I’m a 23 year old single female at a loss…Here is a rundown of my debt. A ,000 FHA loan that got foreclosed on, ,000 second mortgage, i’m guessing about 25k in credit card debt and another 30k at least in hospital bills. And here’s a kicker. One of the credit card companies is suing me.

The house is already foreclosed on and i don’t have a car so i don’t need to do the one where they save your house and car.

I’ve heard that a bankruptcy on you credit follows you for the rest of your life, but a foreclosure will fall off in a certain number of years. I want to eventually be able to buy a house again and have credit!

Technorati Tags: 25k, 30k, bankruptcy, credit card companies, credit card debt, fha loan, foreclosure, hospital bills, kicker, rest of your life, rundown, second mortgage

my mom keeps paying a month to my hospital bills from a couple years ago from a motorcycle accident.She thinks its helping me in some way…. I told her not to because its already on my credit as bad debt and they are probably less likely to settle for a smaller amount if they think they are going to eventually get all of their money. Its the only bad thing on my credit and its hurting my score horribly. what should I do??

Technorati Tags: bad debt, hospital bills, mom, money, motorcycle accident, score

For instance, Old cell-phone bills, hospital bills and what-not?
yeah but don’t i need money to see what I do owe,like to look at my credit. Would I have to do a credit check or is there some other way to find that out?

Technorati Tags: cell phone bills, credit check, hospital bills, money

I currently owe 00 in hospital bills. But have no way to pay them off. No one in my family has much to give, even if they were willing to help out.
I am currently 24 years old, with just a part time job, making very little money. I was thinking of moving back to the philippines where tuition for school woud be cheaper, and i can get a degree in nursing.
I’m trying to think of what the best thing for me to do is.
What are the disadvantages of filing for bankruptcy?
Please help anyone. I really need it.
i appreciate the responses so far, guys.
for those that asked, trust me i am looking real hard to find a job that pays more money, and i am willing to work hard no matter what kind of job it is.
I need to do more research on bankruptcy, how much would it cost me to file, for 00 medical bill?

I really want to buy a house in the future, hopefully before age 32, but how hard would that be if i’m in bankruptcy?
Thanks a lot for the responses! it really feels i’m getting helped out already.
First i will, take account every response given to me.
Still living with my parents, helping them pay the financing on the mortgage alone (not the principal), with a part time job so far, is the situation i’m in.
Again i really appreciate the responses.

Technorati Tags: 24 years, filing for bankruptcy, hospital bills, matter what kind, medical bill, money, mortgage, parents, part time job, philippines

Im 25 years old with one child and just graduated from college but I have acquired over 40,000 dollars worth of debt. Most of it came from hospital bills and student loans so Im asking should I file bankruptcy?

Technorati Tags: hospital bills, should i file bankruptcy, student loans

I have at least ,000 in hospital bills, i owe 2 banks total about ,000, 2 apartment leases ,000, IRS 3,500, Credit Card 0, a car REPO about ,500 and i am only 24 years old. What should i do? I’m a full-time college student and work full-time and i can’t get a second job. PLEASE HELP!!!!

I was thinking about paying one of those credit companies 200.00 to clean up my credit or should i just file bankruptcy?

Technorati Tags: 24 years, apartment leases, bankruptcy, banks, car repo, credit card, full time, hospital bills, irs, second job, time college student

So I opened a credit card as a freshman in college (2008) and ended up losing my job and never paid off the debt. Collection agencies have been blowing up my phone and sending letters trying to collect the almost 00 that I owe. I am presently unemployed due to health issues and have no way to pay off all the debt now. They are offering me the option of settleing the debt but i dont want it to ruin my credit score. what should i do?

I have no other credit cards in my name, only the hospital bills i have been paying on from three surgeries and the hospital stays and what not. will paying these bills on time and in full help my credit score?

Technorati Tags: credit card, credit cards, credit score, debt collection agencies, freshman, health issues, hospital bills, job, surgeries

my wife an i are going in to see a bankruptcy lawyer next thursday. we have two cars 10 years old and are still paying on one we got last year. the other is paided off. we owe about 60,000 on credit cards and hospital bills and school loans. she was caught in a down sizing and i was put on ssi because of medical problems. we do have a mortage on our house. what can we expect to lose if we file for bankruptcy. how much will they take inside the house and if they will take one or both of our cars and even the house. this is very scary cause its was all good until i started having too many surgery and she lost her 16+ an hr job and now has to take a 10 hr. myself was put on SSI for good.

Technorati Tags: 10 years, bankruptcy lawyer, credit cards, hospital bills, hr job, medical problems, mortage, school loans, ssi, two cars

I recently had a bad accident that resulted in a head injury, broken neck, and a whole lot of medical bills/hospital bills building up. I am 18, pretty much immobile (can’t even take a shower all by myself) I can only do car trips if it’s for medical appointments, so I don’t have a job I don’t see me physically being able to do that any time soon so I can pay my med bills. They want to do a very expensive head/neck surgery on me soon and I can’t afford it/co pay/ hopsital bills etc. I am not going to be insured in another month, and my parents cannot loan me money to pay my bills. So should I file for medical bankruptcy, welfare, anything at 18? I don’t know how this works but I need to find a way to take care of these bills. Sincere advice please. Thank u for your time, God bless.
not auto. Completely my fault I fell from a few stories and landed on my head resulting in my skull crushing C1/c2 and some nerve damage.

