Completely lost.. Advice needed.

[tisci]

I'm currently not making that amount because of my medical issues, I have made about $17000 this year so far. After taxes & all deductions, my biweekly pay for a full 80 hours is $870. I get severe migraines & the doctors are trying to find the correct combination of medications to both prevent them & to quickly stop them if I get them. I am stuck in bed when I get them. My last paycheck was $380. I will go a few weeks & be fine & then get them really bad. This has been happening on & off since January w/me going back & forth to the doc, having tests done & changing medications. It's not only affecting my job, it's messing up my life & I'm doing all I can to get them controlled so I can live & work normally again.

I also have a student loan ($80) & I do give my mother some money, about $110 a month. I also have monthly prescriptions for other medical conditions that I need to get monthly. I take out $213 every paycheck for a cash system to cover things like gas & my medication along w/groceries & any other necessities. I pay my mom rent & pay my student loan. With my paychecks not being typical, I'm having a hard time paying my minimums.

I don't tell everyone my business either. There are a few select people that I am able to confide in & none of them have been encouraging. I'm not sure where to turn at this point & was hoping to get some good advice on here.

[frogger]

And most people will never know that you went bankrupt. And if they do.... who cares?

[pookieny]

Walt Disney went bankrupt a few times too.

[whipster1]

"all I hear from people is how it's going to ruin my life."

First of all, don't tell everyone your personal business. BK is a business decision. You will get credit QUICKLY after BK. You would be surprised how many of your friends and neighbors have filed.

[OhioFiler]

I don't believe an application for employment has a space to indicate whether you have filed bankruptcy or not. Some indicate you are subject to a background and credit check. A bankruptcy only affects your employment chances in a few narrow industries or positions.

Bankruptcy will not ruin your future. Whoever you've heard that from are really ill-informed ignoramuses. Is GM ruined? Is Donald Trump ruined?

My concern for you is whether you have the expenses necessary to offset your $32,500 income in a Chapter 7 filing. If not, you become a Chapter 13 candidate and at that point I would consider other options before bankruptcy.

[StartingOver08]

Please post your details. If you are making $32,500 and have $17k in debt and have no rent, then something is wrong.

How long have you been sick? Is it a temporary condition?
Why do you have to move out in 6 months?

Please provide the details of your debt. Do you have a vehicle payment included in that $17k of debt? If we know more, maybe we can help you with suggestions for a plan to recover financially.

[tisci]

Hello all. I have been lurking on here for awhile & decided that I should post & get some advice. I'm obviously having some financial problems & am looking into bankruptcy. I don't want to file, but might not have a choice.

Right now I'm barely making enough money to pay my bills. I can't afford rent & am 25, living at home w/Mom. I have had some medical issues & have missed a god amount of work. It sometimes comes down to either paying a bill or getting a prescription filled. I was going to try to buckle down & pay all my debts off once my hours pick up again, but that will take me forever. I have about $17,000 in unsecured debt & when I'm at work full time, I make 32,500 before taxes. I was stupid & helped someone out who said they could pay me back & definitely learned my lesson there. Some of it is from when my car broke & I needed to repair it. Other is for necessities when I didn't have the cash to buy them.

I spoke to a lawyer who said I would qualify for Chapter 7. However, all I hear from people is how it's going to ruin my life. That I will never be able to get decent interest rates, get an apt & that I won't get a good job because once you put on an application that you have filed, you don't get hired. I worry about all of this so much, I literally make myself sick. I have about 6 more months before I have to move out & if I don't do something to get my bills resolved, I'm going to have no way to pay rent.

Thanks in advance to anyone who reads this & sorry it's so long.