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.

Technorati Tags: bankruptcy, credit cards, financial aid, hospitals, illnesses, jobs, rough time, student loans

I heard there’s ways to pay off debt for like 10% – 20% of what you owe. I’m just wondering how this works and how I can do it. I need to get out of debt fast as I need to rent an apartment. I would also like to get a new car, but I am ,000 seriously past due.

Please help me. This is getting so out of hand. Everytime I turn around I have another bill. I know I need to stop spending. I plan on buying that Rich Dad, Poor Dad book soon, but I just want to get out of debt.

I will be working an awesome job this summer and it would be a shame if that money went to waste on something. Which is why I’m looking for advice now before it gets to be too late.

I am looking at about grand to credit card companies, grand to hospitals and grand to banks and old phone bills.

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I am going to try to resolve some bad marks on my credit by paying off some older debt. I don’t have bad credit card debt or anything of the sort. Just some old bills that went to collections from hospitals, cell phones, utilities, etc. Many of these have been from years ago (some 5+ years).

Now that I am making a decent living, I am finding it hard to obtain lines of credit, and know what my score is. I ordered my 3 free credit reports yesterday, and will be expecting them in the mail shortly. I want to try to tackle these ‘old’ debts to get them off my report, and hopefully improve what’s written on my report.

I read that the first step in doing this, is to write a letter to each company listed on the report, stating that you want to rectify the situation, and to work out a payment plan. What types of things should I ask? Should I propose options? If they respond with a payment plan or settlement amount, do I accept it or negotiate? If I correct these, will they come off

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then what’s the problem with starting up a gov’t funded alternative?

1.) People argue of dooms day scenarios regarding waiting lists to get teeth pulled, but never take into account all of the people who wait until the last minute to get medical treatment b/c they have no health insurance. THESE PEOPLE WHO WAIT ARE DRIVING UP THE COSTS of healthcare b/c by seeking no preventative care, they increase the amount of expensive surgeries and extended stays at hospitals. As it stands, Americans are already paying for that now.

2.) The people that state that the US can’t afford gov’t funded healthcare due to sky high taxes overlook the fact that healthcare costs are the leading cause of bankruptcy today among people that HAVE HEALTH INSURANCE.

3.) The people that state that if the gov’t provides healthcare, it will eventually have within it’s ability control to manage every aspect of our lives have obviously never heard of the military, CIA, FBI, NSA, Homeland Security, Federal Reserve, Treasury and Coast Guard, which at any point can control every aspect of our lives today.

What’s wrong with a gov’t funded alternative?

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