In the most tactful way. I am 21, My parents recently got divorced and my father was the one that filed. He cheated on my mom over the internet for 2 years prior and finally filed. All my life growing up he was condescending, insulting and patronizing to my mom. He also was unemployed and refused to get a job for almost 10 years, thus forcing us in to foreclosure and making my mom go bankrupt twice. I know he has mental health issues and my mom began to pity him so she stayed but i dont believe thats a good enough reason. Granted, he never layed a hand on any of us(i have younger brothers) but he used to scream, insult my my mom and when he was in a bad mood it would wreck havoc on the entire household.Even neighbors and friends of ours from CHURCH were suggesting and offering to help my mom finacially get a divorce. To me that speaks volumes if christians whom are taught not to divorce are even suggesting. He now has a new gf that he is verbally abusive too imo and i also think he cheats on. I dont want to hurt my mom but i cant help how i feel. Please give me suggestions this is taking so much out of me I cannot concentrate on my studies.
ill add there was a summer about 8or 9 years ago she did really attempt to leave with the assistance of a friend/ neighbor, but my dad said he wanted to go to counseling instead
wow very good insightful answers
i feel guilty for my choice of words, i dont resent as many of you said she tryed to keep her marriage vows and what was best for us kids

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i have cut down expenses in the household and still cannot pay these credit card bills. My credit scores are already low and about 3 of 6 credit cards are delinquent. should i ask a debt relief agency to help me settle these debts? I understand this will have a negative impact on my credit scores but i am still young and i have time to repair it. My main concern now is to pay off my debts asap.

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I was recently personally served with legal papers, Petition for Confirmation of Arbitration Award with a hearing date of August 8, 2007. This was from MBNA credit card, asking for ,800. I owe them about ,200. I would like to settle with them before judgment gets confirmed with the courthouse to avoid wage garnishments and liens. I am the major breadwinner of the household and would like to know if it is best to settle with them before the court date or to have judgment confirmed and then settle with them at that time. I wish to keep my financial issues private and not be known by my employer (I work in the legal field). A year and half ago, I signed up with a debt management company to assist me in consolidating and settling all of my outstanding debt. When I discussed the matter with them, they said that I should file an Answer, but the document is not a complaint, but a petition. What proper reply or opposition should I file while discussing settlement with MBNA? Thank u

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My court hearing for meeting the creditors/trustee is on July 10th for Chapter 7 bankruptcy in Florida. I was wonder since my household only have 1 car. I really need to have a extra car for me to use for work instead of using my spouse car. I’m planning to pay cash for a cheap used car but I need to know will it be a problem once after I do my court hearing?
Well I guess I have to wait for the letter of discharge right?? How long does that usually take?

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Currently I have about ,500 worth of debt that include credit cards, a personal loan, and doctor bills. I recently became unemployed and I haven’t been able to make payments on any of my debts.

I’m fairly young and of course my interest rates are high, ranging from 16%-24%. I use to not only pay my bills on time, I paid them all early. I like paying my bills. I don’t want to file bankruptcy but in this situation I don’t know what to do. I expect to starting working within 4 weeks.

If I try to start making payments, it will take several months to get caught up. I live with my family and I’m basically head of the household. I take care of my family of 5, and that’s why I’m in debt.

I don’t want to go to one of those companies that you make a monthly payment to and they make payments to your creditors. I could do that myself, and I would still be in the same situation.

Is filing for bankruptcy the right thing to do? Will I be able to, considering the new laws?

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