Bankruptcy is not something to be entered into lightly, nor something you "take advantage of." You make any mistakes and all of what you seek (relief from debts) will be denied. They will be looking at everything that this money is owed on... they may even insist that you sell that claw-grabbing-stuffed-animal machine that is in your home (isn't that like $1000 right there?).
Bankruptcy laws have changed and if you do go that route, the bankruptcy will remain on your record for 10 years (it's not 7 years anymore).
If you are a disabled veteran, then you probably have a pension or a compensation of some kind to help you financially. The $9/hour may sound small, but we do not have the entire picture of your numbers here.
If you truely want help, then we can best help you if you list your complete monthly income and your monthly expenses and any of the interest rates that are owed. If you truely want help then ask for that instead of posting in the angry way your original post reads.
If you are to get anywhere in this life, you have to stop picking on people or businesses to criticize... you have to stop trying to take-advantage of the situations you find yourself in.
Pick up the pieces, stop being angry, and continue forward with your life. Treat people the same way that you would want them to treat you.
If you work for $9/hour... what do you do? Are you completely exhausted at the end of your day? Is there a possibility of taking on more part-time work to supplement that income and pay back some of these debts?
Why pay back these debts? Because you promised to do so when you used the CC; you are a person of your word right? Corporate America did not create the debts; you did. The military did not create the debts; you did. We all pay the price for each and every other person that struggles. You pay taxes as well.
Post the numbers, the reality of your income and the reality of your expenses, and the reality of your debts (with interest rates) and maybe we can help you find a way to avoid bankruptcy altogether.
Last edited by Seeker : 03-20-2008 at 07:45 PM.
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