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 am 26,000 in credit card debt. My life turned around completely last year and I lost many things in my life, family, job, etc. I am not making enough on my job to pay the basics and have been using up all may savings. Now I have no savings left and am short 600 month just for basics and providing for my daughter although she doesn’t live with me. She lives with my mom who is living on ss. I need to file chapter 7 but can’t afford the fees and am not smart enough with paper work to do it myself (I’m terrible with directions). I can scrape together money for the useless credit counseling stuff (so they can figure out how I can pay 1800 bills on 700 income, lol) if I don’t buy groceries for a couple weeks but I have no way of getting 500 dollars. My employer cuts hours every week and it’s that way on all retail jobs. I can’t just get a better job and even with that, i would only have the money I need for the basics. My small tax refund will only be 30 dollars.
If I was able to get a second job (not easy with no transportation and if I work after dark, I have to take a taxi (I spend 20 dollars a week now on taxi rides when I get off at night as my neighborhood is very dangerous and I can’t move). If I can find extra work hours, it will just keep me from being homeless a couple months longer, it will not cover bankruptcy costs. I have no resources, family and friends have no money to help. Is there anywhere in Houston where I can find free legal help (not just a consultation but actual filing assistance without cost?) If I have to pay the fees, I will not be able to pay rent. At the rate I am going, I will be homeless as of July 1st providing I don’t lose my job or have any more hours cut.
They are only a week late but I am already getting calls all day during the week. No one leaves a message on my machine so I presume it’s one of my creditors. I need to file bankruptcy because if I don’t they will sue me and freeze my bank account which only contains my pay deposits which are only 700 but if they take that, I can’t pay my rent. I have nothing to sell as I lost everything I owned last year when my family through me out. They gave away and sold all my stuff. I have a 50 tv and a40 boombox that doesn’t work and a 2year old computer that runs slow.

Technorati Tags: all retail jobs, bankruptcy costs, chapter 7, consultation, couple weeks, credit card debt, credit counseling, creditors, family and friends, free legal help, groceries, lol, many things, mom, money, neighborhood, second job, ss, tax refund, taxi rides

My brother is currently under an installments plan with the IRS to pay about 4,000 dollars of money due from 2004 because he took a second job and his employer was not withholding enough from his earnings. This year he may receive a refund of about 5,000 but he’s afraid the IRS will keep this money to settle the debt even though he is already on a payment plan. He is thinking of using this money to do repairs on his home.

Technorati Tags: brother, earnings, installments, irs, money, second job

i recently filed chapter 7 bankruptcy and have been to my creditor meeting. Now just waiting for my court date and discharge.Is there any reason i can’t take on a second job?

Technorati Tags: chapter 7 bankruptcy, creditor, second job

I have done everything I can to reduce my spending, and my interest rates (on unsecured debt), yet there are still so many demands on my income that I am still unable to meet my monthly obligations. (My VA Compensation was just "reduced" making my problems even worse). Due to the nature of my current "graveyard employment", I have been experiencing a great deal of trouble finding a second job.

Must Bankruptcy be my only solution? I entered into a Debt Management Program (to have interest reduced), 4 months ago. Until then, I had not even had a "late payment" in over 8 years (no longer the case thanks to the DMP).

I was forced to file Bankruptcy in 1999 (so it is about to be removed from my credit file), due to my divorce and excessive student loan payments.

Now I am about to "start all over again" due to my inability to obtain reasonable interest rates on my debts.

Can anyone suggest alternatives to Bankruptcy?

Technorati Tags: 4 months, 8 years, alternatives to bankruptcy, case thanks, debt management program, debts, divorce, dmp, excessive student, graveyard, interest rates, second job, student loan payments, unsecured debt

Has anyone ever gone bankruptcy? If so, what was it like? Did it completely destroy you financially.? Or were you able to tough it out and survive? I wanted to be able to buy a house in the near future, but my credit is totally screwed due to my recent separation (divorce pending) from my ex.

I have over ,000 in student loans, over ,000 in medical bills, a ,000 consollidation loan, an ,000 car loan, a 00 car loan (it will be mine in June of 2009), over ,000 in credit card bills. Not to mention that I am over the limit on all the cards. I have not been able to pay bills like I should because my husband left me and now I have to take care of 2 small children (22 months, 7 months), daycare and all the expenses at home–rent, lights, gas, cable, insurance, car payments, etc.

There is no way I can get another job. My school district doesn’t allow us to work more than 12 hours on a second job and we can’t work past 10p.m. on a school night. I am a teacher in MS and make only ,000 a year…that’s a good salary, but my debt exceeds my salary.

So should I file bankruptcy???
Yes I have a discover card and a sears card .
No teachers don’t make much but are required to work miracles. I am thinking of changing professions.

Intellectual cupcake, thanks for the help, but I live in MS. That is a long way from San Diego…I wish I lived there!

Technorati Tags: 10p, 7 months, car loan, car payments, cards, credit card bills, daycare, divorce, insurance, insurance car, medical bills, miracles, professions, salary, san diego, sears card, second job, should i file bankruptcy, student loans

Since day one everything has been separate. Like bank accounts, credit cards ETC. While I was working he wanted all bills split down the middle which was unfair considering he made twice as much as me. So he told me I needed to get a second job. I didn’t. Credit card bills were piling up on me because I couldn’t afford gas or he expected me to buy grocery’s. I became pregnant with our first child he found out about my debt so we refinanced the house to clear my debt so I wouldn’t have to work. Well I then re-rang up my credit cards and then had to file bankruptcy myself without him because nothing was in his name. We then had a second child. All this time he still does not give me any money for anything. So I then began to use his card. He found out about it almost divorced me, put me in therapy for it almost 2 1/5 years ago. I have no desire to spend like I did but I’m telling you what he wont let me have . I cant get a job because Ive been out of work for so long. My credit is completely screwed up. I still have ,000 unpaid that he refuses to pay, a state garnishment. I’m really stuck!!

