Please someone help. I am a single mother with a disable 10 year daugther. I jsut was divorced and my ex rights were terminated due to what he did to my daughter. I am trying to get back on my feet financially but have alot of debt. I don't want to file bankruptcy. My credit is very bad now due to this and when my ex and his new wife stoled my identity. Please help!
2006-11-09 06:21:46 · 7 answers · asked by chellebeth75 2 in Business & Finance ➔ Personal Finance
You need to take him to court!!!! Restitution is in order.
2006-11-09 06:24:20 · answer #1 · answered by Christabelle 6 · 0⤊ 0⤋
Lenders are people too. They are compassionate and have hearts.
Talk to them. Most will work with someone when they are down on their luck. There is a vast difference in "can't pay" and "won't pay".
Simply tell them the truth. Together hopefully you can work out some agreement (temporary) to allow you to get back on your feet.
If this doesn't work - I'd recommend only one debt counseling place. That is Consumer Credit Counseling. They work for you for free and are very reputable.
Bankruptcy. There are worse things in life than that. That may be your option. Most attorneys do not charge a fee for the initial consultation.
Do proceed through legal means to have the wrongs righted with regards to your ex and the identity.
I too have a disabled child and I certainly know there are expenses and hurdles you face every day due to that. Contact your local mental health center to find out what programs are available in your area that would help to ease these burdens.
Good luck.
2006-11-09 23:01:22 · answer #2 · answered by chey_one 3 · 0⤊ 0⤋
You need to go to the police and contact the companies where your ex and his wife ran up bills to let them know they stole your identity.
As for your debt- what kind is it? If you have a high car payment, you might want to sell that car and get a less expensive one. If it's utilities, call them and asistance agencies (usually HEAP, Community Action Agency, Department of Social Service, Catholic Charities, or the Red Cross can help with those) If it's credit card bills, call the companies to work out a payment plan and let them know you are a financial hardship case. If your daughter is disabled, be sure to apply for disabilitity for her if you haven't already.
2006-11-09 14:27:10 · answer #3 · answered by Vadalia 4 · 0⤊ 0⤋
File charges against your ex- and his now-...And make damned sure that you report all those things to the credit agencies. You can get a bank to help you report the stuff, and they can get you a credit report on what all has happened since your separation. Bringing heat on that jack-*** is the best way to get rid of that debt, and filing with the credit bureaus will help, as well. Make sure you document everything, and have the social security administration put a fraud alert on your social security number. Make sure you check your daughter's credit, too. Don't be surprised if you find massive debts there, too. Place change of addresses with ALL creditors in your report, and close those accounts by certified mail, with demands that your signature be shown to you before a dime is paid. Be prepared to show your identification to those people to prove signatory fraud. Inform them that they need to prosecute those two idiots, and give their addresses and pertinent information. Then, notify any and all creditors in HER name that she is a minor, and do the same... Be prepared to send certified copies of her birth certificate, as well as certified copies of affidavits of the events, copies of court decrees, etc. Filing bankruptcy in your case would be beneficial. You only list the debts HE AND SHE incurred. You provide this same documentation to the bankruptcy referee and THEY will make sure the scumbags, er, ah, I mean the ex- and his MS. get what they have coming to them. Also, check out Dave Ramsey's Financial Peace University. They have steps you can take to get out of debt with your legitimate debts without having to name them in any bankruptcy proceedings you may have to endure.
2006-11-09 14:55:28 · answer #4 · answered by Roosterkroozer 4 · 0⤊ 0⤋
You might wish to contact a credit counselor that has a good reputation. They should have a satisfactory rating with the Better Business Bureau and be free of complaints.
You should probably avoid loans since you already have bad credit.
2006-11-09 17:51:25 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You need to find a lawyer to settle the ID theft issue and to point you in the right direction of resources for people like you. You should be able to find someone to work pro bono (for free). Your child may be eligible for some form of social security. I also suggest you visit your local churches, especially the Catholic church (Catholic Charities). You could consider suing your ex and his wife in civil court for damages due to the ID theft.
2006-11-09 14:31:22 · answer #6 · answered by Phoenix, Wise Guru 7 · 0⤊ 0⤋
www.crown.org
2006-11-11 05:58:30 · answer #7 · answered by Harvie Ruth 5 · 0⤊ 0⤋