers? It turns out that the BNP Paribas bank was one of Lehman’s biggest unsecured creditors, right before they went bankrupt!

How in the hell can they afford this tournament, since they lost lots of money when Lehman went down? If you were part of a large financial institute, what is the reasoning behind sponsoring a tennis tournament? (Not counting obvious PR-stunt)

Technorati Tags: bankruptcy, bnp paribas, bnp paribas bank, hell, lehman brothers, lots of money, pr stunt, something fishy, tennis tournament, unsecured creditors

i mean… its getting pretty bad.. and looks like its going to get a hell of a lot worse…

California just went into a state of national emergency for becoming as close to bankrupt as a state can..

DONT BELIEVE ME HERES A DOSE OF SOME HARSH COLD REALITY

: http://www.reuters.com/article/idUSN2822…

Technorati Tags: cold reality, hell, national emergency, reuters

ALL said bankruptcy was not an option? or that they were too big to fail? and said no more money, til they proved viable, and gives chrysler 8 billion more last week? they knew they were gonna go bankrupt months ago. this whole thing is a tub of sh!tt, and we are gonna be out 12 billion. does it prove none of them know what the hell are they doing? is it what the free market would have done, i.e. let it fail, and restructure thru another company, and be back up and running? isn’t that kinda what’s happening now?

Technorati Tags: bankruptcy, chrysler, hell, money, tt

I filed Ctp 13 bnkuptcy 6 six years ago. When I didn’t hear from my attorney after the 5 years were up, I contacted him. He told me there was a mix up with a car loan and advised that I convert to Cpt 7. I did – it was discharged and now I am getting letters of collection from credit cards that were filed on that cpt 7. Aslo found out my house was never reafirrmed on. What the hell is going on? He sure didn’t hesitate to take my money to get these done. He is retired and now has some other lawyers taking over cases. What are my LEGAL recourses? For 5 years my check was garnished for 375.00 every 2 weeks to pay that cpt 13. I get calls 10 times a day, give them the lawyers phone number and the next day they call back 10 x a day. I am out of work right now, living on unemployment and at my wits end. Someone with some knowledge, please advise me what to do. Thank you.

Technorati Tags: aslo, car loan, credit cards, hell, lawyers, legal recourses, money, phone number, six years, unemployment, wits end

Does anyone have any advice on coping?

I know that my family is SO not alone in having a small business that looks like it will close but that still doesn’t help how I’m feeling.

I don’t want to go bankrupt. That would screw over a lot of people and taxes still fall on the individual corporate shareholders so even if we go under, we’ll just get absolutely raped by the city, state, county, and fed.

Everything keeps going up and down. One day we are told that we’ll get dispatches for work then the next it is no news… The strike back in July really fu*ked us, we weren’t part of the union but everyone else on the job site but us was on strike so that meant no work for us either.

This b*tch that runs our newest customer has no idea what the hell she is doing and apparently doesn’t realize that everyone on a job site TALKS TO EACH OTHER so we know that yesterday, today, and tomorrow this one job needs 6 trucks but she is only dispatching 3 trucks to the site, her own trucks, and screwing the people on site AND us because they won’t get everything done on schedule and we don’t get a dispatch. We got this customer through another one that LLOOVVEESS us. Every crew specifically request us because we know what the hell we are doing but they are out of funds until the start of the next fiscal year so they CAN’T give us work. They were our reference with this new company so it isn’t as if they aren’t using us because we do sh*t work.

For the life of us we can’t figure out why this chick is screwing her own customers by only giving them 3 trucks when they NEED 6!

I did the billing for October yesterday and the grand total income for the month of October was about ,000.00. We have highly variable months but our "worst" month in the last two years, before October, was ,000.00 and at best ,000.00.

I have no idea how we will stay in business at all 2 months from now when we need to start thinking of plates and renewed insurance when we have ,000.00. I’m not even sure how we’ll pay for my father’s meds and rent come the ,000.00 month.

I’m just so worried and depressed. I can’t sleep, I wake up with panic attacks and I’m down to half of an alprazolam (xanax) and I can’t afford to go back to the doctor for a refill.

I’m just so not sure what to do or how to cope.

