I just got my discharge notice from the courts. I’m kind of happy about, mostly not if you know what I mean. Problem is that I don’t know where to go from here. I’m in a bind and need some really good advice. Bit of a long story but please read.

I’m 33 years old, living with mom and dad since sept 2007 and have been working at a part-time minimum wage job since nov 2007. I filed chapter 7 in july 08 and just got my discharge notice saying I’m cleared. My truck was repo’d in august 08 and now I drive a 49cc scooter. I closed my checking and savings accounts in oct 07 and recently opened up new ones.

Obviously, not my finest hour here. I’m lost and depressed and pissed off in general, and don’t know what to do or where to go from here. My only real skills and experience job-wise are customer service and supervising, and I hate supervising. My one supervising job lasted 3-1/2 years and I quit because I hated it and management. First job that I’ve ever left on really bad terms.

Quiting is how I got into this mess unfortunately, I had a new vehicle that cost a lot but was affordable with the job. I moved in with my brother (a financial risk in itself) when he came back to town to help him. The next job in sales (third big mistake), didn’t cover me financially. I got a second job, but that still didn’t make ends meet. Finally I gave up at everyone’s insistence and quit both jobs, moved home to mom and dad, then searched for a new job (4th mistake, quitting before finding new job). After that, it was all downhill, the folks pushed me to file bankruptcy and even made the appointment for me, which I went to and then filed for (mistake? I’m not sure YET).

Here’s the toppings, I have mild spastic cerebral palsy which is screwing me up physically and the part-time job is pushing that along. I need a sit-down job like with the supervising job but without the supervising part of it. The economy is crap to boot and I’ve never been good at getting jobs to begin with before this economy mess (12% unemployment rate right now in my town). To say the least I feel like I’m in hell right now. I’m not seeing any real options to get my life back.

I thought about college but now my folks are definitely moving in 2 years (but no destination yet) and I’m stuck putting college on hold until we do move or at least know where we’re moving too so that I can contact a nearby college for potential credit transfers.
Anyhow, I just don’t know where to go from here. I seem to be questioning every choice I want to make to the point that I can’t make any decisions any more. I just cannot seem to get my head back on right after this major mess I got myself into.

So here’s the multimillion dollar question: What do I do now to get my life back on track financially?

Technorati Tags: 33 years, 49cc scooter, big mistake, bind, cerebral palsy, chapter 7, crap, financial risk, finest hour, first job, good advice, insistence, minimum wage job, mom and dad, new job, part time job, repo, savings accounts, second job, spastic cerebral palsy

I filed for bankruptcy back in feb 05 b/c I was returning to school and wasnt going to be working full time anymore, and it was all finalized in aug 05. My mom told me to put my car on there but I didnt b/c I thought I would have at least a part time job. Now Im not going to be working part time, I have workstudy at school, and only work 1 hr a day, and get paid 6 bucks an hr. I want to get rid of my car so I dont have to worry about a car note, and dont want to seel it b/c it sells for around 5,000 and I owe 11,000 on it, what can I do?

Technorati Tags: bankruptcy, full time, mom, part time job, returning to school

I’m in trouble what can I say and the only thing left is to file bankruptcy. I do own a home and I’m current with the payments.I do not want to lose my home.What I make right now is just enough to support myself and my kids. Few years ago my then husband took a second mortgage on another property that we own at that time. After separation we have lost that home and we agree for me to remain in this home now and pay for it which I do. The problem is that things changed. I lost my job , divorce etc and we stop paying that loan. Its about 27.000 dollars. After stop paying the loan was handed to a collection agency. I agree to pay them 100 a month. But is getting harder in harder to go by. Mortgage , food, gas , 2 kids ,etc I can’t make it. I really don’t have any other debt except a 1800 dollars credit card that is still current. I have a part time job now and I don’t know how to make it.The ex husband don’t help. My question is can i file to bankruptcy on my own? I don’t have money to pay a attorney. My credit is ruined already.I need to get out of this without loosing my home. When I did my taxes I paid off some other bills that I had. I don’t want to do this just to get away from my debt, but I don’t see any other option. I make 900 a month.
Thanks
i forgot to say that I live in Illinois

Technorati Tags: bankruptcy, credit card, divorce, husband don, money, part time job, second mortgage

I would like to know rather bankruptcy would be a good option for me.

I have a 10,000 car loan. Several other loans that equal about 10 thousand. I have a HUGE credit sheet that equals about 30 thousand in medical bills and other. The bank is taking me to court over the loans.

I have not had a job since Dec and just found a job but for 10/hr and will not start for a while. I am a single mother with no child support and live with my grandmother (who is really bad shape and needs tons of help money wise).

What should I do????

Thanks
To answer the questions that I have been getting…

I don’t get child support because the father is serving a five year term in jail for abuse and drugs.

My father refuses to give any care for his mother. He has not even spoken to her in six monthe. At one time he was helping her, but he took all of her money (60,000) and ran for the hills.

After I file, I plan on going to school full time and drop down to a part time job. And pay for school through the FASFA program and out of my own pocket. I refuse to have to get over my head ever again.

