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Tag Archives: file bankruptcy

My Elderly Mother is Struggling in Credit Counseling. What About Bankruptcy? – Tracey

Sad Elderly Lady

“Dear Steve, My mother is 77 years of age. Her memory is no longer the best for her finances and she gets confused as to who gets paid what and how much. the debts, even though she doesn’t even use the cards but one walmart for groceries the interest rates and payments have gone over the roof so to speak. ... Read More »

Bankruptcy is the Best Thing That Ever Happened to Me

bankruptcy congratulations

During my first job interview after my bankruptcy, the interviewer asked me what I was “most proud of in my life.” Without hesitating, I stated “declaring bankruptcy!” His quizzical look invited me to explain. And I’ll share what I told him, in just a minute. First though, here’s a Pop Quiz for you: Was going bankrupt the worst thing or ... Read More »

Can I File Bankruptcy Without My Husband? – Penni

questions narrow

“Dear Damon, Bankrupt in 1997; back in the hole with massive credit card debt! We want to sell our home and buy a smaller one now that it’s only us two. He makes decent money, but we barely make ends meet and are starting to fall behind again. I’m wondering if I can file bankruptcy separately from my husband, or ... Read More »

You Literally Saved My Life and Financial Future. Thank You. – Steve

bankruptcy congratulations

“Dear Steve, I just wanted to say thank you as I owe you a debt of gratitude! My partner lost his job due to a health issue and has been unemployed for five years–I tried (in vain) to sustain my debts. I tried every resource to stay afloat. I quickly learned that there are resource to provide loans, payday loans, ... Read More »

Everything You Always Wanted and Needed to Know About Bankruptcy

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Below is my growing list of bankruptcy resources and links. If there is something that’s not addressed in one of those articles, guides, then feel free to ask me your question. Bankruptcy Articles and Posts You Must Read Click Here to Find a Bankruptcy Attorney in Your Area To get ready to read the information below with the right frame ... Read More »

Those With Cancer Nearly Three Times More Likely to File for Bankruptcy

Cancer patient versus non-cancer patient filing rates.

A recent study found adults diagnosed with cancer are 2.65 times more likely to file for bankruptcy while bankruptcy filings are as much as five times higher among your cancer patients. According to the study, led by Scott Ramsey, MD, PhD, an internist and health economist at the Fred Hutchinson Cancer Research Center in Seattle, Washington, between 1995 and 2009 ... Read More »

How Far Behind Do I Need to Be to File Bankruptcy? – Jay

middle age couple

“Dear Steve, Live in Colorado, it’s the usual situation where there have been cut backs at work (outsourcing rrrr) and we are we will begin to fall short on CC payments by our calculations. We estimate maybe $ 200 probably depending on the sequester and barring other fun surprises and stuff. I much do you have to be short a ... Read More »

How to Know if You Should File Bankruptcy

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If you are in financial trouble and struggling to make payments, tapped out, you’ve spent down savings, or living month-to-month, then bankruptcy is worth a good hard look. Below you will find a number of links to posts, articles, and calculators to help educate you about the realities of bankruptcy. Many people carry a lot of baggage around about what ... Read More »

Would Filing for Bankruptcy Be Best Thing for Us? – Mary

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“Dear Steve, We were in need of some money to pay our rent that we got behind on after our son died in 2011, when he passed he had no insurance and it was a struggle to come up with the money for his funeral. we have been struggling with all our bills after his death and have not been ... Read More »

Should I Declare Bankruptcy or Wait Four Years? – Lisa

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“Dear Steve, I used to make $140k, but then got divorced and lost my job. We had over $100k in credit card debt. My husband already declared BK but I haven’t for fear it would reduce my employability. My debt went delinquent 9/09 so I have already put in 3 years and they will fall off my credit in four ... Read More »

I Don’t Want to File Bankruptcy. I Think Bankruptcy is the Last Thing to Consider. – Lester

justball-144x125

“Dear Steve, I have been jobless for over 6 months now and have used up my savings to continually pay my credit card debts. My wife is the only one working right now. Since we have used up our savings we can no longer keep up to date with our monthly obligations from mortgage, credit cards and student loans, not ... Read More »

How to File Bankruptcy Yourself

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Here is an overview about how to file bankruptcy yourself and what to expect. Businesses must have a lawyer or attorney to register a bankruptcy case. Individuals, can, may represent themselves in bankruptcy court. While people can file a bankruptcy case without a attorney or “pro se,” it is seriously difficult to do it competently. It is particularly important that ... Read More »

Should We File Bankruptcy? – Rosi

justball-144x125

Currently, my husband and I are down to 1 income after I was laid off 3 years ago. We live in Southern california…where cost of living is high. Our annual salary is approx $45K. Due to my lack of work, and some bad spending choices over the years, we have accrued 50K in unsecured credit card debt. We at this ... Read More »

Can I File Bankruptcy for My Mother With Dementia? – Vincent

justball-144x125

“Dear Steve, Father passed away 10 years ago, mom getting very up in age (over 90) moved to florida after dad passed away to help mom out – live with her and we share expenses to make house run. I became my mom’s legal power of attorney and health care surrogate a few years ago because mom was developing dementia. ... Read More »

I Live in Arizona and Would Like to File Bankruptcy Myself. – Jodi

justball-144x125

“Dear Lewis, I foreclosed on my Condo. Paid $255k, and it auctioned off for 87k. Sad. I then lost my job which paid 68k per year. I’ve used up all my savings, all my 401k monies, have 3 months left on unemployment before I will have NO income to speak of except Food Stamps @ $200 per month. I currently ... Read More »

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