To make a long story short, I have managed to bury myself with almost ,000 in credit card debt I did not want to file bankruptcy. I have been able to pay around ,500 a month towards credit cards consistently which usually cover a little more than the minimum payment. I was doing the math and even with getting interest lower this is going to take me anywhere around 8-10 years. So I decided to join a debt settlement program that allows me to pay 75 a month for 36 months and it will get me out of debt by settlement. I have never been late on anything before but this month I have been advised by the company I decided to work with to stop paying the creditors. Does anyone know if the debt settlement companies send pfd’s or are they just trying to settle and get their share? What are somethings that I should expect to happen to my credit in the next 3-5 years? Does anyone have any success stories about settling their debt? I am just trying to sleep good at night with this decison.TY

Technorati Tags: 10 years, bankruptcy, credit card debt, credit cards, creditors, debt settlement companies, debt settlement program, decison, math, minimum payment, pfd, sleep, success stories, ty

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

I’m in the reserves and I’m considering filing for bankruptcy. I understand the credit consequences but seeing how my score is already seriously tarnished, I feel it is my only option. I can’t sleep at night and it’s getting worse and worse. Will anything happen to my military career in the reserves if I file for bankruptcy?

Technorati Tags: consequences, filing for bankruptcy, military career, score, sleep

Like "Do black people sleep in beds?" or "Why do Indians smell bad?" What are they accomplishing? Shouldn’t they make better use of their time by stating facts, such as how illegal immigration is causing California to go bankrupt?

Technorati Tags: beds, illegal immigration, indians, sleep

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state ins. full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without ins.?I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, ins, money, parents, part time, sleep, toyota, toyota tacoma

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

I have a judgment against me for over 0,000 due to a crazy con-artist ex-boyfriend. He only works under the table so of course, they come after me. I’m a single mom and work very hard for a living to support my children. I have now received notification of garnishment. I’m wondering if filing Chapter 13 bankruptcy could include a judgment or not? I have an appointment with an attorney on Monday, but would like to get some sleep this weekend!

Technorati Tags: appointment, chapter 13 bankruptcy, con artist, filing chapter 13 bankruptcy, garnishment, judgment against, single mom, sleep

My credit is terrible I have quite a few accounts in collections, charged off and delinquent and wage garnishment. Some of the accounts are not mine but the process of filing a dispute with the credit bureau has proven unhelpful because they would not remove the accounts. So I am trying to move forward in my life and get my finances and everything together but I am not sure if I should file bankruptcy because I feel like I can not obtain new credit anyway and either way it would take at least 6 months to a year to show that I am being more responsible but my main concern is my garnishment that will stay on for about 20 more months and I really need that extra money due to the fact that I am a single parent trying to get on my feet after leaving an abusive relationship and I just don’t know what to do. Morally I think the right thing to do is to pay off my bills but I don’t have any extra money to do so the money they are taking from my wages could be used to pay off my debt but the only way I can get it off is to file bankruptcy so what to do I am very confused and defeated right now please any advice on finances that could help!!
when I say the accounts are not mine that means I did not sign anything I did not ok anything and I was unaware of the accounts until I looked at my credit report. I have had my personal information stolen on 2 seperate occasions so while yes my name may be on the account I did not sign for them. I am woman enough to admit the accounts I opened I neglected but I do not want to pay back money for accounts or loans that I had no part of and I do understand that bankruptcy will effect my credit for years to come but I have 2 kids a job and school so yes finding another job sounds logical but physically and mentally I am not capable right now of taking on that extra stress and losing the 4 hours of sleep i get each night now. Thank you all for your insight and help Busso, Melvin and Irv thanks a lot you guys your answers don’t make me feel like a complete idiot.

Technorati Tags: bankruptcy, collections, credit bureau, credit report, delinquent, extra money, hours of sleep, insight, irv, job, leaving an abusive relationship, loans, seperate occasions, single parent, sleep, stress, wage garnishment, wages

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

How are we capable of looking into the eyes of our children and grandchildren if we bankrupt the nation with high Government spending and entitlement programs such as Social Security and Medicare.

How are we able to sleep straight at night and say all is well, when our children might not be able to pay our spiraling debt?

Technorati Tags: entitlement programs, government spending, grandchildren, medicare, sleep, social security, social security and medicare

I’ve made a big mess out of my life by making mistakes I could actually afford at the time. I had a great job making enough money that I could afford my own apartment and a brand new car. Life was great for about 2 years, all my payments were on time, and I had a little extra cash so I could go out with friends on the weekends. I met a guy and he moved in, and everything went straight down the tubes. My boss fired me and didn’t give me an explanation ("something needs to change and we think it’s you" whatever that means), and I found another job immediately but only making about half of what I was making when I got fired. This whole time, I was still paying all the bills for the apartment and car, even when I had a full time roommate because he didn’t contribute a dime for the first 5 months he lived with me. I used up all savings and started to borrow money from family and friends until they all cut me off ( reasonably stating that because I had someone else living there, they shouldn’t have to rescue me and I’m inclined to agree ). so at this point, I’m about 2 months behind on my credit cards and car payments, and my brain snapped and I told my bf that he had to start helping with the bills. at which point, he started "helping" with about 1/4 of the bills for the apartment ( i never expected him to help with the car or credit cards, but I do feel he should have had to help with 1/2 the bills for the apartment, especially since his kids were there on the weekends as well ). I quite stupidly started just flat out ignoring the harassing calls from creditors and collection agencies (hey, I couldn’t pay my bills just to live, sleep and eat much less give anything to the creditors, and they refused to work with me the first couple of times they called). I surrended my 2 year old car that I adored because the creditors told me they had reported it stolen (i don’t even know if they can do that, I was 2 months behind on payments). also adding to the misery, I had co-signed a loan for my brother to get a truck, which he also defaulted on and surrended. So to date, I have ,000 in debt and have no way of paying it back (at least not for the foreseeable future). I do have a job, making less than 0 a week with no possibilty of any overtime and / or supplemental income. last october, I was severely depressed and got behind the wheel of a car drunk, got arrested and charged with a dwi. so now, I have to pay rent, fines and surcharges, my car insurance went through the roof, and my phone bill. at the end of the month, I’m left with about , 0 if I’m really lucky. I talked to a credit counselor to try to get the debts under control, and she informed me that my ONLY option is bankruptcy. I’ve come to terms with the whole bankruptcy thing ( and believe me, I’m not thrilled about it ) but the biggest problem I’m facing now is trying to come up with the money to file for bankruptcy. The creditors are getting more aggressive, I’ve been sued at least twice, and they are threatening bench warrants and garnishing my wages. I can’t afford what I’m living on now! If they garnish my wages, I will not be able to pay for something (most likely fines and/or surcharges) and all of this is going to turn into an even bigger mess.

