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

the car loan company told him they arent accepting any more payments until the bankruptcy hearing. They claim legally they cant repo until after the hearing (meeting of creditors), and if he wants to catch up on payments he will have to pay the past due balance at the hearing or surrender. Is this true?

Technorati Tags: bankruptcy, car loan, due balance, loan company, meeting of creditors, repo, surrender

I’m 23 years old and I am in ,000 worth of debt. That includes a repo’d car, a default school loan, and some 0 bills here and there. I’ve never had a credit card and as crazy as it sounds, my mother use to use my name to order off the home shopping network and for her utility bills. I have tried to dispute it but with no luck. I just want to start off fresh. It will take FOREVER to pay off that much debt. So should I file bankruptcy? What chapter? Any advice?

Technorati Tags: 23 years, credit card, home shopping network, repo, school loan, should i file bankruptcy, utility bills

Due to loss of both mine and my husbands jobs (at the same time), I havent paid anything credit related in over a year and a half. I had to go down to just paying the necessary bills(rent, electric, etc). Both my brand new cars were repo’d and sold as well and all the cc’s have been written off or sold by the creditors. My question is, now we are back on our feet, both working, etc. How do we go about fixing out credit?? Should we bankrupt just to get rid of the debt or should we try something else?
Also, our goal is to purchase a house in about 2-2.5 years. So i want to do whatever is best to achieve that. Thanks!

Technorati Tags: brand new cars, creditors, jobs, necessary bills, repo

i want to file for bankruptcy and do it on my own. how much will it cost me. i jus have like 15k in debt, from a repo and credit cards. i have school loans too but i know bankuptcy doesnt wipe that out. so what would i file and how would i go about filing?? i live in California. thanks

Technorati Tags: bankruptcy, credit cards, repo, school loans

I currently have around ,000 in debt, ,000 of which is from credit cards, ,000 from an auto loan (The car was repo-ed and this is the remainder balance I owe after auction). I also have ,000 in student loans. I have been unable to pay on my credit cards for the past year and a half, so the interest rates are through the roof and my credit score is extremely horrible. Would it be better for me to file for bankruptcy at this point? or try to negotiate a settlement payment for my debts and try to rebuild my credit?

Technorati Tags: auction, auto loan, bankruptcy, credit cards, credit score, debts, interest rates, remainder, repo, settlement payment, student loans

I enrolled with Renaissance Debt Solutions out of MD and paid the initial 9 start up fee to help me with credit cards and a repo that I have been paying on for 3 1/2 yrs. I was not behind in anything at the time but am now. Checked with the BBB (after the fact) and the company has an unsatisfactory rating. Does anyone have any further information about this company before I just cut my losses and try to get back on track with my creditors myself?

Technorati Tags: bbb, credit cards, creditors, debt solutions, losses, renaissance, repo

My husband is 21, unfortunately he has made some horrible decisions in his life regarding money. He is now considered ‘high risk’ by EVERY loan company you can think of, including the NO CREDIT BAD CREDIT NO PROBLEM people, lol. Now his (not mine, my name is not on it, and please remember, I just recently became his wife!) car is up for repossession. He leaves for basic in January, and that will solve many of our money problems. However, we NEED this car, myself and my daughter, while he is in basic and up until that time. How long will it take them to come get it? And the real question I am asking is–with his credit being this horrible, and owing all this money that’s so terribly behind, should he just file bankruptcy?? I know it will freeze the repo and we can at least keep the car. He is only 21, I know that is young, but his credit report is four pages long–of crap he still owes. Would it be better to start over even with a bankruptcy? (my credit is good.)
That is–keep the car for an undetermined amount of time. His mother (imagine that, the apple doesn’t fall far from the tree) filed bankruptcy earlier this year and drove her truck for free for over six months.

Technorati Tags: amount of time, apple, bad credit, bankruptcy, credit report, decisions, high risk, loan company, money problems, repo, repossession, six months

I was told by a car dealership salesman that the only way I could get into a car was through a lease, so I did. I have not had the vehicle for a year yet, but have put about 40K miles on it and am having a difficult time making the lease payment and paying the considerably higher insurance requried. I want to turn it back in, but am unsure about how much money they are going to try and bill me for for the mileage and wear and tear, and a host of other penalties etc. Will they put a lien against my home for this, garnish wages, etc.? Would filing bankruptcy before turning it back to them protect me from this? Would a bankruptcy be better than a repo on my credit history?

Technorati Tags: car dealership, credit history, filing bankruptcy, garnish wages, how much money, insurance, lease payment, mileage, repo, wear and tear

Its a 2007 Honda Civic EX i owe about 21,000 on it, i dont think anyone would by it because they could go to a car lot and get one for 19,000. my credit right now is very good for my age(21) i know having it repoed or filing bankrupt will hurt my credit i just want to know how bad and which one would be better repo or bankruptcy.

Technorati Tags: bankruptcy, car lot, filing bankrupt, honda, honda civic, honda civic ex, repo