way off topic but

Seriously? The advice regarding nutrition and fitness isn't always on topic nor accurate. And you're asking about personal bankruptcy? I think you'd be very well advised to take that post to another forum off this site. Mods? Are you there?

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

Seriously? This section is called "Chit-chat, fun, and games" which means anything subject can be posted.

FYI, I typed Chit-chat, fun, and games slowly so you could read along and grasp it's meaning.

Seriously? The advice regarding nutrition and fitness isn't always on topic nor accurate. And you're asking about personal bankruptcy? I think you'd be very well advised to take that post to another forum off this site. Mods? Are you there?

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

Seriously? This section is called "Chit-chat, fun, and games" which means anything subject can be posted.

FYI, I typed Chit-chat, fun, and games slowly so you could read along and grasp it's meaning.

I FREAKING LOVE YOU! :laugh: :smooched:

To the OP: I would do all you can to avoid filing. Talk to all your creditors and try to work out a payment plan - most will work with you.


Bankruptcy will follow you for a minimum of seven years. Google the laws in your state.

^^^THIS!!

So, I've got this brain tumor, how should I treat it? Sorry folks, better resources than here for advice on this...just sayin'...

Seriously? The advice regarding nutrition and fitness isn't always on topic nor accurate. And you're asking about personal bankruptcy? I think you'd be very well advised to take that post to another forum off this site. Mods? Are you there?

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

Seriously? This section is called "Chit-chat, fun, and games" which means anything subject can be posted.

FYI, I typed Chit-chat, fun, and games slowly so you could read along and grasp it's meaning.

The brain tumor explains the lack of empathy. IJS.

seems she was asking personal opinions. Seeing as there are SO many people here, I dont see why it's a bad place for advice.

If you notice he doesnt show his face. Sorry couldn't resist.

No...not chastising...telling them to go somewhere else for advice is good advice. If you're contemplating Personal BK, a website like this isn't your best resource. I could have just as easily typed, YES, go file now, it's great way to escape your obligations. Seriously, dude do her a favor, and get her to the RIGHT resource...and don't pretend MFP is a good place to get financial advice.

So, I've got this brain tumor, how should I treat it? Sorry folks, better resources than here for advice on this...just sayin'...

Seriously? The advice regarding nutrition and fitness isn't always on topic nor accurate. And you're asking about personal bankruptcy? I think you'd be very well advised to take that post to another forum off this site. Mods? Are you there?

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

Seriously? This section is called "Chit-chat, fun, and games" which means anything subject can be posted.

FYI, I typed Chit-chat, fun, and games slowly so you could read along and grasp it's meaning.

So you feel the need to chastise someone asking for advice? Especially something sensitive a subject like that? Just move on.

Yeah, I hear you about there being better resources out there, but the tone of your initial response was snotty and condescending. Like, did you have to say "seriously?" or "Mods?" like the OP is stupid or something. If you want to suggest that the OP consult a financial advisor for the best advice, then do that. And use a civil tone. But that's not what you wanted to convey and you know it.

i love you. that is all

I hate to come in with background on this subject, but I worked for a few years in collections at Bank of America. My best answer would be: "Do what you think is right for you."

That said, a lot of creditors are able to work with you. I regularly set up programs that were on the verge of being outside of Bank protocol to help people make reasonable monthly payments.

That said, make sure you look into credit counselling as opposed to debt settlement firm. In short, credit counselling will negotiate with your creditors to work out monthly payments for you. Debt settlement will collect payments that are "to be allocated to your debts" each month, not make the payments, and wait about six months or so and settle with your creditors while keeping the difference between the settlement total and what you paid to them.

Best of luck.
-wtk

No...not chastising...telling them to go somewhere else for advice is good advice. If you're contemplating Personal BK, a website like this isn't your best resource. I could have just as easily typed, YES, go file now, it's great way to escape your obligations. Seriously, dude do her a favor, and get her to the RIGHT resource...and don't pretend MFP is a good place to get financial advice.

