file bankruptcy

I just need to get this done! Err! I have credit card debt, with tons of snowballed interest that I can’t pay, and I just want to get a clean slate. I don’t care if it ruins my credit, I just want to get out of debt and I’ll build up my credit later!! And No More Credit Cards! Ever!

(puts on Suze Orman voice) DEE-NIED!!!!!!!

Just discovered that I have been denied health insurance.

So, I cannot file for bankruptcy without health insurance because I need to have that option in the event that something bad happens to me health-wise.

So I move to apply to the state-funded health insurance programs that cover the poor rejects. Smartly, my parents did not claim me as a dependent this year, so that makes my small income from last year ($6000ish) well within the income limits. But I believe there is one aspect of eligibility I dont currently have, and this is that applicants, from what I understand, need to have been without health insurance for four months. So I can apply for this program in late August.

If I get a tax refund and am accepted for new health insurance, I should be able to file bankruptcy.

Otherwise I have to wait to get some more money on top of the refund and wait until I have health insurance, which would likely have to come from state assistance.

Because I dont have enough money to file papers saying I dont have money to pay for anything.

oh god the irony…or is that a catch-22?

cries

http://www.43things.com/things/view/1975608/get-my-4-year-degree-from-the-u-of-m

I have fought for 10 years against filing bankruptcy. as i have spent a good portion of my life helping other avoid bankruptcy, i have realized that there are times when you just have to surrender. Even if i were to obtain a good paying career at this point, it would take almost 8 years to clear my current debt. This is the point of my surrender.

We already had an initial meeting with a lawyer. The next meeting has to wait till we get our tax refund. Oh. Next step: gather paper work needed.

im 23 and ready 2 file bankruptcy. im over 12000 n da hole. i want to get on with my life especially my finances and my credit.

It may sound like the easy way out but it really isn’t and I’m taking it regardless! I know I have to save up or even get on a payment plan to do so. Most bankruptcy in my city are in the $1k range. I just want it to be over and the funny part is, I used to be a collector…go figure and my old company is now one of my collectors…lol! I find myself asking…”does ‘such and such’ still work there? Oh, tell her I said hi, btw…I ain’t paying ya”

There should be some type of finance class in high school and not the economics crap they teach you just to pass a test on balancing a checkbook but something really more thorough that prepares people for the real world! Spending 8 hours a day in school is definitely good preparation for entering the work field but someone please tell me how to make money and keep it!

I’ve met and retained an attorney, and I’ve been working on the ‘homework’ packet. Meanwhile I never filed my taxes for 2005 and 2006 and I need those filed before I can file BK! This whole process is so tedious and time-consuming, but step by step I’m finally getting there. Called H&R block to set up an appointment so I’m one baby step closer!

I need to save $400 for the lawyer, and then I can get the ball rolling. Bye-bye medical bills, creditors calling at all hours of the day, threatening letters… my god, I can’t wait. And I have a budget and a plan already worked out for after the filing, to make sure that I avoid the mistakes that got me into this mess in the first place.

wow.. two years ago I became free of the stress of debt. It has humbled me in more ways that I ever thought. I am glad I have done this to have a clean start. Its just trying to not repeat the same mistakes.:/