Re: help..what to do?... SUCK IT UP!!!

Sorry for being this way, but your debts are not shit compared to
your salaries!!!!!!

Combined you make $6583 a month.

You need to sell the elaborate things you've bought with the credit
cards and pay them off. Sell your house and move into one cheaper.
Don't trade your cars in again to take a $6k hit each. What are you
both driving now ...... Mercedes?!!?!?!?

$500 a month to live on.......... WHAAAAAAAAAAAAAAAAAAA!!!!

The rest of us in here barely have $5 to live on a month.

The reason people file is because you've LOST your job and maybe have
a new job making 1/2 as much, medical reasons, etc.
YOU MAKE $79,000 A YEAR!!!!!!!!!!!!!!

I hope the Jugde smacks you up side your head.


People like you piss me off!!!!!!!!!!


--- In , "sampnik411"
wrote:
> I am really stuck and need some advice.
>
> My hubby and I have gotten in over our heads. Most of the damage is
> under my name and I joined a cccs service to try to square things
> away...
>
> here are the stats:
>
> me
> salary 52K
> cc debt 18K
> st loans 25K
> bad credit car loan 7K upside down, payment 488
>
> hubby
> salary 27K
> cc debt 6K
> motorcycle loan 6K
> car loan 6K upside down, payment 460
>
> MY CREDIT SCORE IS A 480! Hubby's is 550. I can't make all of our
> payments and live any sort of a life, we just keep getting in
> deeper. I am almost always late on my cccs payment, and my car
> payment runs a month behind, along with our cell phones and others.
> I try to keep my hubby pretty up to date since we will have to
count
> on his credit going forward. I could make all of the payments but
> would probably have something like $500 a month afterwards to live
> on ugh...
>
> My question is....since my credit is so poor that it will take
years
> and years to fix, would it make since for ME to file? I really
don't
> think both of us should...but if I could file and get rid of my car
> that I am hopelessly financed in and my credit card debt than I
> think there would be light at the end of the tunnel.
>
> Would bankruptcy be much different in it's effects than credit
> counseling with a score of 480?
>
> We have a house with maybe 15K of equity, 5K in 401K that loans are
> maxed out on and no other assets.....
>
> I think I probably need to go see a lawyer but would love your
> comments.... also, does this sound like 7 or 13?
>
> Thanks
> sampnik