I’m extremely good at giving people advice on their personal problems, and very dedicated and compassionate, as well. Friends often turn to me for help, and I’ve helped more than one cope with serious difficulties. Yet, before I could start practicing as a clinical psychologist, I would have to go to school for five whole years and take on debt of thousands of dollars at least. What a waste, when I could start practicing effectively right now! I’m extremely well-versed in the Jewish religion and history, and very adept at building community and pastoral counseling. Debt yet to become a pulpit rabbi, I would have to go to school for 4 years and take on thousands of dollars into. What a waste! I’m very skilled at understanding the strategy of high finance and politics. Yet, to get a decent start in either, I need to work for free for a year, OR get a grad degree from a top school that costs $ 75,000 per year. I would end up with thousands of dollars in debt, and uncertain job prospects.
Okay well. . . yesterday was terrible and I have no idea what to do. My parents, my sister, and I are all in different states so this all has occurred over the phone. I got engaged last Thursday to a man I’ve been with for a year, and he’s everything I could want. We see life the same way, he makes me laugh, and we know how to work through problems. My family has only met him twice, but apparently they do not like him. My sister is the one who Introduced us. She said tonight that she knows he’s in debt (I have all of the passwords to his bank accounts and at 27 years old he has 30,000 in investments, owns a house, and has 15,000 in savings). He also makes 65.000 a year. Money is not important to me anyhow. But that kind of debunk their “he’s in debt” theory. Then my sister told me she cried because she did not think he was the guy I’d end up with. That made me feel great. . . . I honestly do not know what’s wrong with him. . . . I think he’s perfect and I love him so much. He’s never lied to me, he’s made good on every promise he’s ever made, and he has lifelong friends. (Unlike my sister’s husband, but that’s another story). My parents think I have not known him long enough. They heard the debt thing from my sister and my dad’s on this rampage that my fiance will not be able to take care of me. I’m graduating college and Saturday and want to move in with my fiance. He’s in the military and lives about seven hours away from me. We’ve been talking about moving in together for about six months now. My fiance is not concerned about me finding a job right away, and we know he makes enough money to support both of us. We just want to be together. He’s being deployed in about six months, and I want to live with him at this time. My parents are livid. I do not think I’ve done anything wrong, but I do not know what to do. My dad is an alcoholic who physically abuses my mom. And both of my parents have emotionally abused me my entire life. Throughout the year I’ve been with my fiance he’s urged me to go to counseling because of the effects my parents have had on me. In their twisted way I know that they care, I just feel like I’m old enough and smart enough to know what is best for me. My whole family is coming here for my college graduation this weekend. I do not know what to do. I’ve considered taking the ring off and just avoiding everything and acting like it did not happen, and then moving in with my fiance and cutting off my family What would you do? Please help!
My husband wants a divorce randomly. I do not but he gave me hell about signing I did not so, why bother him more to make him say mean stuff to me? He has not signed the papers but is quietly calling and asks for advice, says nothing makes him happy, and does not want to do this but “it’s too late” I told him it’s a lie Becase he never agreed to marriage counseling with me or even to continue his court ordered anger management! He told me new years day “I’m not ready for a relationship” as if we have not been married for the last year! We were both looking foreward to moving to his state but I had to finish my school semester here (paid for), and he wanted to see his grandparents for the holidays and my mom was making serious problems on top of it all How could I not understand? I had even talked with him new years eve and gave a speech over the phone how much I miss him and love him can hardly wait to start a new less stressful life out of California where we struggle to get by and both of us hated it here (now where I’m stuck until I get to a different university). I want to be with him I can not stop thinking about him and it tortures me that he felt like he needed to leave like this! I found a poem he wrote about feeling lonely but I think about how I was always asking him if he was alright and to talk to me and he was always “good” or “okay” and did not speak up He’s also bipolar and would not take his medication but for some reason he was getting in control before he left! Because he was planning to leave me he decided to pull it together? He admits to being there for him and my calling to tell me what his friends treat him like crap. . . Less than a week ago emailed me about his fantasies masturbating (and not about anyone specific, so not me either!) said he’s using his porn etc to get off but said he’s getting rid of it and if I wanted it. I said no, admitted to not being able to hear such things yet during our divorce and I asked him why he’s even getting rid of his stuff but he has not responded to my casual or emails. I love him more than anything, and miss him terribly I’ve apologized and I’m already better in a lot of the ways that used to bother him. Were both in debt now since he decided to share only a little here and there. I’m I’m debt $ 400 for car repairs to my mom and he’s at least $ 58,000 in debt to the hospital for him trying to kill himself (if I had not found him and gave him secretly seizuring he’d be dead and if I had not been at the hospital when he was unconscious except for him getting financial aid and covering BOTH our classes he wouldve woke up just as depressed, though he had been he could not Provide and depressed over money, I did not listen the night before like IShouldve because I never saw someone so upset about something we had so little control of (had to just wait on the above and school, his 2nd day of class what the next day, dependent on him getting money!) I don ‘ t get him. What could it be he’s not telling me? Please help! Is there anyway to convince him I know how to be there for him? To realize all I’ve shouldered to stay with him? He said things I said in months before arguments made him upset and that I can not forgive him but I have! I do not understand why he’s stopped doing this and to tell me he’s depressed and can not talk with anyone else he likes talking to me and trusts me. That he’s lonely! (yeah-he’s divorcing me!) any level-headed advice is I prefer not to hear “move on” because I can not unless there’s hope I will be with him in the future. And how Am I even supposed to let go right now? What are my chances of getting back the love of my life? sounds tragic but all the romance and love what more intense, I remember it and I’m sad to think he does not. Help please and thank you sooooo much!
