credit counseling?

[kcathometaz]

I have no money for credit counseling..I dont have the money to even pay the fees for my bank account records..20 dollars for the NOLO book might as well be 20 million...I will be out of gas in my car tomorrow...I just feel like ending my life...

[9877donna]

Since you live with your mom and her friend maybe you could ask them for some help? Maybe they will loan you the $30 to purchase this book and then after you file for BK you can pay them back the money you owe them?
Either that or look for Legal Aid in your area and they will help you.
Donna

[kcathometaz]

Thanks Donna..we are all broke here!...my mom and our friend we live with they are both on Social Security...hopefully I will have a job this week...I put in some applications...I got a hold of Legal Aid and they are going to at least try and get the garnishment (bank freeze) off my checking acccount.....I am just trying to take on the next 6 months all at once...I need to slow down...I just am a nervous wreck...

[NASCAR20FAN]

I have no money for credit counseling..I dont have the money to even pay the fees for my bank account records..20 dollars for the NOLO book might as well be 20 million...I will be out of gas in my car tomorrow...I just feel like ending my life...

I've been were you are now. Take advantage of everything you can. Your Pre-counseling should you no more than $50 depending on where you take it.

Here is some pricing for you:
http://bankruptcy.incharge.org/faq/p...ounseling.aspx $45

http://www.hcci-ks.org/BankruptcyCou...gPriceList.htm $25

Prices do very wildly, GOOLE it and see what you can up with. Also, if you are filing with a lawyer, they should have a list that they can provide you.

Don't give up on yourself... This is the time when the brains and talent god gave you will be the most use. If you need to talk, PM me and I'll listen

[confusedinVA]

Hello Kcath, I cant help you with coming up with the money. But, my husband and I used clearpoint Financial for our classes. In the Nolo Book it tells you that If you are below a certain income you can request that the fees for the classes be waived. It was for my husband and I. Im sure any of the places that offer the classes would do this as well. But you have to make sure that you ask about it, they will not volunteer that information.

[kcathometaz]

Ok I will try and not let this get to me so bad...I have had a bad 2 years and I just have had the crappiest luck...but it sounds corny but at least I don't have any physical health issues...life could be worse...thanks for the support you guys...

[quest4me]

Hi Kcath. Many of us had those kinds of feelings of despair and have had crappy situations also, but hang in there. But confusedinVA is right, there are some places that will waive the fee for special situations and the first thing you can do is just look around. Going through this process is all about baby steps, and yes, it can be trying. You have support here.

[lrprn]

Ok I will try and not let this get to me so bad...I have had a bad 2 years and I just have had the crappiest luck...but it sounds corny but at least I don't have any physical health issues...life could be worse...thanks for the support you guys...

If you need some quick cash, there's a temporary work organization called LaborReady - http://www.laborready.com/default.aspx . You go in the morning at 7 am and get assigned to a temporary manual labor job - stuff like cleaning construction sites, mopping floors in businesses, filing in an office, etc - that can last anywhere from a day to a week. The nice thing is that at the end of the day, you're paid what you earned that day. If your physical health is good, see if your town has LaborReady or another temporary work organization to get some quick cash for a day's work. That can help pay for the Nolo book plus get a tank of gas or two.

Hang in there - keep venting here as needed. Keep us posted on how things are going, ok?

[Interlaw]

I have no money for credit counseling..I dont have the money to even pay the fees for my bank account records..20 dollars for the NOLO book might as well be 20 million...I will be out of gas in my car tomorrow...I just feel like ending my life...

Credit counseling agencies are required to offer free counseling for folks who can't afford it. Check out www.hummingbirdcreditcounseling.org and freshstart.org.

Brett Weiss
[email protected]

https://www.brettweiss.com/bankruptcy

Maryland, DC and Federal bars
Member, National Association of Consumer Bankruptcy Attorneys

--> Read our Bankruptcy FAQ at www.brettweiss.com/bankruptcy/FAQ/br_faq.htmwww.brettweiss.com/faq/br_faq.htm.

************************************************** ***************
The Small Print: This response is for discussion purposes only.
It isn't meant to be legal advice and you shouldn't treat it as
such. If you want legal advice, speak with a local lawyer
familiar with your state's laws who can review *all* of the
facts and the law applicable to your situation.
************************************************** ***************

[kcathometaz]

Thanks Brett will do...I WISH they had a Labor Ready here...I live way...way out in the sticks...

[FilingOnMyOwn]

Labor Ready? Good Luck. Try 5.15 x 4 hrs = 20.60. After taxes for a 4 hour check would get you 16-17 dollars. Then they charge you to withdraw your 'paycheck' from their 'atm' $1 plus change. So as little as $15 can be your paycheck for the day. Trust me, I've tried it. You can spend $15 in gas just to drive to one of their jobsites and back, which they do not reimburse you for.

[lrprn]

Labor Ready? Good Luck. Try 5.15 x 4 hrs = 20.60. After taxes for a 4 hour check would get you 16-17 dollars. Then they charge you to withdraw your 'paycheck' from their 'atm' $1 plus change. So as little as $15 can be your paycheck for the day. Trust me, I've tried it. You can spend $15 in gas just to drive to one of their jobsites and back, which they do not reimburse you for.

Yes, I suppose this could happen in some circumstances. However, when our kids and their friends have used LaborReady here as a stop gap between jobs or just to pick up some extra cash during school vacations, they have typically come home with at least $45-50 clear every 8-hour day they worked. Perhaps that's due to the different areas of the country FOMO and I each live in?

[FilingOnMyOwn]

It depends on how many hours they offer you once to get to the site. Also, in my experience, most the jobs are under unsafe working conditions that they couldn't find anyone else that was willing to do the work. Simply not worth it for minimum wage.