this is copied and pasted from the general bk talk,so some may have already saw it but thought Id post it here too. I'll take all the help/advice I can get!
Just got served papers for court..m
Ok long story short. my husband and I filed ch 7 in 2001. 3months later he was diagnosed with pancreas cancer and he died in 10/03, I had 3 young children and of course really had no chance to recover after the BK with all that went on. in 06 I had to have open heart surgery, in 08 I nearly bled to death(on a blood thinner since the heart surgery) and had to quit my job to go back on state health insurance, since then where I worked has gone out of business. I live on the SS money that I get for having minor children since my husband died. its $1648 a month, not much and NOT enough to continue paying the credit cards so I stopped paying them 5/08 and have been trying to figure out what to do.
I am now going back to college with hopes of being able to get a good job. I was planning on filing bk again and have sworn off credit cards(about 10,000 in CCs and about $25,000 in medical because I had no insurance at where I used to work)..
What should I do? I obviously can not pay back what I owe for this CC(btw its capital one and I owe just over $3K on it. theres really no room for me to set up any sort of payments either because its just not there, I have a car payment/insurance/rent/lights/phone(home and cell) which are both at the minimum/I have a satellite which I could turn off,but we cant pick up a signal out here etc.. we never eat out, we buy store brand stuff, buy stuff off clearance and such and still are always strapped for $ barely getting by.
Do I rush out and find a lawyer who will let me start the process with a little scrapped up $ up front? will that take care of the court thing or would I still have to go? Do I go to court and claim judgement proof? then what?
helllllpppp
-grace
Just got served papers for court..m
Ok long story short. my husband and I filed ch 7 in 2001. 3months later he was diagnosed with pancreas cancer and he died in 10/03, I had 3 young children and of course really had no chance to recover after the BK with all that went on. in 06 I had to have open heart surgery, in 08 I nearly bled to death(on a blood thinner since the heart surgery) and had to quit my job to go back on state health insurance, since then where I worked has gone out of business. I live on the SS money that I get for having minor children since my husband died. its $1648 a month, not much and NOT enough to continue paying the credit cards so I stopped paying them 5/08 and have been trying to figure out what to do.
I am now going back to college with hopes of being able to get a good job. I was planning on filing bk again and have sworn off credit cards(about 10,000 in CCs and about $25,000 in medical because I had no insurance at where I used to work)..
What should I do? I obviously can not pay back what I owe for this CC(btw its capital one and I owe just over $3K on it. theres really no room for me to set up any sort of payments either because its just not there, I have a car payment/insurance/rent/lights/phone(home and cell) which are both at the minimum/I have a satellite which I could turn off,but we cant pick up a signal out here etc.. we never eat out, we buy store brand stuff, buy stuff off clearance and such and still are always strapped for $ barely getting by.
Do I rush out and find a lawyer who will let me start the process with a little scrapped up $ up front? will that take care of the court thing or would I still have to go? Do I go to court and claim judgement proof? then what?
helllllpppp
-grace
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