Re: lost

Hi, I don't even know what "unsecured debt" is. I remember the
website having a section about bankruptcy terms, should probably go
and check that section out. Just got overwhelmed before getting
there.

Thanks.

I'm going to my therapist this morning, then my support group, then
I'll check out the yellow pages, LOL!

Sierrah

--- In , "ronnakay"
wrote:
> I am no expert but I think talking to a lawyer would be a good
idea.
> Get your free consultation. I don't know how much you have but
mine
> was all unsecured debt. I just signed my paperwork yesterday.
From
> the first visit the lawyer helped to put my mind at ease. They
> helped me through the process. No it isn't over yet for me so who
> knows what will come up (the lawyer said likely nothing) but I
don't
> think you have anything to lose with a free consultation! I also
> found the website a bit overwhelming, but it is just information
you
> are trying to read. An actual human sitting across from you who is
a
> professional and can answer your questions is much better. Even if
> you decide not to use a lawyer and file yourself the consultation
is
> still free from most bankruptcy lawyers.
>
> --- In , "Sierrah"
> wrote:
> > 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
> > > >
> > > >