I need advice from people who have or are going through a bankruptcy?
Friday, July 17th, 2009
kris asked:
Hello everyone.I need responses from people about their bankruptcy and what is involved in them.We have an extremely huge amount of credit card bills and some medical bills.Even with debt relief help we could never make the payments every month.We own our house and have a car payment.Both are current.We can not sell the house cause there is no equity in it cause like so many others we refinanced with the whole sub prime mortgage scandal.So the house is not even worth what we owe on it.I am told that we can file and still keep our house.I am angry at myself for not being more financially responsible.We have a 4 year old and I do not want him to be as financially irresponsible as we were.Eventually the cards began to be used for everyday expenses that we just couldnt keep up with.If we dont file then I risk the chance of being sued or liens on the house.I want a better life for my family.So my question is how has bankruptcy changed your life?And do you feel any relief.Oh,we live in the state of Pa.Thanks everyone.
Our credit card debt is 30,000 more than we make in one year.And not paying your bills stay on your credit report for the same amount of time.
Thank you so much SP.I am so freakin out about this whole situation.Your advice gave me some relief.Thanks again.
Beatrice
Hello everyone.I need responses from people about their bankruptcy and what is involved in them.We have an extremely huge amount of credit card bills and some medical bills.Even with debt relief help we could never make the payments every month.We own our house and have a car payment.Both are current.We can not sell the house cause there is no equity in it cause like so many others we refinanced with the whole sub prime mortgage scandal.So the house is not even worth what we owe on it.I am told that we can file and still keep our house.I am angry at myself for not being more financially responsible.We have a 4 year old and I do not want him to be as financially irresponsible as we were.Eventually the cards began to be used for everyday expenses that we just couldnt keep up with.If we dont file then I risk the chance of being sued or liens on the house.I want a better life for my family.So my question is how has bankruptcy changed your life?And do you feel any relief.Oh,we live in the state of Pa.Thanks everyone.
Our credit card debt is 30,000 more than we make in one year.And not paying your bills stay on your credit report for the same amount of time.
Thank you so much SP.I am so freakin out about this whole situation.Your advice gave me some relief.Thanks again.
Beatrice