levels of stress ( Mom has MS, Father in law, Alzheimers, Mom in law, facing bankruptcy, brother in Iraq,other bro an active alcoholic,currently losing all he has worked for, I hav3 children,1 son w/ mild autism,a full time job teaching Spec.Ed to children with mulitiple disabilities and a family who does not understand why I am moody) My sis is an RN, who is accusing me of being bi polar or having some sort of mental problem because I am reacting to all of this stress, the holiday, work, and having a son who I LOVE, but who is extremely taxing in his demands and behavior. I researched bi polar disorder, and where I am moody I do not have the extreme highs and lows they speak of that run for days and weeks. When i feel overwhelmed, I say it, when i am tired, I react by getting irritable, when i am hurt or angry i cry, when I am happy I laugh. She says many have stresss, I should be able to handle it. When did it become not ok to express emotion or talk about problems. Am I sick?

My son was in an accident in 2005 and since then not only have I lost two jobs due to having to do treatments on him, but have had no insurance, lost two homes, was homeless for 10 months. It has been a nightmare. I have a permanent job finally but because my old address was a PO Box (homeless, remember?) the Post Office says by law they won’t forward my mail to my new address (I have an apartment now close to my job). That PO Box is 2 hours away and my car is having issues and I can’t make it there. Anyway, I am looking into bankruptcy but in the meantime want to see how to protect myself from wage garnishment. I am the head of the household and I did look at bfalliance.com and it only said federal laws applied in Tennessee to wage garnishment. Other states protect single Mom’s against this. Does anyone know anything at all that can help me here? I am at a loss. This black cloud just will not go away.

Ideally what was the law before,and what does it now state. Or any additions to it. Thanks for your help!

I am doing a speech on bankruptcy and I want to include our own experience with the new information. So for a speech that needs to be 4-7 minutes is there too much information? If not is it best to begin with my own experience or the laws and reasons people file bankruptcy?

I’m 54 and financialy below a rock. Been under dr. care and don’t know how long it will last. Have no medical insur. Just about homeless. What do I do at my age? There is no assisstance or good medical care for me. How did I get to this point? My husband left me for a younger woman. Filing bankruptcy, yet I still owe for college and some on my vehicle. Scared? Yes. This is how people become homeless in America. I dearly love this country, but feel the laws are going to kill me, physically (no extendended medical care) and financially. I, like others have just fallen in the crack in this society. It’s horrible! I am a good person and have worked through the years, and now I am at this point at my age. Very frightening! Anyone know a path I should take or any agencies I could contact for help?

I found out last night that I had a judgement filed against me from a law firm representing a debt collection agency. This was for a credit card that I had that went into collections. I never was served with the judgement and never received any paperwork about it. The judgement was entered in the Court of Com Pleas. As a result my bank account is frozen. I want to resolve this in the quickest way possible as I am in the process of adopting a child who will be coming to live with me in November.

I am wondering if you feel the best course of action would be to try to open the judgement since I was never served with the papers to get my bank account unfrozen and then try to negotiate with the law firm (Wolpoff & Abramson) that sued me and then go from there to try to negotiate down a payment OR would it be best to file bankruptcy and take care of this in that way. I have contacted some lawyers but I wanted advice from people on here. Other than that my financial situation is ok

Hello…Im 22 and live in Missouri I was wondering if any one has filled for bankruptcy and Is it that hard now w/ the new laws? I have $25,000 in debt and I only make $10.00 hour would that make me a good candidate to file?? Most of my bills are medical bills so dont think that Im a crazy credit card spender Im not.. Im just a girl who cant get a break…please be nice and tell me what I should expect Thank You!
thank you for your answers but I need to include that I have student loans and also a car payment….I have called the FA for the hospital and they worked out an arrange ment w/ me but I cant always afford it… My credit is already really really bad because of it.. I have a 2nd job and a roommate but its just never ever enough.. I think that Im still going to talk to an attorney.

Right now I have $150K of available credit through a variety of sources. My good credit score is about to be trashed because I can’t afford my mortgage reset after 5 years and there is negative equity in my home so I can’t refinance. Since my credit score will be destroyed can I cash out the $150K since the damage is already done? How long will it take for the debt to be discharged from my record? If I keep the cash in a box and don’t declare bankruptcy to say that I don’t have the cash, what is the worst that can happen to me?

One of 2 answers asked today who is on the note. Only the deceased mother-in-law is on note.
Here is original posting:
This is a follow up to question last week. I asked about quit claim on house with both wife’s and brother-in-law’s name on deed, although estate actually owns the property since mortgage taken out Sep 2003. House worth $75K, mortgage is $80K, thus no equity worth saving. As posted before, wife took on role of executrix to protect estate but mostly to keep brother-in-law off street, since he has no credit and spotty income. She would grant quit claim deed to him and he would declare bankruptcy (2nd time, 1st time a few years ago) and we’d be off the hook for the mortgage payments. As mentioned in 2nd response, we have considered renting but the property would require a lot of work to meet any potential tenant’s standards and we can’t maintain property from 45 miles away. Just curious if: 1) this will work and 2) does brother-in-law have to sign quit claim as well?

State is Wisconsin. Filing Chapter 7 bankruptcy individualy. Want to protect spouse that I no longer live with.