I am 24 years old and single with a g/f who I found out was pregnant about a week ago. We were planning to eventually get married and have a kid but not right now. Well we both live at home right now and she works a job at a pharmacy but has wacky hours and she usually only takes home about 150.00 a week after insurance deductions and her bills take most of her money monthly. I work about 50 hours a week and take home about 920.00 each and every two weeks. We are planning on trying to find somewhere to live her soon (4 months or less). But we have to deal with medical bills from the pregnancy and while I am going to do my best I know it is going to be hard. I have 5 accounts that are all unsecured creditors that are charged off. I dont care to explain how I got there but they are as follows.
Bank of America - 6,600.00
Sears - About 4300.00
MBNA - 3300.00
Overdraft protection account - 1800.00
Firestone Card (Automotive)- 300.00
Student Loan 5600- Current on payments
2nd student loan - About 12,000 and current on payments.
Cingular Cell phone - 45.00 a month and current
My vehicle- 250 and current
Also other expenses such as insurance, gas, food, and entertainment (Very Limited)
I need to do a bankruptcy but I am afraid of going through the process and most attorneys are about 1,000 plus the courts 399.00 fee. I dont have any assets except an old Ford Bronco II that is paid off but it is worthless as it is a play toy and not a daily driver. My current truct I owe about 11,000 on and after a wreck that included frame repair it is worth about 5,000 even though it was successfully repaired and has absolutley no problems after a year from repair.
I am debating on waiting till we move in together and that way I can claim things on the means test such as rent, utilities, and all the other expenses I can claim on the test but it will be hard to afford a lawyer and I am thinking of filing myself but am scared in a sense.
I am afraid right now and nervous about the next year with all of the new challenges but I at the same time cannot show these fears to her and make her nervous. I would like to hear what other peoples opinions here are since some of you guys and gals may of gone through an experience like this.
What should I do?
Bank of America - 6,600.00
Sears - About 4300.00
MBNA - 3300.00
Overdraft protection account - 1800.00
Firestone Card (Automotive)- 300.00
Student Loan 5600- Current on payments
2nd student loan - About 12,000 and current on payments.
Cingular Cell phone - 45.00 a month and current
My vehicle- 250 and current
Also other expenses such as insurance, gas, food, and entertainment (Very Limited)
I need to do a bankruptcy but I am afraid of going through the process and most attorneys are about 1,000 plus the courts 399.00 fee. I dont have any assets except an old Ford Bronco II that is paid off but it is worthless as it is a play toy and not a daily driver. My current truct I owe about 11,000 on and after a wreck that included frame repair it is worth about 5,000 even though it was successfully repaired and has absolutley no problems after a year from repair.
I am debating on waiting till we move in together and that way I can claim things on the means test such as rent, utilities, and all the other expenses I can claim on the test but it will be hard to afford a lawyer and I am thinking of filing myself but am scared in a sense.
I am afraid right now and nervous about the next year with all of the new challenges but I at the same time cannot show these fears to her and make her nervous. I would like to hear what other peoples opinions here are since some of you guys and gals may of gone through an experience like this.
What should I do?
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