So, I've got this brain tumor, how should I treat it? Sorry folks, better resources than here for advice on this...just sayin'...

Seriously? The advice regarding nutrition and fitness isn't always on topic nor accurate. And you're asking about personal bankruptcy? I think you'd be very well advised to take that post to another forum off this site. Mods? Are you there?

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

Seriously? This section is called "Chit-chat, fun, and games" which means anything subject can be posted.

FYI, I typed Chit-chat, fun, and games slowly so you could read along and grasp it's meaning.

So you feel the need to chastise someone asking for advice? Especially something sensitive a subject like that? Just move on.

Not a good place to get medical, legal or marital advice, but sometimes a person might just need to open up a little communication on a subject. Sometimes they just need to hear themselves think. I don't think there should be a problem with that.

Now go work out.

I like how that dude said, "Mods, are you there??" Like she was talking something x-rated :laugh:

Leave to you to try and turn it pervy.

Really. Great place to look for advice on bankruptcy. Everyone on here knows a little about everything. Most won't say what they really feel, but they will give you a bunch of warm fuzzies. (Better?)

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

I post things in the Chit Chat forum that don't deal with weight loss all of the time. There's a reason it's called Chit-chat, fun, and games. There are other boards for weight loss advice. I thought this website was about being supportive of eachother, and I don't think it should just be about weight loss either.

OP I agree with PP that it is something you should decide if it is right for you. But you should also look at all avenues, such as debt counseling, before filing for bankruptcy. I know where you are coming from, it has taken me 5 years to pay my way out of my debt. But I think it was worth it more than filing for bankruptcy would be because it shows lenders that even though it might not have been on time, I paid my stuff off.

Is that too warm fuzzyish for you NowGoWorkOut?

Really. Great place to look for advice on bankruptcy. Everyone on here knows a little about everything. Most won't say what they really feel, but they will give you a bunch of warm fuzzies. (Better?)

Has anyone ever filed bankruptcy..if so how has it affected you and your credit?1

Really, I think the OP was looking for experiences from people who has filed Bankruptcy not advice. Again as others said the tone can make a world of difference. As my dad always said, "If you don't have anything good to say then don't say it"

^^^^^^ that post make me laugh! :laugh: :laugh:

Really. Great place to look for advice on bankruptcy. Everyone on here knows a little about everything. Most won't say what they really feel, but they will give you a bunch of warm fuzzies. (Better?)

It's a VERY WELL KNOWN FACT that bankruptcy lawyers or financial specialists NEVER have weight issues and would CLEARLY not be on or need a website like this!!

You are all right, I was wrong not to simply chime in with my opinion on bankruptcy. It's fine to ask for opinions and advice on here...and I should have thought through it. This was placed in the right area for such topics, and I should have just given my thoughts on it, nothing more.

So, on the topic of bankruptcy, here are my thoughts. Bankruptcy should be reserved for entrpreneurs who try to add value to our GNP, and rare cases of medically induced BK, and not be relied on by people who simply live a lifestyle beyond their means (which has been estimated to be over 90% of people who file). Those that file BK because they wanted to keep up with the Jones' is the exact reason why our country is in such a financial quagmire. Filing BK is too easy in our day and age. Buy, buy, buy, then bail, bail, bail. Instead of filing, do something similar to what works in the fitness world...work harder, longer, etc until it hurts. Those that borrowed money need to have the financial responsibility to pay back their creditors, not simply to be able to escape their obligations. It was a promise to pay them back, so pay them back. Have the pride that our previous generations did, and do the right thing, not the easy thing.

You decide which camp you belong to in terms of if you have the ethical right to file, the 90% or the 10%. Myself, I've had both immense medical bills, as well as a business start-up that went bad, and a major business debt placement that went south with fraudulent startup capital on the books (i.e. ended being uncollateralized). And yes, it was a sincere ***** earning it back. But all the above were my choices, therefore my responsbility. But it was done.

So, thanks for everyone for helping me see this is a place for more than fitness, and helping people understand the merits of bankruptcy and personal responsibility as well.