I’m at the point now where I understand all of my mistakes, realize that I have to pay for them. But I’m also at the point where I am extremely close to suicidal. I can’t eat, I can’t sleep and I can’t concentrate on anything. I’m ill at the situation I’ve created for myself, but I don’t know how to fix it. I don’t even know where to start. I quit drinking nearly 6 months ago after realizing what it had cost me. Is it too late? Am I doomed to be a mess my whole life? It seems like this situation never gets any better, it’s gradually just getting worse, to the point of just giving up completely.
This situation feels completely hopeless. No one has any advice for me. every one just says "that sucks". well, no kidding! I hate to sound so shallow, like money is the only thing that matters to me. I don’t just care about money ( in fact, I HATE IT ). The fact of the matter is that my whole life feels wasted, like I’ll never recover from any of this. I hate no longer being self sufficient, and feel like I will never be able to take care of myself again.

Is there anyone out there that has any advice for me at all? Steps I can take to improve the situation? Or possible jobs I could take on to try to make some extra cash so I can take care of all this with a less than stellar record? I just need some help and this is my last resort. I really don’t know what else to do.

And for anyone who has snarky remarks, IE: you’re on the internet ( so I must have $ right? no, I use my computer at WORK), you made your bed blah blah blah, please keep the comments to yourself. the purpose of my post is a last ditch attempt at trying to get some help, not lose any more of my self esteem, if there is any left.
Thanks

Technorati Tags: 5 months, apartment, bf, boss, brain, brand new car, car life, car payments, collection agencies, credit cards, creditors, enough money, extra cash, family and friends, full time, misery, roommate, sleep, tubes, whole time

I owe .000 dollars to two different private lenders. Times are tough at the moment were I had not been able to get a job. I had been searching for a job for the last 2 years and have not gotten any results yet. Moreover, the lender have send my case to collections. The collections people at least, calls me twice a day demanding their pay. I try talking to them to reason, but they just keep calling and calling.

Honestly, for the last year I had not been able to have a decent sleep. I am only 28 years old but I looked 50. Im getting gray hair, and my eyes are tired.
I am embarrass to say it, but I do not know how to use a credit card.
I had never had credit cards or rely on any other type of credit except my bank debit card. I do not owe a house, nor I have plan to buy one soon. I just want to start from zero. The pressure is grater now, hence lately I had been thinking of suicide as the last alternative. Almost all my family knnows about my debts, and they see me as a loser. I do not want to feel like that. I come from a background where we do not rely on therapist for our problems, or any type of sitiuatios, we just deal with them.
I know credit card is our a mayor benefactor for the individual, but at my 28 I had never had the use for it and yet, I had travel to Europe and the Americas.
What should I do? I am tired, sad, and been having this morbid ideas of ending my problems.
Any help would be grateful.

Technorati Tags: 28 years, bank debit card, benefactor, collections, credit card, credit cards, debts, europe, gray hair, loser, private lenders, searching for a job, sleep, thinking of suicide

I have been in my home for a year and a half. I purchased it through owner financing. I lost my job two months ago and they are telling me they are going to forclose on my starting next week. My option at this time might be bankruptcy, but only a ch.13 would help me. I then, am leary, because I don’t want to put myself in more debt just to save my house when I am not that far behind. They will not work with me. The ch.7 alternative I have been told, will not help me save my home, so I am beyond upset and really don’t know the best thing for me to do, but I really don’t want to end up homeless. I rented at one time in my life and the only time, and was evicted from the rental because the landlord wanted me to sleep with him. No lawyer would help me because they all represented him at one point, so now… I can’t even get into an apartment. If someone could please offer some advice, it would be greatly appreciated. I am a young widow with two boys at home.

Technorati Tags: apartment, bankruptcy, ch 7, job, landlord, lawyer, owner financing, sleep, time in my life, two boys, young widow

well I first lost my job, and now I’m in the process of losing my house from bankruptcy so I’m going to be homeless at the end of the month, what should I do? I can’t imagine myself living in a park or on street corner with everyone walking past me and neglecting me and beating me so is there an alternative to this? Is it possible that i could use a safety harness rope and climb on top of school buildings and sleep up on top there instead? I was thinking about dwelling in a treehouse somewhere in the forest but….there are bears there that can climb trees without any real effort and I haven’t purchased bear spray or a gun yet or anything…what can I do?? What would u do if you were in my shoes?? (Thank goodness I am single, phew)
i don’t have relatives and i don’t have friends

Technorati Tags: bankruptcy, bear spray, bears, climb on top, dwelling, goodness, job, relatives, rope, safety harness, school buildings, shoes, sleep, treehouse, trees