True, America has given the world more in terms of scientific advancements, military protection, etc., but what about day-to-day life? They don’t have job lock because their insurance isn’t tied to employment, they have freedom of speech, assembly and religion…and, yes, you can own a firearm in Australia —-look it up instead of listening to propaganda! They have a high per-capita income also and a reasonable tax rate, no one goes bankrupt over medical problems….so why do so many Americans say that their country is the greatest on Earth when Australia appears to be a pretty great place as well? Some could argue that it’s actually greater.
So, Australia is not the centre of the English-speaking world and they don’t have the bread basket that America has, what good are those two things if you’re not doing well in America? So what if Australia isn’t the centre and doesn’t have a fertile interior….we’re talking about day-to-day life of an Aussie versus a Yank, and from what I am reading, it sounds like the average Aussie has it better these days. Flame away with ignorant comments about the "poverty, fascism, illiteracy, violence and socialism" of this foreign land and how much they suffer and all want to immigrate to America. Australia’s great.

Technorati Tags: aussie, australia, bread basket, earth, fascism, freedom of speech, illiteracy, insurance, job, medical problems, military protection, per capita income, poverty, propaganda, religion, scientific advancements, socialism, tax rate, violence, yank

My husband verbally abuses me in front of our child, he is ADHD and does not understand why his emotions take over. He has broken so many things in our home out of anger, he can’t keep a job due to his ADHD and he’s bankrupting us as he does not understand how to stop spending – he has never hit and I know he will not hit. We are both in therapy but I just can’t see how I can continue with his emotional abuse. His family refuses to be supportive as they too don’t like his anger. He has a very wonderful heart for our child and friends and when his emotions have not taken over he really is a great guy. ADHD adults tend to never leave there adolesences, so its like living with two children all the time. I know if I leave he will cry and hound me to not leave him but I know its best for my daughter and I. The only thing holding me back is that he will have no one to go to, I’m his best friend. I feel like his big sister. I pray for guidance but still don’t know how to do this…… my sign is Cancer and that equals – sensitive and always there for everyone – its so hard to let ask him to leave our home.
Any thoughts….
E. / Kentucky
Thank you to everyone who has replied so far. I’m glad I wrote to hear some outside advise. To those who mentioned my daughter is the one to think about – you are so right "she is the most important" and she will be the push that helps me to do end this. I don’t want her to live this way. I have great family support even when I asked him to leave 3 yrs ago. Thanks again!!

Technorati Tags: adhd, adults, anger, best friend, big sister, cancer, emotional abuse, emotions, guidance, heart, job, many things

I’m 23 bills include BofA credit card which they are taking me to court for..Personal Loans…Medical etc..
Some people say its to little other people say start clean what do you think?
BTW because the debt is so little I was gonna have a paralegal/typist do all the forms for me at 5 im worried when I get a job they are gonna garnish my wages

Technorati Tags: bofa, credit card, job, paralegal, personal loans, wages

I work 50+ hours a week and go to school full time. I just recently signed up for 6 classes over the summer and feel I may not have the time to balance both. I did it last semester and found myself stressed more then I have ever been. I work out as well to keep stress levels down but feel my social life is at an all time low. I have stacks of bills to pay every month and without the job I could go bankrupt. I have alot of dreams and aspirations! What should I do!? If I Drop some classes it could take me years to get a BA if I dont work then how will I pay for college/rent/bills! Help!

Technorati Tags: aspirations, ba, dreams, full time, job, stacks, stress levels

Hello,

I have had a credit card for nearly three years, and have always paid the balance in full every month. However, a few months ago, I got sick and lost my job, etc. and to make a long story short, I lived off of my credit card and can’t afford to pay the balance off in full. My question is, is it possible to keep my line of credit open and somehow settle the debt for less than the balance (i.e., pay 0 to wipe out the 00 debt)? I want to take my balance down to zero, but there’s just no way I can afford to do that right now, but I need to use my card until next semester starts.

Technorati Tags: credit card, job, line of credit

My husband has a ,000 hospital bill and in the state of California, the spouse is also responsible to foot the bill. So now, we have a court ordered judgment against us. Since our house is now in foreclosure I was planning on filing bankruptcy anyways. Will filing bankruptcy stop this court ordered judgment? If not, can they garnish my wages? -note, My husband lost his job and I am the sole provider for a family of 4

Technorati Tags: filing bankruptcy, foreclosure, job, judgment against, sole provider, state of california, wages

This debt is for a credit card that I have had for 22 years. Prior to now I have always paid off my balance each month in full.

Last September I was in a terrible car accident, I was in the hospital for over one month, and have since had 4 reconstruction surgeries on my legs. I lost my job, and my husband barely makes enough to pay our mortgage and keep the utilities paid each month. We had to use the card to pay for some of my doctor visits, medicine, groceries, etc now the card had about 00.00 on it. My doctor says that I will probably never be able to work again due to the extent of my injuries, and I should file for SSR. We have been unable to make any payments on this card.

