Re: lost

Just joined this group this morning and read your messages. Take
heart, bankruptcy is NOT that overwhelming, I filed over 8 years ago
without an attorney and have not regreted it once. Since then, I've
done alot of research and became a Bankruptcy Petition Preparer.
I've helped thousands of people file their paperwork. Don't even
think of suicide just because you are in debt. There IS a way out
short of killing yourself. Please e-mail me @ strangersnor
and talk. I can help!

--- 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
> > >
> > >