My ex skipped Texas to somewhere up north last month; no more child support and he was already behind on that. The AG is looking for him. Anyhow–this has left me to survive on my f/t slary alone, just enough to pay the basic nessities: home, Home improvement loan we lad gotten together which HAS to be paid or they’ll take the house; 2001 car and car ins. This leaves me about $99 for utilities, gas, food, and medicine for a family of4. My credit was shot to hell because he also left me with all the cc bills. So I am always turned down for refinancing/loans. Since my credit is already shot to hell, is it better to just wait things out until I get another better job with pay (i work shiftwork as it is) and I AM looking; or should I get a legal aid attny to help with bankruptcy so I keep my home? It it a modest hom, worth 67,000, but the Home I’mpro loan kicks up the cost big time. I owe $33,000 on my home and $35,000 on that loan. P/T jobs do not accept my avail hrs and only pay $7. Hr- I have spoken to Consumer Credit and they advised me to file bankruptcy and keep the house, as I checked into renting and here it is more $ than buying a house; or to hang tough and pay the essentials, which is what I have been doing. Either way, I will have bad credit for the next 4-7 yrs. I was just wondering if filing and keeping my home would be better for my credit than bad credit in pieces and parts. Thank all of you for your input; in the meantime still looking for a p/t job. I tried a bunch of places for loans but even the PAyday loans and the LAON SHARKS turned me down. God will provide. I was happy to learn… Bankruptcy will keep your home but then you are tied down to bankruptcy for the next 7 to 10 years. I did just that and it was a nightmare. I dismissed my own bankruptcy and have negotiated with all the creditors and the mortgage company myself. In the meantime after studying all the creditor laws I became a debt settlement negotiator. I just wanted to help people like you from the horror of the creditor world. There is many ways around what you are going through. I am also a Texan and this is one state they cannot do to much to damage to you,” just your credit. ” If it is already damaged there is only one way to go. Better it. It takes time but it can be done. I wish I could give you my contact info but I am not sure if that is OK with Yahoo. I will check into that. Hope this helps. Just be careful there are many debt settlement companies out there that will take you down. They are just out to make money not to really help people, in need of help. God Bless and let the lord lead you in the right directions. My website is www. Debtsettlementspecialistsllp. Com you can contact me through the website. I possible can come up with some work you can do from home in your free time for extra income if you have a phone and a computer.
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