Yesterday I received a notice from the CC company wanting to settle the debt. Has anyone ever settled a debt? How should I proceed? Will the CC company want a lump sum, or will they take a minimum payment each month. Honestly I do not want our credit ruined, as we had perfect credit, but I would only be able to make a very small monthly payment, does anyone know if they will accept the payment?

Technorati Tags: 22 years, car accident, cc company, credit card, doctor visits, extent, groceries, job, last september, legs, lump sum, medicine, minimum payment, mortgage, reconstruction surgeries

They will not hire me because they do not care what circumstances lead to bankruptcy. And each company who runs my credit history, this puts an "entry" on my credit, which makes my credit score go down even further. I cannot go without a job for another 2 or 3 years. Help!

Technorati Tags: 3 years, bankruptcy, circumstances, credit history, credit score, job

I kept dropping in and out of school for years. Now i’ve taken a job as a painter’s assistant that i love. But i no i will not be able to pay anything on my loans because i barely make minimum wage. I don’t care about my credit because i already got bad credit.

Technorati Tags: bad credit, job, loans, minimum wage

I have a past repossession due to job loss for over 34k and they are charging me interest a day. I have 6 credit cards with chase, capital one, and a home depot card, these will not be included in the chapter 7 because I don’t own any on these cards. Thanks for you help.

Technorati Tags: capital one, chapter 7, chase capital, credit cards, home depot, job, repossession

I have a terminal disease and I have some debt that I am never going to be able to get a hold of. I am going to have to file bankruptcy. I am bed ridden right now. I need to get some advice on some questions I have. Can anyone help me?

I am married and our house is in my wife and my fathers name, not mine. All the debt, medical and Credit card are all in my name and nobody else. So I will file bankruptcy myself. I have no assets, no job, nothing like that. I actually have less than 10 debtors. I cannot afford an attorney because my wife works to care for me and our three boys and she makes 10.00 an hour. Has anyone used the on line bankruptcy paper filing services at all? Is this something that can be done? Is it hard? any advice would be appreciated. I really need some help. Thanks

Technorati Tags: assets, bankruptcy, credit card, debtors, fathers name, job, paper filing, terminal disease

We are going to be entering into Chapter 13 in a few months. My job however is pressing me to finish my degree. We do get some reimbursement, however its not enough to cover the complete cost. Anyone had this issue?

Technorati Tags: chapter 13, job

Like all the extra homes they have? All their other assets, boats, cars, vacation homes, stocks, bonds, IRAs, and any other source of income? Will they lose their pride? Be ashamed? Have no future?
Will be they be treated like the ordinary guy who lost his job, lost his home , and his credit? Will they be treated like the bums they are? Or will they get richer because of who they are, and who they know? Republican Thieves. They are supposed to be educated, why did they act like morons? They do not deserve to be bailed out. Thrown out is what they should get. Penniless!

Technorati Tags: assets, boats, bums, cars, iras, job, ordinary guy, pride, stocks bonds, thieves

i have no money. nobody to help me pay either. i’ve worn out all my financial resources. no job. how do i file for bankruptcy? can i do it myself? what kind of information do i need to gather in order to do so? help please! i have no choice now.

Technorati Tags: bankruptcy, financial resources, job, money

Lost my job last year and was unable to secure a job then. Had to file bankruptcy. Last month I got a job and I think I will be OK. My husband did not file and also has a job. Does anyone know whether this bankruptcy will bar me from international – country adoption? Please let me know.

Technorati Tags: bankruptcy, country adoption, job

I have ,000 of credit card debt that I can’t pay. I lost my job 8 months ago and couldn’t keep up with the payments. When is the best time to file for bankruptcy?

Technorati Tags: bankruptcy, best time, credit card debt, job

I am unemployed, 50 yrs. of age, no money in the bank, no savings, no retirement, no job. How can I save myself from this mess?

Technorati Tags: job, money in the bank, retirement

I have a lot of cc debt and medical bills so I started a 2nd job. But the anxiety is so overwhelming that I cry a lot and feel depressed 24/7. I just want 1 job but neither is truly enough hours or pay alone. I’m at a loss over what to do. Advice?

Technorati Tags: anxiety, job, medical bills

I have about ,000 of credit card debt and 00 left on my school loan. I only make about 00 per month. I can’t afford to make more than minimum payments so I am getting nowhere with paying it all off. I’ve been trying to get a better job but I don’t really qualify for anything that will pay better. I’ve been dealing with this for years and feel trapped. I’m considering bankruptcy but would prefer to find an alternative.

