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BONNIEBONNEAU's Photo BONNIEBONNEAU SparkPoints: (29,357)
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8/22/13 5:41 A

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hi,
thank you so much for the info !!
on my day off, I will go on line to visit the site . I am thinking, that my bills , will not be any different - student loans ( and I contacted them to request a reduced interest rate - and they refused )
and the bank mortgage
I have a Lowes bill - that I think, is the only one that will be effected .I paid off the others, but ran out of money - trying to pay for everything that was dumped on me.
ty again !
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www.dixieinparis.com


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ANNROMICK's Photo ANNROMICK SparkPoints: (16,247)
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8/21/13 10:27 A

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Hi,

Yes I found an online practice, Prince Law Offices & Associates, and they are licensed in all 50 states, so I had preliminary conversation with them and there was no charge for that. So far they have been great, I have started paying the retainer. It really has been a struggle for me to take this step but a necessary one at this point in my life. Student loans are not discharged, I know because I have a big one that has been in forbearance because I cannot afford to make the payments, but the BKO will change that because it will free up funds to start making payments, I also believe that child support and the IRS cannot be included in a bankruptcy. Of course, I am not an attorney and so you really want to ask who ever you talk to.

Hope you have a great day!

Nesta, Wyoming

"I firmly believe that in every situation, no matter how difficult, God extends grace greater than the hardship and strength and peace of mind that can lead us to a place higher than where we were before" Andy Griffith


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BONNIEBONNEAU's Photo BONNIEBONNEAU SparkPoints: (29,357)
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8/21/13 6:01 A

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hi,
thank you for your post . I read that the main reason people file , is medical bills. I am trying to learn what bills are not discharged - so far , its student loans

ex left me with a big Lowes. & IRS & mortgage bills
did u have a free consult ? I would like that - did u use a website ?
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ty

www.dixieinparis.com


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ANNROMICK's Photo ANNROMICK SparkPoints: (16,247)
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8/19/13 11:16 A

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Yes, I have an ex-husband who put all of our bills into a paper bag under the kitchen sink, which I found after we had split up. I was really stupid and he convinced me to put everything like utilities etc. into my name and than he didn't pay them. I had to voluntarily take my car down and turn into the dealer because due to health reason I could not work at that time and he had not paid it in 4 months. It took me years to get those bills paid off but I did it.

However, now I am in the process of filing for bankruptcy. I was in an accident 9 months ago and am buried in medical bills. I did not have medical insurance and the hospital is refusing to accept my payment that I could make and so they are pretty much forcing me into it. I am a single mom and if they get a judgment and garnish my wages than we will not be able to survive. It was a really hard decision for me because I have always tried to pay my bills to the best of my ability. I do believe that bankruptcy should be one's last and only option. Too many people take that way out again and again during their life time. I have seen where people file every seven years like clock work, and I believe that is an abuse of the system. I do know that it will be on your credit report for 10 years. I would give anything to not have to file.
I think it is important to go into cautiously and with a full understanding as to what it will mean. There are many attorneys out there that will give you a free consultation and than you can decide if that is what will work for you.

Hope this was helpful.


Nesta, Wyoming

"I firmly believe that in every situation, no matter how difficult, God extends grace greater than the hardship and strength and peace of mind that can lead us to a place higher than where we were before" Andy Griffith


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BONNIEBONNEAU's Photo BONNIEBONNEAU SparkPoints: (29,357)
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8/19/13 5:52 A

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Has anyone been in a divorce, where the ex walked away from all bills, and now your ss number is listed for all the bills too ..thus everything is showing late . (ty ex)

is there any advantage to filing bankruptcy ??

ty
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www.dixieinparis.com


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