Technorati Tags: bad shape, bankruptcy, car loan, child support, credit sheet, drugs, full time, grandmother, loans, medical bills, money, part time job, single mother

I’m a 29 year old teacher. I’ve accumulated about 00 in credit card debt since I was in college. I cut up my credit cards about three years ago & have been paying on the balances, but card I fell 9 months behind. The minimum payment was over 200 a month and on a teacher’s salary, I just could not make it. They’d send me settlement deals, but I didn’t even have money to settle. I’d send them periodic payments to try to show them I was at least trying. Now, they’ve sent my account to a Debt Collection Agency. The collection agency seems to want me to come up with the entire amount or file bankrupcy. Is there any way I can get a big debt collection company to work with me on small payments until I can get ahead? I recently took a part time job to give me extra income to work with. I don’t want file bankrupcy @ this age and it is the only marr on my credit report. How can I get them to give me repayment options in writing? They want me to do everything over the phone. Help!
The lame teacher’s excuse, is not an excuse. In the state of Montana, a beginning teacher’s salary is barely ,000 a year and with student loans, a rent payment, insurance, etc., at the end of the month I have maybe left over.

Also, I have tried debt consolidation and because I work "-" in the red each month, they would not take me.

Technorati Tags: 9 months, amp, bankrupcy, credit card debt, credit cards, credit report, debt collection agency, debt collection company, debt consolidation, excuse, extra income, insurance, marr, minimum payment, part time job, periodic payments, repayment options, salary, state of montana, student loans

I like to spend. Some might call me a super spendaholic. Charge it! I always say. I like to go out to fancy dinners, get really really good wine and just put it all on the credit card and so I don’t have to worry about it until I want to worry about it. Well now my bill is like ,000 and I’m getting charged absolutely insane amounts of money every month in interest as my rate is 22%. I only work a part time job and I don’t want to quit it for a full time one because it’s a pretty cool job with no stress or responsibility. Should I file for bankruptcy? I personally don’t care about my credit score. If I can get out of this mess by bankruptcy I will.

Technorati Tags: credit card, credit score, fancy dinners, full time, insane amounts, money, part time job, should i file for bankruptcy, stress, time one, wine

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

I just turned in my paperwork this week. They told me up to two weeks to verify my information and my lawyer will file. My question pertains to the fact that I was advised to resign at my part time job prior to filing, which reduced my income to a normal 9-5 income…..

Do I have to wait for my BK to be discharged before I can get my part time job back? What if I took a new job which actually pays less but more hours? My income would stay the same really, but I would put myself in a better situation.

Thanks…

Technorati Tags: bk, lawyer, new job, paperwork, part time job

I have outstanding credit card debt of roughly ,000 or so and it’s been 2 years since they have been in collections. One of the 2 CC companies is now suing me for ,000. I have a part-time job making /hr and my yearly income is roughly ,000/yr, so I’m already quite limited financially. The only significant asset I own is a 1999 Mercury Sable (paid for), as I rent. It seems my biggest concern should be wage garnishment, I think. Is that a big risk making only k/year? Or maybe I should just file bankruptcy? I live in Ohio, if that helps.
EDIT: Also, I have an initial consultation with a bankruptcy lawyer tommorrow, is there anything I should ask him about?

Technorati Tags: 1999 mercury sable, bankruptcy lawyer, collections, credit card debt, initial consultation, mercury, mercury sable, part time job, risk, tommorrow, wage garnishment, yearly income

Like most Americans, I’m in debt. I’m a student with a part-time job and I’ve sunk into some pretty nasty debts. I have medical bills to take care of, as well as other other stuff. I’ve read a bit about debt consolidation and lots of sources say it’s pretty much a scam (you’re not eliminating the debt, you’re just moving it). I don’t think bankruptcy is a good idea.

What can a college student (undergrad) do to eliminate 00+ debt? Are there loan programs that just give you money and a few years before you have to start repaying it? Are there other alternatives?
I’ve decreased personal expenses to pretty much nonexistant. I don’t really buy clothes and food and such and all of my expenses are either medical bills, textbooks, or a monthly laptop payment.

Technorati Tags: bankruptcy, clothes, debt consolidation, debts, laptop, loan programs, medical bills, money, part time job, personal expenses, textbooks

I am a 22 yr old, 4th year university student with like 7 thousand dollars in credit card debt. I have part time job, that pays for my rent and car insurance, and some food. I get my tuition form my parents. But since this is my last semester I wont get any more tuition form them. I am really stressed up right now. Can I file for bankruptcy? What is the procedure.

Technorati Tags: bankruptcy, car insurance, credit card debt, insurance, parents, part time job, thousand dollars

Also do you know of any bankruptcy lawyers in the Western PA area?

Basically I went into debt consolidation through a non profit organization. I paid them one monthly payment and they dispersed it to all 3 of my creditors.

They have had problems with American Express accepting a proposal, or accepting a proposal then a month later saying no they wanted more than that. So basically they defaulted my account 2 times for this proposal problems and now they want immediate payment of ,300. I do not have that kind of money. I go to school full time, live it at home, drive a car owned by my mom, and work a part time job.

I have tried compromising with them, but they won’t budge. And my mom won’t bail me out because she feels I need to fix this myself. I know bankruptcy is a major step but I am just trying to look at all of my options.
Also if you know of anyone who has gone through a similar situation with American Express let me know. I would love someone to talk to about this.

Technorati Tags: american express, bankruptcy lawyers, creditors, debt consolidation, drive a car, full time, immediate payment, mom, money, non profit organization, part time job, proposal, western pa area