Bankruptcy...how does it work? when would be the time to file it?

Question

i do not, nor have i ever, used credit cards. i do not use a bank. my husband has been out of work since november. he can not find anything that would support us and our two small children. we have hospital bills, outstanding power bills, cable bills, we have almost 16,000 worth of his student loans for college that he didn't ge to finish b/c he ran out of money and had to drop out. i got 2 tickets last month for not having insurance or a tag (it was at a mandatory checkpoint). i cant count all of our bills. he had a great job lined up to start on monday and we got a letter in the mail yesterday saying that his job offer has been withdrawn b/c of a bad driving record (2 tickets in the last 4 years). our tax refund, which would have been almost 6000 was taken from us by the dept. of education for his student loan. it would have gotten us back on our feet until he got a job. what do we do? i'm so depressed. we need help. we have food stamps and F.A. $245 per month - any advice would help

we have been relying on my family's help for rent and power payments...but their help and support is running out...i honestly dont know what to do.

Answer 1

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