My divorce was finalized in October and I’m currently not working and I’m attending college full-time. I lost my old job about a year and a half ago, and haven’t been able to find one since. I live in Michigan and the job market is awful here. I graduate in about a year and a half. I’m living with my boyfriend now and he provides for my needs.
I have about 00 in outstanding debts and another 00 in attorneys fees from my divorce.
Some of the debt is from my ex-husband who was ordered to pay his part and was given 90 days to settle with me. It’s been well over 90 days now, and I cannot locate him and his attorney hasn’t been able to find him either. My attorney said that in order to file a motion against his not paying, she needs to be paid what I already owe her.
I obviously cannot pay this without a job, and my boyfriend doesn’t make enough to pay my bills.
So, I was wondering, would I be better off just filing for bankruptcy or waiting to try to pay these things off after I graduate and hopefully obtain a good job?
If I do file bankruptcy, would the attorney’s fees that I owe from the divorce be able to be dismissed under the bankruptcy?
Any help would be appreciated!
Thank you!
I have a 2 year old son that I take care of full time during the day while my boyfriend works. My classes are at night so my boyfriend watches my son while I’m in school. A minimum wage job would not cover the cost of daycare in our area. Believe me, I’ve looked into every reputable place there is. an hr at a burger joint, even working a full 40 hr week … take home would be around 0 per wk. Daycare runs about 0 per wk. Being away from my son all day long is not worth making per wk.

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Where to begin…you know I accept the fact that life is unfair but WTF did I do to deserve to be in the situation I’m in now. Well my life sucks and I have no clue how to make it any better. This story starts about 6 years when I gave up on feeling anything and realized I am depressed but I did not let it get to me because I have a vanity that burns greater than anything, it consider it my most prized possession that no one can take away. So I even accept the fact that I’m depressed but I move on and put a mask on that I’m just great and nothing wrong. Anyway my rich grandmother died and left all the grand kids 0,000 but she put it in a account with a trustee and my uncle who was the trustee took all the money and left the country. So I’m out 0,000 and on top of that my grandmother had a family company that my other uncle stole and bankrupted and took all the money to himself and left my mother and other uncle with nothing from that. Aside form easy money my mother was a real estate broker and the market dried up 6 years ago and now we are poor. On top of all that my parents got a divorce when I was 13. Let’s fast forward, to 2009. I had few friends in high school, never had a girlfriend and hated most of the people there. I finished high school and my parents have no money for school and no one will cosign with me for a student loan so I am forced to go to a community college even tho I am much smarter than that. Also I live in the suburbs so I can’t walk anywhere and got no car and can’t a job because I got no ride. Also the job market is awful and it’s so hard to find a job. The money I saved over the years I used to pay for my classes and books with no help form anyone. My mother was not getting paid on time at her old job and she foreclosed on the house and we have to get out by next month to a apartment. I am 19 and I feel my life passing me by without even living and that makes me very depressed because I am very nice person who will go out of the way to help someone and do charity work at my church sometimes. The fact that I could have had it all with that 0,000 is the biggest slap in the face ever. So everyone else is busy doing their own thing looking out for themselves and no one care about me. IDK I hope things get better, any help or input would be nice.

Also I think I kinda ugly too so any self improvement tip are welcomed, sorry for it being so long but I feel a lot better having all this off my chest.
http://i112.photobucket.com/albums/n179/nintendo1980/eyes-1.jpg

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Can the credit card companies get my disability money like they garnish wages?
Will my credit clear-up in 6 year if I don’t file bankruptcy?
It has been 15 months since I have charged anything on any credit card account.It has been 12 months since I have paid on any of my credit card debt. It is well over 10 times the reported national average. My life situation changed dramatically. My old job was great money and I would be back in it in a heart-beat , if I could. Income from disability doesn’t cover the unsecured debt I have.
I hope to heal and someday go back to work; however, what looks worse a bankruptcy or bad credit? I need advice that will help pull my life together in a way that I can return to the mainstream without some creditor popping up to sabotage my attempts to become productive again. (next time without credit cards- I have made it a year and I am determined to go longer even though the idiots keep sending cards(with hugh credit lines) in the mail.

Technorati Tags: 12 months, 15 months, attempts, bad credit, bankruptcy, credit card account, credit card companies, credit card debt, credit cards, creditor, disability, heart, life situation, mail, mainstream, money, old job, sending cards, unsecured debt, wages