Re: Dont know if should file now?

He's full of it, Erin. That's a common misconception spread about mostly by people who've never even consulted an attorney, let alone been through the process themselves. Your credit score will most likely improve after your discharged and especially after you clean up your credit reports. Most people are able to get a vehicle and even a mortgage within two to three years of filing. Some are immediately able to get a car after discharge but they may require a co-signer. Check out the book Credit After Bankruptcy by Stephen Snider. He tells how to clean up your credit, rebuild your credit, improve your scores, etc. Get a free consultation with an attorney...you'll see that there is life after bankruptcy.

P.

Erin wrote:
Well, I met up with a friend I havent seen in awhile and told them
what is going on in my life. When he found out I have decided to file
bankruptcy he went balistico on me and started to lecture me for 45
minutes on how I am irresponsible to be thinking of filing
bankruptcy. He kept telling me how I got myself into this mess and
should take some job at like McDonalds to pay my bills. I told him
working full time at McDonalds wont even pay my bills.

So he made me feel like the scum of the earth because I have no job,
and am contemplating bankruptcy. He told me I wont be able to ever
get any credit or anything for like 13 + years. I thought it was for
10?!?! Now I am confused what to do. I really think Im at the point
where bankruptcy is my only option. My credit is already shot (below
500). Its not like I want to lose my car. Its not like filing
bankruptcy sounds like a load of fun. I dont know what to do.

Should I ignore him? Thanks so much.

Erin