I have two jobs & still cannot make ends meet. I am desperate to find a solution to how I can keep my house. I am not asking for money, just advice on how to save my house for my wife & kids. I paid 0.000 for the house & put thirty thousand dollars down!. The house is now worth 200.000!…….please……please…is there anyone that can steer me in the direction that I need to go to save my home?

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I have somewhere in the neighborhood of 20 thousand dollars of dischargeable debt. I am college educated and usually able to logic my way out of a box. There are lots of online bankruptcy programs that would save me a considerable amount of money. But am I setting myself up for failure if I use an online program instead of an attorney?

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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.

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I am on the borderline of filing for bankruptcy, i have about 9 thousand dollars in debt so i would really like to avoid bankruptcy if possible…i just dont know the different alternatives…BTW my account was charged off so they told me i couldnt workout a repayment plan…they told me that i would have to come up with the amount in full or they could settle for about 60-70% of what i owe em but i still dont have that kind of money

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We are refinancing our house to pay off some credit card debt. I have heard that the debt management companies will negotiate on your behalf and either lower the interest rates or lower the amount they will accept to pay off the debt. I have also heard you can do that yourself.

Anyone have any experience with this tactic? I have also heard that trying to settle for a percentage of your balance will wreak havoc on your credit rating. Is it worth it to save a couple of thousand dollars?

Do you try and reach an agreement with the first CSR you talk with, or does it only count if you negotiate with a manager or other official? Should you get the agreement in writing, as well as any effects on the credit rating? What is an appopriate percentage to ask for (50%? 60%?), or does it depend on factors like amount owed, past payment practices, etc.? Does it help to threaten you might be filing for bankruptcy if they do not settle?

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I’ve looked at filing for myself but really feel like I should get help from someone with some experience. I’ve heard paralegals will do it for a few hundred dollars plus costs but how do I find one? Most attorneys want to charge me over a thousand dollars which I just don’t have.

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any one know how to file bankruptcy by yourself in the state of california exempting your Workman’s comp settlement coming into you on your own since you cant afford to pay thousand dollars for them to do it for you i really don’t want my money garnished and i don’t want my settlement taken away from me what do i do some one please help me

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