Technorati Tags: bank accounts, bankruptcy, credit card bills, credit cards, desire, money, second job

I’m 27 and want to buy a house but I can’t bc I’m about 10,000.00 in debt to about 15 credit agencies for random stuff and medical bills. I really can’t pay them off. I just started to pay one company off and they never report payments being made. I have 2 cars and pay well on them but always have a high interest rate. I’m not sure how to file of if will even help. Does anyone know about this or could give soem good advice. I’m kind of worried about getting scammed with those credit repair people. I’m in Illinois also…and if more info is needed just ask and I’ll add it on…thanks!
oh yeah and I have 2 cars bc my husband has one too….I’m working and so is he, but we have to live ya know….plus a second job is out bc I have a child…and I’d probably be working to pay for childcare..

Technorati Tags: cars, credit repair, good advice, high interest rate, medical bills, random stuff, second job

"Jeff", 21, is a full time college student and can no longer work because he doesn’t have the time. His dad lost his car for driving without any credentials, so Jeff now drives him to and from his low paying, thoughtless job every day. He drives him anywhere he needs to go – bank, store, church. It’s been going on several weeks, and the father has said nothing about getting a new car since he can’t afford the 00 ticket. The father spends most of his time partaking in church and football watching on tv. He has no aspiration to get a second job, because as long as he has his routine church, football, and weekly steak, he is happy. Honestly, he isn’t very bright, for he can’t even understand basic things that Jeff or I talk about – he isn’t bright at all. It seems hopeless.

The father has lied to the mother, who cares but is going bankrupt anyway, so it’s not like she can financially cover her son, Jeff. The father even lies that he is paying Jeff’s car insurance, when really he isn’t paying for his or his son’s.

The father does give weekly twenties to Jeff for gas, in addition to cash for any of his car repairs. It’s not enough though, so I give money to Jeff as well. Ever since the father’s dilemma occurred, Jeff has been far more anxious and tired than normal. He is so busy, he has little time to consider a plan. He also doesn’t have much time to complete the startup process of his online business. He is driving illegally (no insurance), so this must be corrected. What can he do, and does it benefit that I inform the mother of the truth?

Technorati Tags: aspiration, car insurance, car repairs, credentials, dad, dilemma, full time, insurance, little time, money, new car, quot, second job, time college student, truth

I am 21 and have accumulated some debt…not including my school loans it’s about 5,000. I have had some issues with jobs in the last 6 months, but have now resolved that issue and have even taken on a second job making my grand total of hours to about 70. What else can I do??
Also, what are some tips on how to negotiate with collectors? I have one bill in collections, and need to either settle or get a payment plan started.

Technorati Tags: collections, grand total, jobs, school loans, second job

I have at least ,000 in hospital bills, i owe 2 banks total about ,000, 2 apartment leases ,000, IRS 3,500, Credit Card 0, a car REPO about ,500 and i am only 24 years old. What should i do? I’m a full-time college student and work full-time and i can’t get a second job. PLEASE HELP!!!!

I was thinking about paying one of those credit companies 200.00 to clean up my credit or should i just file bankruptcy?

Technorati Tags: 24 years, apartment leases, bankruptcy, banks, car repo, credit card, full time, hospital bills, irs, second job, time college student

After trying to find ways to be able to take care of our responsibilities we have come to the last resort and that is to file bankruptcy. We don’t own any homes or any real property. what I am curious about is which is better chapter 7 or chapter 13. We want to be able to start saving a soon as it done and when feesible start rebuilding credit. Our credit card debt is only 00 which is a lot, but it could be worse. We just had two bad years with this one being the worse. I am looking for advice on the best way to go between the two. Chapter 7 or Chapter 13 and why.

We are not happy about doing this as we have tried everything. We don’t have anything of value and we have tried to pawn stuff but couldn’t get .00 for most. We live very modestly. So please do not answer this question if you are going to be negative.

Thank you so much. We want to do the right thing so we can start over and never have to do this again.
Thank you so much for all that has given advice so far. I guess I need to add just a few details to make the situation clearer.

As I stated it has been a bad 2 years, actually almost 3 years. I got real sick and had to leave my job and am now on disability. My husband took on a second job a year ago. He pays child support. Between the two of us we have 5 kids between the ages of 9-16. We have two vehicles, which one is in the shop. We also are surrendering this vehicle.
We have an attorney and he is recommending chapter 13. I (we) have a lot of medical bills. After I had to leave my job I couldn’t afford the cobra payments for continued health insurance. To maintain health insurance with my husbands employment (state worker) would have cost more than the cobra payments.
My ex- husband filed bankruptcy and I did not know that anything he had when we were together, came back to me.
I never thought I would get sick and have to quit work. I was not prepared.

Technorati Tags: 3 years, bankruptcy, chapter 13, chapter 7, child support, cobra, credit card debt, disability, do the right thing, employment state, health insurance, insurance, last resort, medical bills, pawn, rebuilding credit, second job, state worker