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05.21.08, 18:33 PM General Topics
14 replies
has anyone had to declare bankruptcy? What were long term effects how did help initially? [ Reply | Watch | Flag ]
General Topics 05.21.08, 06:33 PM Flag
 

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Deadbeat [ Reply | More
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General Topics 05.21.08, 06:34 PM Flag
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whatever. real answers please [ Reply | More
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General Topics 05.21.08, 06:35 PM Flag
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This is my real answer. Unless something shocking and out of your control like widowed, deceased DH etc I just don't appreciate the rest of us having to pay for your debt. And FWIW, they changed the bankruptcy laws so its really hard to just dump your debt [ Reply | More
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General Topics 05.21.08, 06:39 PM Flag
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NP: omg why are you so angry? To OP: it's a lot harder to discharge debt in bankruptcy now. But you really need to talk to a credit counselor. They might find a way to work off the debt without bankruptcy [ Reply | More
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General Topics 05.21.08, 06:41 PM Flag
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Because I have always been careful fiscally, in good times and bad. SIL lived irresponsibly declared bankruptcy (before the law change) and POOF, all gone. That's why so angry [ Reply | More
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General Topics 05.21.08, 06:43 PM Flag
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NP o good for you "fiscally responsible". you sound like an ass. [ Reply | More
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General Topics 05.21.08, 06:47 PM Flag
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Well at least you've never faced a calamity. Think about an accident that would pile on the medical bills so high that you might never come out from under them. Think about a lot of things that you can't plan for. Maybe think outside your little world. [ Reply | More
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General Topics 05.21.08, 06:48 PM Flag
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^^ op YES to above. these people who judge have clearly never been through anything traumatic. They'll eat their words when something happens to them [ Reply | More
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General Topics 05.21.08, 06:52 PM Flag
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OP: thank you! [ Reply | More
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General Topics 05.21.08, 06:45 PM Flag
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Op: not meant for above OBVIOUSLY. For the legit, caring responses- thank you. [ Reply | More
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General Topics 05.21.08, 06:46 PM Flag
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you have know idea what i've been through so I don't "appreciate" insensitive , judgmental people like you. I'm sure there is a slew of names you could be called besides "deadbeat". Look in the mirror, you know what they are. [ Reply | More
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General Topics 05.21.08, 06:43 PM Flag
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know someone who did-this was before law changed. long term effects-tough to buy home later on. short term, got out of paying alimony to ex wife who left him for his best friend. [ Reply | More
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General Topics 05.21.08, 06:35 PM Flag
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not considering for that reason. have had illness and out of our control job circumstances force us into debt. What laws chanfed? Does it help you sort out taxes when you declare? [ Reply | More
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General Topics 05.21.08, 06:37 PM Flag
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law changed in 2004 or 2005 making it difficult to declare the bankcruptcy that wipes away debt-just restructures it. have to go through 6 mos of financial counseling first now, so may not even be able to declare it. [ Reply | More
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General Topics 05.21.08, 06:41 PM Flag
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