united states bankruptcy
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Financial Problems
Asked by C.A. from Wichita
on May 12, 2009
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My husbands grandma suggested that I file bankruptcy. I am hesitant because of the major affect on your credit. One of my other friends did debt consolidation so maybe...
Answers
- You said husband. That means you two would need to file together. When he married you, he married your debt as well. There are implications both ways (to file or not t...
- Good Morning C., yes dear it is a mess but a relatively small one considering. Budgets are very hard but doable. We just this month paid off a credit card that had rea...
- I dont think you have enough to file for bankruptcy. You could try, but I think you need more debt. Not that you should get anymore. Unfortunately, the rent thing, ...
Do I Need a Lawyer
Asked by J.S. from Appleton
on April 30, 2009
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My husband took out A LOT of loans (for work purposes) over a course of 2 1/2 yrs without my knowing by claiming unmarried or using work info so that I wouldn't receiv...
Answers
- Hi J., I would for sure contact an attorney. I know they are expensive, but you could be very close to having your own wages garnished, or from having a lien put on...
- Sorry to hear of your problems. I am currently in Dave Ramsey's Financial Peace University and one of the things he teaches is how to handle creditors and debt collect...
- You should definitely consult an attorney. Sounds like a bankruptcy attorney would be a good place to start. I am a BKY atty in MN and I know that most of us will gi...
Creditors Have Increased My Interest So Much I Can No Longer Afford to Make Pymt
Asked by K.M. from San Francisco
on September 3, 2009
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I am a single mother of 2 and I bought a new refrigerator about 1 1/2 years ago and I never missed a payment or made a late payment and one day Home Depot called me up...
Answers
- K., many people have gone through this situation, our household has been affected as well. I have read somewhere that new laws were passed that banks are not allowed t...
- Join the rest of us. The United States is a mess and no relief is in sight. What you can do is call the companies, ask for the supervisor and try to get the interest r...
- Well, if you don't need to buy a car or a house in the next 7 years, (probably more like 9) you can completely ignore them and never ever pay them. They will hassle yo...
Need to Relocate and Sell House Fast, Mineral Rights.
Asked by M.S. from Dallas
on August 4, 2011
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My husband and I are thinking about relocating within the next month or so and are needing to sell our house. My question is regarding to what would be best to do. Re...
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- I realize you are under the gun and this is comparing apples and oranges. But about 10 years ago we were looking at great house and some land. We did NOT buy it ...
- If it sounds too good to be true, it probably is... Those companies prey on those who are desperate. Of course they don't give a fair price. If you have any extra ...
- They do NOT give a fair price. Mineral rights are something that should NEVER be sold. I would get a lawyer and seperate the house and mineral rights. Did you realiz...
Is Anyone Else Sad That Borders Books Is Closing?
Asked by C.B. from Los Angeles
on July 23, 2011
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I know this sounds like a really weird post, especially since I normally don't care about stores or have any particular allegiances to brands or anything (other than T...
Answers
- I'm sad also. Borders was a fun place to browse and they had a good clearance section. Ours has a coffee shop attached to it so I would buy a book and then have some...
- It is not surprising, though... People download books now. I use the library. I love books, but I can't afford to purchase them. I did use our Borders to get the exam...
- Aw, you are not alone, I am sad too. =( I order lots of books from Borders and was trying to order some last night and that's when I found out they are closing the ...
Any Experience with Vonage for Phone Service
Asked by T.S. from Dallas
on May 7, 2008
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Does anyone have Vonage phone service? We are currently with AT&T with the unlimited long distance plan for $50+ per month. Vonage advertises $24.99 per month for sam...
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- We have been with Vonage for over 3 years now and are VERY happy with it. Yes, you can be on the phone and internet at the same time, but it cannot be used with a trad...
- I have had vonage for over a year with no real problems. Yes, you can use the phone and the internet at the same time. So far we have been happy with switching to Von...
- I was a skeptic, but after rave reviews from several people we know, we switched to Vonage about 8 months ago and are very pleased! We all of the features we were payi...
Cheering to Let People die?...new question...Choosing to Let People Die?
Asked by R.S. from San Antonio
on September 16, 2011
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I think you have to look at this from the other end as well...this debate is do we as a society allow people who can't afford health insurance die...but you have to lo...
Answers
- First of all, people don't have to hypothesize about what would happen, because so many countries already do this. They cut medical costs and pay higher taxes, but th...
- Health care rationing is an uncomplicated reality in most advanced nations that offer health care for all citizens. And the citizens of those nations recognize the rea...
- The govt. can't even manage its' already bloated programs...I don't want my health in their hands. The govt. should focus more on letting me keep more of my househ...
How to Reduce Debt
Asked by P.H. from Louisville
on August 13, 2008
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Has anyone ever called the credit card company and made a deal to pay it off for a lesser amount? I have been told it can be done, but am not sure if it really works....
Answers
- Hey, I'm a credit counselor (non-profit) and there are many cc companies who will accept a lesser amount. There are a lot of ways to reduce your debt quicker than you...
- P. I don't know about paying the cc co off although I have heard of that. Here is a good one to call: Dave Ramsey's Office 1749 Mallory Ln Ste 100, Brentwood, TN...
- My best friend did that and they worked with her. Well some of them did and some didn't, but doesn't hurt to try. Good Luck.
Struggling Single Mom. How Do I Manage?
Asked by N.F. from Kansas City
on July 30, 2010
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Three years ago i gave birth to my beautiful daughter who was born at 27 weeks. She did very well than expected, she will be turning 3yrs on the 2nd of August and even...
Answers
- I read your plea and wanted to get on here and encourage you and give you my suggestions. I was so pleasantly surprised that many others offered the exact advice that...
- catholic charities doesn't ask questions, they help. WIC is relatively easy to get, i know couples who both work and have two kids and are on it. and i know that the s...
- In addition to the GREAT ideas below, you could start a small garden. Since you are in an apt. you can put them in individual pots. Seeds are super cheap and I have ...
"Stop Coddling the Super-rich"
Asked by A.M. from San Francisco
on August 16, 2011
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Excerpt from an article by Warren Buffett in today's paper, titled the above:
"While the poor and middle class fight for us in Afghanistan, and while most American...
Answers
- if the middle and lower income class didnt have to pay almost half their income to taxes, there would be less WIC, less FOODSTAMPS, less WELFARE....we are on WIC and f...
- I could not agree with you more, Rosebud. I am apalled that middle class people could support those who agree that the billionaires and multi millionaires of this worl...
- Actually everyone does not pay taxes. Many people have taxes withheld - but that doesn't mean they don't get them back at the end of the year. Everyone pays SS & Med...
