Re: lost

I went to that website, and it was just really overwhelming to me. I
called all my credit cards and found out that there is $41,000 in my
name only, which my hubby is not responsible for.

As Bankruptcy seems so overwhelming, started considering suicide
again. My husband would not have to pay off those cards. Joined a
suicide group on Yahoo so as not to bother you all with that here!

I just don't know what to do. Maybe I'll try to find a free
consultation lawyer tomorrow.

Sierrah

--- In , "Sierrah"
wrote:
> Hi thanks Paula for the responses. I'm glad to hear I can file
> without damaging my hubby. I guess I should start calling my
credit
> cards and find out which ones are joint and which are just mine.
>
> I have one, AT&T Universal card, which had a 11%APR. Last January
I
> was one week late, yes one week late and this was the first time it
> had happened, I made them check. They raised my APR to 27.99% and
> said I'd agreed to that increase should I ever be late. The
balance
> is $10,700. So the finance charges are $246 a month and the
minimum
> due is $251. I've still made the monthly payment on time
everymonth
> since then. I called them and found out that my hubby is only an
> authorized user, that he is not responsible for the account if
> something were to happen to me.
>
> I had planned on using my inheritance to pay all this off, but my
mom
> says it could be another year. I think I'm just going to stop
paying
> this particular card, really I can't pay it whether I wanted to or
> not, but I guess the balance will keep increasing by $250 a month
in
> finance charges, plus late fees, then over the limit fees when I
> reach the limit which I can't remember what that is. It is scary
> that it could end up exceeding my inheritance by the time I get
it!
> I have 3 cards through Cambridge Credit Counseling, went there a
few
> years ago to get lower interest rates, wasn't behind or anything.
I
> called them to see about adding this ATand T card. They could get
> the APR reduced to 9.99% but my payment to them would go up due to
> their not for proffit fee, so I'd be sending ATT $278 a month
through
> Cambridge instead of $251. Although it would be better in the long
> run, I just can't do it.
>
> Well I'm gonna try to see about my other cards.
>
> SC
>
> --- In , Paula Ogden
> wrote:
> > Hi,
> > Welcome to the group!
> > "Can a married woman file for bankruptcy, without damaging her
> > husband?"
> >
> > Yes, as long as he's not a co-signer on the accounts, you can
file
> and it won't have any affect on him. If you file and you do have
> joint accounts, the creditors will turn around and go after him for
> payment.
> >
> > You need to check with an attorney about the inheritance issue.
I
> know that if you receive an inheritance within a certain amount of
> time of a bankruptcy, they can seize your inheritance to pay off
the
> creditors.
> >
> > A lot of us can relate to the job issue. My husband lost his job
> as a product engineer in January. He's now working as a shipping
and
> receiving supervisor for less than half of his previous pay.
> >
> > If I were you, I would see a few different attorneys and get a
free
> consultation. See what they recommend. If you are sure about the
> inheritance, you may be able to just stop paying on the credit card
> debt and then settle with the creditors later when you get your
> inheritance. Or check on the time line for inheritances...you may
be
> able to file now to discharge all the debt, then be able to keep
the
> entire inheritance if enough time has passed. Don't mention the
> inheritance to your creditors, of course, but see what an attorney
or
> two has to say. Here's a website Petra put together that can also
> answer more of your questions.
> >
> >
> >
> >
> >
> >
> >
> >
> >
> > P.
> >
> >
> > "When you get into a tight place and everything goes against you,
> till it seems as though you could not hang on a minute longer,
never
> give up then, for that is just the place and time that the tide
will
> turn." Harriet Beecher Stowe
> >
> >