Technorati Tags: bankruptcy, credit card debt, job, minimum payments, school loan

I recently lost my job and i can`t keep paying not even minimum balances. I have around .000 in debt and minimum balances add to almost 0 a month + i have the car payment with insurance 0 a month. Please guide me to the best solution that i have without destroying my credit score. Thank you

Technorati Tags: best solution, car payment, credit score, insurance, job, minimum balances

I just got off the phone with a good friend of mine, he was repeatedly asking me the question "should i file bankruptcy"?

He and his wife owe about 0K in credit cards. The both of them originally held great well-paying jobs which they lost due to the economy and recent cost-cutting by their companies.

They were intending to repay the debt but as a result of their job loss, their current employment which is only paying a fraction of their original income is significantly not enough. They are being hounded frequently by creditors as well. I’m unsure what is the best option for him.

I am hoping i will be able to answer his question "should i file bankruptcy" in a assured manner to calm his nerves down. Is it the only option with regards to this issue of his? Any alternatives?

Technorati Tags: credit cards, creditors, economy, fraction, good friend, job, nerves, paying jobs, should i file bankruptcy

My mortgage companys lawyer sent me a letter stating I have to be in court on Thursday for this. I mean I lost my house because I lost my job and I am still jobless to this day. Will this ever go away or do I have to file bankruptcy. I mean my house is all I have to file, that is my only debt. Please give me some advice.

Technorati Tags: bankruptcy, job, lawyer, mortgage companys

I am 24 fresh out of college and i found myself in a huge amount of debt with credit cards ( 22K) to top it off i lost my job and i can not pay my credit cards. if i file for bankruptcy what are the consequences and what happenes next? do i still have to pay that amount ? how long is this going to haunt me for?

Technorati Tags: bankruptcy, consequences, credit cards, job

After you file chapter 7, are creditors still allow to harrass you by mail or calling on your job or contacting people that know you?
If no, should I contact my lawyer and sue them?

Technorati Tags: chapter 7, creditors, job, lawyer, mail

I am a 27 year old who has a great job, yet has found himself in trouble with STUPID payday loans. I have a finance degree and cannot believe i have found myself facing this taboo topic of bankruptcy. Though i make good money, i cannot pay off these loans nor my bills. i feel bankruptcy will enable me to afford the simple things…i.e groceries. i have a meeting next week, i feel its my only choice…yes, my debt is consolidated and thats not helping…and creditors still call my work

Technorati Tags: bankruptcy, creditors, finance degree, groceries, job, money, payday loans, taboo topic

About 3 years ago my life turned upside down, I had clinical depresion, lost my job and quit school. I did not care about the world, about six months ago I had major surgery and now I owe about ,000 in medical bills, I have a ,000 credit card judgment on my credit. I need a fresh start. How do I file bankruptcy? I don’t own anything, not home or car. What can I do? Please help me.

Technorati Tags: 3 years, bankruptcy, clinical depresion, credit card, fresh start, job, judgment, life turned upside down, major surgery, medical bills, six months

Well, I’m 23 years old and I’ve had a horrible streak of bad luck. I was laid-off some months back and once unemployment ran out still haven’t been able to get a job. I’ve been concentrating on paying my rent and utilities, and because of that my car was just repossessed. I have 2 credit cards that are just stacking up. All in all I have about 20,000 in debt, that because of essential bills such as rent I’m unable to pay off right now. Can I file bankruptcy? Should I?

Technorati Tags: 23 years, bad luck, bankruptcy, credit cards, job, unemployment

My daughter is getting money from her uncle after the holidays. I am a single mom, unemployed 5 times in the past few years. Went to school for Certified medical assistant & nurses aide & cant get a job. I need to know whats my best bet….go bankrupt? pay off the debts? Jobs & landlords check your credit reports now & I’d like to finally stop paying rent & buy my own small house to leave to my daughter, of course for me too~! I don’t want to waste her money. How long does it take for the score to go up on all 3 reports after debts are paid? Thanks so much

Technorati Tags: amp, best bet, certified medical assistant, credit reports, debts, getting money, holidays, job, jobs, landlords, nurses aide, score, single mom

No assets, no other debts. I figure i can settle one card (7K owed) for <4k, come tax time I should get the 20% back and settle the other one. (6K owed). Looking to start college in Jan, delivering pizzas for job, keeping my income low enough to maximize fin aid. Will this action get me to zero and a fresh start?

Technorati Tags: 6k, 7k, assets, debts, fin aid, fresh start, job, lt, pizzas, tax time

I need help in managing my debt! I have recently lost my job and my debt is accumulating! I need a debt settlement company who can help me in debt settlement and provide me with credit solutions that are do-able. If anyone can recommend a company with good debt settlement programs is also greatly welcomed!
Thank you

Technorati Tags: credit solutions, debt settlement programs, job, settlement company