Was married to a spendthirft in a comunity property state. She's in jail and was on the run for 3 months before I could get her to sign the divorce papers. My car had been repo'd. I live with a friend. The creditors won't stop calling. I a working 60 hours a week but can't seem to get ahead. Total bills she racked up that I know about: $50-55k. I just want to get a fresh start and move out of this state and begin my life again, but don't want to shirk responsibility. Once more, I just got out of the hospital and have no insurance. Thought about suicide but I know I've got to face this. I used to have such great credit. Now I eat 3 days a week at the most. I don't know what else to do...
2006-10-25 20:09:56 · 16 answers · asked by amsalak21 1 in Family & Relationships ➔ Marriage & Divorce
There is no real, logical way to pay off your debts. You will be in debt for the rest of your life, unless you win the lottery. So my answer to you is Yes. Yes, file for bankruptcy and do not feel guilty about doing it. This way you can move on with your life, and do not allow anyone to ever put you in this situation again.
2006-10-25 20:13:48 · answer #1 · answered by Anonymous · 0⤊ 0⤋
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2006-10-25 20:29:30 · answer #2 · answered by kirsty m 3 · 0⤊ 0⤋
The important thing is to act and act as quickly.
It is possible to file a bankruptcy case without the assistance of an attorney, but it is extremely difficult to do it successfully. Professional advice can protect your rights in this complicated legal proceeding. Your creditors almost certainly will have attorneys representing them.
Ask friends and family if they can recommend a lawyer. If not, the National Association of Consumer Bankruptcy Attorneys http://www.nacba.org/ has an online directory of its members. On the home page, click on "Find a Bankruptcy Attorney Near You." Look for a lawyer with expertise and more than a few years' prior experience in personal bankruptcy. Lawyers usually don't charge for a brief initial consultation, but ask about fees before setting up an appointment.
You may be able to find free or low-cost legal services. Call your local or state bar association or county courthouse or check the yellow pages under "Legal Aid" or "Legal Assistance." To find legal aid services near you, visit the Legal Services Corporation web site http://www.lsc.gov/ and use the "Find Legal Services" state-by-state directory.
Good luck and God bless.
2006-10-25 20:28:49 · answer #3 · answered by Ecks 3 · 0⤊ 0⤋
Go talk to your lawyer! You need to eat more then three meals a week! Don't ever get involved with a spend thrift again! Don't kill yourself either! There would be nothing gained from that! See if you can file bankruptcy. Check with The United way and at least they can get the creditors off your back. You can always start over again-but you need to eat three meals a day and take care of yourself! Maybe it seems impossible- but you can start over again! YES file bankruptcy-DON'T KILL YOURSELF! IF you kill yourself then you would be shirking your responsibility for sure! Let yourself live to love again!
2006-10-25 20:49:43 · answer #4 · answered by Anonymous · 1⤊ 0⤋
The bankruptcy laws are there to help people like you. Just do it, the stress will be gone, you can breathe again, and start over with a new life.
The debt collectors won't stop calling unless you change the phone number. Do that tomorrow, and get to a bankruptcy attorney by Monday... you'll feel much better really soon.
2006-10-25 20:35:02 · answer #5 · answered by Anonymous · 1⤊ 0⤋
talk to a lawyer as bankrupcty laws have changed and its not just wipe the slate clean anymore, its more of a payment schedule now.
plus gotta factor in all the high interest rates, 22% and more for anything for 7 yrs afterwards and THEN they slowly come down to normal, EVEN if you are perfect during those 7 yrs. That word BANKRUPCTY on the credit report just looks bad no matter what. But if all that is fine compared to what looms over you...then might be a wise choice.
Again, only a lawyer can lay all this out to know which way is best for you.
2006-10-25 20:14:16 · answer #6 · answered by Anonymous · 2⤊ 0⤋
During and after my divorce, I went through the same thing. I was using credit cards to buy groceries and just to live, plus trying to raise 4 kids. Creditors were calling me at work, at home; and finally I couldn't take it anymore. For me, it was the best thing. When my debts were finally "erased", I felt like a new person. No one was harassing me and I could finally answer the phone with peace of mind. I didn't have to give up my car or anything and it was like a new start for me. I did finally acquire one or two credit cards again and even bought a home later, so filing for bankrupsy isn't the end of your good credit.
2006-10-25 20:48:02 · answer #7 · answered by Nancy D 7 · 1⤊ 0⤋
speak to a bankruptcy lawyer. if there is no way to logically pay all this back then you should file. if you still want be responsible, talk to the lawyer about chapter 13, the court sets up a payment schedule and you repay the debt a little at a time.
before you worry about paying her bills you need to make sure you meet your everyday needs (not wants) ex. food, shelter, etc.
2006-10-25 22:58:16 · answer #8 · answered by neinnana 1 · 1⤊ 0⤋
The best thing for you to do, is to stay living with your friend .....or possibly a relative for the moment anyway.
Try and seek some financial advice and work out some kind of payment plan.
And lastly but NOT least.....if this was matrimonial debt then she is accountable for at least 50%..................it would be in your best interest to seek legal advice to get your ex to be accountable aswell.
Don't be afraid to ask friends and family for help.
Be strong and good luck.
2006-10-25 20:38:17 · answer #9 · answered by Anonymous · 0⤊ 0⤋
i am going through bankruptcy now.and hopefully it will cleared me once I get this done...but its a process find a bankruptcy lawyer and work it within the deadlines ..you have more debt than i do it seems good luck honey once you clear yourself be careful how you pay your bills ...im telling you and myself lol Dont you dare think about suicide its not the answer ...believe me its not ..ive been there. it will only complicate your problems.....pray for a better solution and you will be protected but please dont think about suicide...you can dig yourself out of your rut if you find help...go to a lawyer they can help you if you choose..good luck God bless you
2006-10-25 20:38:53 · answer #10 · answered by Anonymous · 0⤊ 0⤋