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BONNIEBONNEAU's Photo BONNIEBONNEAU SparkPoints: (29,116)
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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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ANNROMICK's Photo ANNROMICK SparkPoints: (10,690)
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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!

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BONNIEBONNEAU's Photo BONNIEBONNEAU SparkPoints: (29,116)
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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: (10,690)
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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.


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BONNIEBONNEAU's Photo BONNIEBONNEAU SparkPoints: (29,116)
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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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