Technorati Tags: chick, corporate shareholders, dispatches, fiscal year, hell, insurance, job, small business, tch, today and tomorrow, trucks, yesterday today and tomorrow

I had a bad marriage and had to file chapter 7 bankruptcy well I want to move to Clear lake because I think it is a very nice area is it possible to get an apartment out there with a bankruptcy on my credit? By the way STAY THE HELL AWAY FROM THE BEAUMONT PORT ARTHUR VIDOR AREA! PEOPLE OUT THERE ARE WORTHLESS TRASH!

Technorati Tags: apartment, beaumont, chapter 7 bankruptcy, clear lake, hell, marriage, port arthur, vidor, worthless trash

A few months ago I took out a ,000 loan for my Father. I declined the first four times he asked. He kept on asking & it got to a point where I felt I was forced to apply & sign the documents because it was someone I had to do for him. He has poor credit & had already maxed my mother and sister out -s o I was next. It was hugely ignorant & immature of me to do so but he insisted it was for business & to "move the family ahead". I also had pressure from my mother and sister as my Dad is very convincing when he wants people to "move the family forward".

Anyway, long story short is that since then his drinking (he has a problem) has spiraled out of control over the past few months & he blew all the money whilst also making our live hell. Finally the entire family has seen the light & he will be moving out by next weekend & we will be getting on with our lives.

My mother is in 150K debt & she has no choice but to go bankrupt (see has been the one earning money over the years but unfortunately she hasn’t seen a cent & she has been forced to sign loan and credit card applications under duress). My sister is a teacher & is well paid so she’s fine. However I’m a full time student & only work 2 days a week & I can’t afford it. It was a huge gamble I took on my Dad’s character in hoping/expecting he’d do the right thing by us & it looks like it’s going to cost me more than I could afford.

Is there anything I could do so he’s accountable for the loan? (I live in Australia BTW) His credit rating is shocking so I can’t transfer it across. Legally is there anything I can do regarding signing under duress? He actually submitted the applications & made most of the phone calls himself pretending to be me (he’s my Father so he knows all my private details). It’s just without his support now the family will be very tight financially & I also have a younger brother who is still in school that needs looking after.

I’m not looking for anyone telling me how naive I was because I’m already well aware of this. However all other replies would be MASSIVELY appreciated!

Technorati Tags: australia, brother, credit card applications, credit rating, dad, do the right thing, earning money, full time, hell, light amp, mother and sister, poor credit, private details, signing under duress, time student

My partner has been on an IVA for 2 years but cannot keep up with the payments anymore so has no option but to go bankrupt really. We are not married but live together, all of our furniture, car and possesions were purchased in my name. I no longer work, I am a stay at home mum so technically have no income. We rent a house which is in a joint tenancy. How would I be affected and if we wanted to rent again would we be accepted? Im just wondering if they will still take his income into account because I dont work. He plans to have his wages and everything paid into my bank account. Is there anything I should be aware of?
He ran up his debt before we met, years ago. Everything we own has been paid for in full by me. And the reason I included the bit about the bank is for when we go to get a tenancy, I dont work but will his income in my account count?
and why the hell would he go bankrupt if I was the one in debt!? Im not completely stupid, thanks.

Technorati Tags: furniture, hell, iva, joint tenancy, stay at home, stupid thanks, wages

No denying based on pre-existing conditions.

No caps on insurance pay outs.

People are going to be abusing the hell out of this, just like how they abuse every other entitlement program, except now it’s going to be on a massive scale.

And what’s going to happen once the insurance companies are run out of town?

Hellooooooo Socialized Medicine!

Technorati Tags: caps, entitlement program, hell, insurance, insurance companies, massive scale, medicine, pre existing conditions

I know that the trustee has to sell whatever assets you have, to partially pay back the creditors, but what ARE those assets? Like Furniture? Dishes?

Please dont tell me how bankruptcy can ruin credit, etc. I know it already, and after all of this hell with the credit card companies and the mortgage company, who the hell in their right mind would want to deal with credit ever again? Just, if you have the answer, then great, please answer. If not, then keep your opinion to yourself and move on. Thanks.
I dont even have the money to buy food or toilet paper, let alone a boat. If they are only looking at major purchases, then they are going to be in for a shock.

Technorati Tags: assets, bankruptcy, credit card companies, creditors, dishes, furniture, hell, money, mortgage company, shock, toilet paper, trustee