Technorati Tags: bankruptcy, c2, car trips, head injury, hospital bills, job, medical appointments, medical bills, money to pay my bills, neck surgery, nerve damage, parents, skull, time god, welfare, whole lot

So, I’m in a ton of debt and I can’t keep up with it.

I’m thinking about filing bankrupt.

How does this work?

Do I have to have a lawyer?

How much does it cost (with and without a lawyer)?

Do I have to know all of my debts or can they pull it up for me?

I’m 26 years old…..so I figure if I’m never going to be able to pay off all of my debt, I might as well claim it now so hopefully someday I can start over with a somewhat clean slate.

Also, what all can you claim? I have…hospital bills that have been sent to collection agencies, fees at places like..movie rental, furniture rental, etc, old utility bills, etc etc etc.

Will this hurt my chance of getting financial aid when I go back to college next year?

Technorati Tags: clean slate, collection agencies, debts, financial aid, furniture rental, hospital bills, lawyer, rental furniture, utility bills

I’ve had about 6 accounts go into collections. They are all hospital bills. I thought at the time my insurance covered the majority of those visits seeing how I had coverage but I guess they didnt. My credit has been severely ruined b/c of these accounts dispute the fact I have a mortgage, auto loans & credit cards all in good standing. I want to settle the collections accounts but I’m curious on the repercutions of settling. The oldest account is from 2002 & the newest one being in 04/2006. They are relatively small totaling only about 00. What recommendations do you guys have? I really dont feel I should pay something my health insurance should have paid. But I want to fix this since I’ve ignored it for so long. I’m clueless when it comes to this stuff! Please Help!!

Technorati Tags: amp, auto loans, collections, credit cards, health insurance, hospital bills, insurance, mortgage

Ok, I will take the blame for my credit problems. But over the past year I’ve been hospitalized several times and the combination of both credit card bills and hospital bills have accumulated quite a bit of debt. I work a job which is straight commission and because of the bad economy on top of the fact that I recently took a leave of absence from work and am collecting temporary disability I currently have about 50 dollars to my name.
I’m in a serious relationship now and want to straighten thisw mess up but I don’t have any money for a lawyer.
My question is should I file for bankruptcy? How do I file? Should I get a lawyer if I don’t have any money or should i represent myself?

Technorati Tags: absence from work, credit card bills, disability, economy, hospital bills, job, lawyer, leave of absence, money, serious relationship, several times, should i file for bankruptcy, straight commission

I make about k a year
oops I have grand in debt lol
also most of it is NOT credit card debt but hospital bills and LOTS of tiny things

Technorati Tags: credit card debt, hospital bills, tiny things

All my negative credit is from hospital bills. My car and the only credit card that I have ever had are all in perfect credit.
So is it worth it to file a chapter 7 bankruptcy? The hospital bills total over 0,000.

Technorati Tags: chapter 7 bankruptcy, credit card, hospital bills

I make about k a year
mostly hospital bills and lots of small things, phone bills stuff like that. This debt is from years ago and my credit has always been so bad that I havent been able to get credit cards. I feel like I have always been bankrupt.

Technorati Tags: credit cards, hospital bills, phone bills

You have signed an autoloan of ,500
It was actually for a car that was at a big time scam car rental place , so the car appraised for less than ,000
and no dealer would take it as a trade in.
If the auto finance place wants to do a writ of execution, can they do this after bankruptcy, and what exactly is involved in doing a bankruptcy yourself ?

Do you just file lawsuits for each debtor and see if they show up or what is the procedure?

The fact that the car did not run the whole time the person had it, and the person put so much $ into it to try to get it running in addition to the monthly payments for the car along with hospital bills has lead someone to want to declare bankruptcy,
*CORRECTION- NOT "CAR RENTAL" place, but "CAR DEALERSHIP" excuse me
If our car was repossessed can this stay on your credit after bakruptcy

Technorati Tags: auto finance, autoloan, bankruptcy, big time, car dealership, debtor, hospital bills, lawsuits, whole time, writ of execution

I recently had an unwilling job change with my company and took a ,000 a year pay cut. I can’t even afford to eat. I have three credit cards, a computer that’s financed and about 00 in hospital bills. My car payment is 0 a month. Yah, I know but I could afford it a year and a half ago. Should I file bankruptcy or try to take out a personal loan to pay everything off and get caught up. My car is about to get repossessed unless I voluntarily surreder it. Who knows best?

Technorati Tags: car payment, credit cards, hospital bills, job, personal loan, should i file bankruptcy