A. S asked:


With the economy in a interesting state, I’m trying to figure out if filing now would be a smarter decision than filing in January 2009. I’ve tried my other options of loans and non-profit debt relief organizations, and I haven’t open any more accounts or use current accounts since May 2008. I’m strictly cash and debit card. The debt relief organization was great, but my income is just too low to accomodate living with necessities AND paying the monthly consolidated debt. I’ve made sure to pay school loans first which are consolidated. Anyway, I’m not excited to file bankruptcy but want to know would now be the best??

Please don’t share other options, I am filing bankruptcy. I just want to know if now or later would be best?

Ann

a1beachfreak asked:


I’ve had a really good paying job for five years. I didn’t think I’d be faced with an inability to pay my bills, but I just found out my plant will be closing in May. I don’t doubt I’ll find another job, but one making the kind of money I need is doubtful. I don’t want to file bankruptcy, but some kind of a helping hand would be great. I don’t want to be scammed…..I want to be helped! Any ideas about legitimate debt reduction?

Norma