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Debts and bankruptcy from divorce

Posted: Mon May 16, 2011 11:44 am
by Mabell
I am a newly divorced and single mother of 2 children ages 10 and 11. I make decent money but in today's trying economy it is hard to stay afloat. I have been trying to get a second job in the evenings but with my 8am to 5pm work scheduled it is a little difficult. I
worked 2 jobs for 3 years so I am no stranger to hard work and long hours.
However, last Sept I decided I finally needed to spend more time with the
children. I have recently cleaned up most if not all of my debt by filing
Chapter 7 Bankruptcy. I recently divorced the children's father. And so now that
I have almost gotten over the mountain I am faced with one final step that I
cannot seem to get past. I am behind on April and May rent and possibly facing
eviction. I do not have any savings and all the money that has been coming in
has been going right back out to try and finalize the last of the bankruptcy and
divorce. Now, I have no idea what to do. ??? I have contacted several of the
organizations here in Springfield and they all tell me the same thing- that they
are completely out of funding for rental assistance. I think that this is
incredibly bogus. I mean the government I'm sure does not give very much to
these organizations but to be completely out of funding by May is totally
unacceptable. So, in my case, a woman that works 40 hours a week, pays her bills
and has simply fallen behind I am left without any help.... I'm scared and I
need some help. I don't receive food stamps because I make too much, I can't get
a loan because of my bankruptcy and the no collateral issue, so what do I do????
Who can help me just pay 2 months, heck one month of rent just to help me get
back on track. Please help, I really have exhausted all efforts. Thank you and
God Bless.

Re: Debts and bankruptcy from divorce

Posted: Fri May 20, 2011 12:51 am
by Admin
Have you ever heard of a credit card hardship program? What this program is when a credit card company, such as Citibank, Bank of America, etc. will help the customer reduce their debts through modifications, interest rate reductions, or other options or solutions. Usually people look into these before filing bankruptcy, but it is never too late, as a hardship program may always be able to help those in need. Each credit card issuer will offer their own terms, but the bottom line is you can save substantially using a hardship program. Get more information from http://needhelppayingbills.com/html/cre ... grams.html
They are great for people who have historically paid their bills but are just going through a difficult period.


Mabell wrote:I am a newly divorced and single mother of 2 children ages 10 and 11. I make decent money but in today's trying economy it is hard to stay afloat. I have been trying to get a second job in the evenings but with my 8am to 5pm work scheduled it is a little difficult. I
worked 2 jobs for 3 years so I am no stranger to hard work and long hours.
However, last Sept I decided I finally needed to spend more time with the
children. I have recently cleaned up most if not all of my debt by filing
Chapter 7 Bankruptcy. I recently divorced the children's father. And so now that
I have almost gotten over the mountain I am faced with one final step that I
cannot seem to get past. I am behind on April and May rent and possibly facing
eviction. I do not have any savings and all the money that has been coming in
has been going right back out to try and finalize the last of the bankruptcy and
divorce. Now, I have no idea what to do. ??? I have contacted several of the
organizations here in Springfield and they all tell me the same thing- that they
are completely out of funding for rental assistance. I think that this is
incredibly bogus. I mean the government I'm sure does not give very much to
these organizations but to be completely out of funding by May is totally
unacceptable. So, in my case, a woman that works 40 hours a week, pays her bills
and has simply fallen behind I am left without any help.... I'm scared and I
need some help. I don't receive food stamps because I make too much, I can't get
a loan because of my bankruptcy and the no collateral issue, so what do I do????
Who can help me just pay 2 months, heck one month of rent just to help me get
back on track. Please help, I really have exhausted all efforts. Thank you and
God Bless.

Re: Debts and bankruptcy from divorce

Posted: Wed Aug 03, 2011 9:46 am
by Admin
Not sure of your income, but maybe look into free legal advice to answer this question on home ownership/transfer. Many firms offer pro-bono (free) legal aid even for items like divorces and home title transfer. Here is a listing of free legal programs by state. Select your state to get phone numbers and names of law firms that cover your area/state.
amrusha wrote:How would I transfer house to my name upon divorce? My husband & I bought a house 1 year ago. The title and mortgage under both names. He moved out to live with another woman, but agreed to divorce and let me have the house. We haven't filed for divorce yet. I am concern about the house. Can I transfer the title and mortgage under my name? When will I do that, before divorce or after? I have 13 year-old daughter from my previous marriage.Please advise.

Re: Debts and bankruptcy from divorce

Posted: Thu Sep 27, 2012 10:27 am
by J Becket
Hi, my utilities are off now. I was under bankruptcy from a divorce and I had utilities under it about 4 years ago and now I am under SSI and can not pay my bankruptcy because they went up to high on payment. Now its to much because of my income. I start paying I myself and the 1600 hit my bill and now my light are off and its starting to get cold and i have no water now. I live in Knoxville TN. I cant spend time with my granddaughter and she think i just don’t care about her.

Re: Debts and bankruptcy from divorce

Posted: Tue Nov 12, 2013 11:40 am
by Greeny
HI!
I am a single MOM, getting ready to file Bankruptcy on debt that was occurred from my marriage, and some recent bills too. My lawyer will be filling hopefully Friday or Monday. But, I am late this month on my rent, which is due on the 1st. The rent is $1075.00 a month, he charges $10.00 per day if it past the first. I thought it was the 10th of the month, but he has advised me no. I m am a real jam this month. Between all the money I put in my car and credit card debts, and I just cannot do it this month and he is not been very nice, the total for this month is $1375.00 and next month is due on the 1st$ for 1075.00 . My lease is up in December. I am looking for a place closer to work, and affordable, but I in process of bankruptcy, so that may make it difficult. Please get back to me ASAP!! Please leave voice mail message This is urgent!!

Re: Debts and bankruptcy from divorce

Posted: Thu Mar 20, 2014 2:25 pm
by Osborne
Hi , I do not have anywhere to turn to for help. Things are bad and I don’t want to keep dealing with this anymore. I am deep in debt it is hard to pay bills. I am divorced and it is hard to keep a roof over my head. I need legal help now and can not pay for it. I need a way to get medical help, I just want to find someone that will listen and try to help before I lose all hope.

Re: Debts and bankruptcy from divorce

Posted: Sat Jan 06, 2018 7:52 pm
by engine
Husband lost his job of 6 years, we divorced too and having trouble getting unemployment until he finds work. Been a month now and my electric, water bill due plus have no insurance. We have credit card debt still from the bankruptcy and I need prescriptions but don't got money to see my doctor. We need help with several things or we will become homeless. He has always worked and we have always paid for our bills and food etc.