35,0000 credit card debt, wanted to file bankrupcy..

Im a single widow, I own my home and its paid off. I wanted to file bankrupcy, but was told i cant, because i dont have a house payment. Do you have any other suggestions? I have 4 kids and having a hard time of making it today....

6 Answers

Call the credit counseling service or get help of a debt settlement company. Forget about bankruptcy. Try to settle the credit card debt. 


Two months behind on them now and havent tried settling them yet, I guess i will call credit counseling service....The credit card co. are calling my work  and asking for me, when they know im not there, they tell them im not there at that time....


Your assets outweigh your debt.  That's why you don't qualify.  Can you get a home equity loan and pay off the credit cards?  That would save you a bundle in finance charges and fees.  Are you currently in default on your cards?  Have you tried settling them?

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.

I already was to one, i get death benefits , i only work between 8 and 12 hrs a week right now because i had a hip replacement last june and he said my house is worth about 92,000, but it is pd in full.


Make an appointment with a bankrutpcy attorney.  You havent given us enough infomration to go on.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Supposed to be 35,000 in debt.....


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