declaring bankruptcy
 

need some help here. im in a ton of ---- and i cant seem to be able to get out of it. i have an income of about 1,100 each month working full time. school is coming up in January so ill have to cut my hours. i owe about 7k last time i added it up. i need some info of how to go about doing this w/o waisting a tone of money on lawyer fees and etc.

anyone have any info please share.

Re: declaring bankruptcy
 

You want to file bankruptcy because you're 7k in debt? That's nothing to be worried about unless you let it get out of hand.

Re: declaring bankruptcy
 

I laugh at this thread.

Laugh!

Re: declaring bankruptcy
 

dude your a ------- idiot if you want to file bankruptcy for 7K in debt, so stupid infact i dont see how you could even make it through the school you claim your going to be going to.

go talk to a bank about getting a personal loan for 7K to consolidate your debt. i have a loan out currently for 12K and i pay 315 a month.

your other option is suicide. you choose.

Re: declaring bankruptcy
 

Minimize your costs.

Walk/bike to work.
Eat ramen noodles.
Ditch the cell phone, cable, internet, etc.
Move to a cheaper place if possible.
Work 60-70 hours a week.
Sell your valuable stuff, if you have a $2k car sell it and buy a $500 one.

My guess is that you aren't trying very hard.

Re: declaring bankruptcy
 

cell phone and cable are the first to go. When I was going to school full time and doing side jobs to live all the cool stuff went out the window.

Re: declaring bankruptcy
 

+1 just the bare necessities :y

Re: declaring bankruptcy
 

I'd say overall I'm about $11k in debt right now, and I'm managing fine. I have rent, cell phone, internet, a gas guzzling truck, and I make less a month then you. How can you not manage $7k? that would be a walk in the park.

Re: declaring bankruptcy
 

I vote ------- kill yourself. You rack up debt and don't think you should pay for it? You're an -------. Good luck, they changed the bankruptcy laws. You are still reasonsible for all the money. Again, Kill Yourself.

Re: declaring bankruptcy
 

This thread is ------- comidey! :) You are okay if 7K is all you have to work with. I'm about $4,541.88 deep. It's not the end of the world. But feel free to kill yourself at any time. ;)