Help! I don't know what to do!

[danohio2831]

you really neet to go get a few cosultations and get a few answers

if i were you i would not be as worried as you are

i would just learn, a lawyer would be able to give you insite to the law, and taxes

and you would know if you have a solid ground or not

and again, just go for the free consultaion, and ask what the fee would be, and were he thinks you sit as you are


this is a decent step tp take, and it would releive you of alot of stress

dan

[kcathometaz]

Thanks Dan....I am just a total wreck...I lost 2 jobs this month...sometimes I just feel like giving up...
Kevin

[BassBoy]

danohio is absolutely right about how much better you may feel after meeting with a few attorneys. My wife and I were a mess before we sat down with a few atorneys. Then, once we decided who the lucky winner was (LOL), it was like a very heavy weight being lifted of our shoulders. Kinda overwhelming.

[anonymuse]

Your local NAMI (nami.com) chapter may have free lawyers for those with mental illnesses. You should check to see if you qualify and get someone that you can talk with there for your depression.

[danohio2831]

Your local NAMI (nami.com) chapter may have free lawyers for those with mental illnesses. You should check to see if you qualify and get someone that you can talk with there for your depression.

dammit i wish i knew that, however thanks

i still need help and am looking into it

dan

[SinkingFast]

Slow down, KCath!!

Take some deep breaths. And relax.

Dan, BassBoy, and Anon have given you some very good advice.

Right now, from what you've said, it pretty much sounds like you're nearly judgement proof.

Your bank acct was frozen so you have no cash available. You don't own any property except an old car of little value. You don't currently have a job for a Creditor to garnish your wages.

Looking at it from the other side of the fence, I wouldn't come after you. To me, it would be $$$ spent on legal fees for nothing.

On the plus side for you,.......... You have a safe place to stay. You have food to eat. Your basic needs are being met. So for right now, you are physically OK.

Check locally to see if you have a Counseling Group, or a clinic you can use to address your depression. Try the link Anon posted to see if you can get some help that way. Take care of your health first.

Financial distress alone can be overwhelming for anyone. So let's just take this one step at a time.

[danohio2831]

Check locally to see if you have a Counseling Group, or a clinic you can use to address your depression. Try the link Anon posted to see if you can get some help that way. Take care of your health first.

Financial distress alone can be overwhelming for anyone. So let's just take this one step at a time.

do not be ashamed to admit a problem, i am looking for help also

i have a bipolar disorder and it caused 150,000 in spending on credit cards and a 60,000 second mortgage

but i am still in counceling and take my meds daily

if anyone has a depression problem, please seek help, i wasted alot of years not getting help, and almost lost my life, and threw my family's life out the door

[danohio2831]

seriously

i do not know what would happen with the judgment you were paying on, but the credit debt should not be a problem

on a scale of 1-10, 1 being the worse, i would rate you at a 8 with no problem

i spent 4000 on credit card 1 year befor i filed to fix my jeep, they did not have a problem, it was discharged


get a 6-7 $ a hr job, have fun till your bankruptcy is through
help mom with the house, and get help with your depression

dan

[danohio2831]

http://www.bankruptcyforum.com/showthread.php?t=6832

this is one of my first threads

i wanted to throw my 24,000 401k out the door and alot more

and know i am discharged, with a 24,000 401k and did not lose hardly anything,


my line of thinking was they would take everything to my kids toys

so just sleep on it, calm down and read over the forums

ok?

dan

[kcathometaz]

That money they froze....its all I had..and I went through hell down in Georgia just trying to go to work and not eating...and the dirty bastards took it because I just missed one payment...I am getting where I just hate everybody and everything...the world just doesnt seem liking its worth living in...I got a roof over my head so things could be worse but I have so much fear, rage, and depression...and I got to do all this bankruptcy stuff...it just feels like so much that I cant cope with it all...I do not feel like I EVER will get through this....