So I’ve done some research and I know all of the consequences of walking away from credit card debt. But I am not sure what I should do. I know many people have asked this same question and were told to get credit counseling. I’ve also looked into that and most places charge a fee which i can not afford to pay. I’ve also looked into debt consolidation loans, which i am not eligible for. I’ve even called my credit card companies and asked for a lower interest rate and was denied. I can not afford to get an attorney. This is my situation. I was young and dumb got a bunch of credit cards. I think I have about $ 4.500 in credit card debt. I try to pay more then the minimum monthly payment but my interest rates have increased and I can not afford the monthly payments. I also have student loans and a bank loan that I pay on as well. Those loans are obviously more important then my credit cards. I pay on these cards and the balance never goes down. I do not even use the cards anymore, it does make a difference. Any HELPFUL suggestions or advice from personal experience is appreciated.
Okay, so my husband always handled the bills since the beginning of the 13 yr marriage. He let it get way out of control buying himself way too much. Now, after the credit debt is paid each month, there is no money left. I have not even looked at everything yet, but I know there is just btwn 40 to 50.000 in credit card debt. He is paying minimum payments, other bills are still getting paid, but I’m tired of handing him my checks (work full-time make 36k). He makes a little more than me but I Provide medical / dental so it evens out, but at the time he made some of the purchases, he had a 2nd job, Which was just for extra money to buy HIS HIS extra things. It seems things are more important than family. I do not add debt, I’m not a compulsive shopper like him. I do not want to be making him look rich while the kids and I do without. Should I cut my losses now, or is there a way to make him pay for his Overspending, etc. without affecting me, so I can feel like I’m in a partnership, and not just being taken advantage of. I really resent him for it. Is there any free credit counseling that will help consolidate, etc? Are there any other options?
I got laid off back in February. At that time I had a Considerable amount of credit card debt, now I’m up to over $ 63,000. 00th I was able to make the minimum payments on all my credit cards when I was employed, but since then I have struggled. I cashed my entire 401k to pay my bills and living expenses for my use, I have nothing now. Not a dime saved up I live off of $ 355th 00 a week from unemployment. My lease was up on my car a month ago, and I decided to buy it from the dealership because it was the cheapest option for me, only $ 160 a month, but had to get my father to be the primary signer on it, if he was not, no bank would of approved it because of my credit. I now have moved back in with my parents because living on my own to put me further in debt then I already was. Now that I used the money for rent and living expenses is available, I figured I’d settle my debt and start paying it back. Unfortunately, most settlement companies have declined me, (this is after I exhausted credit counseling and trying to negotiate with the credit card companies myself) and the companies that say it’s possible inform me that my payment would be at least $ 800 a month, for over 3 years. This, I can not do. My phone, two student loans, car, medical and auto insurance bill all value around $ 700 a month, leaving me able to afford at most another $ 700 a month, not including food and gas. I now realize that bankruptcy is my only option. My question is will my father wants to be involved since he is the primary signer for my car, (though the title is just in my name for insurance purposes) or can I just continue to pay the monthly bill for that and my other expenses and he be left out of it? (So ??he is a cosigner on one of my student loans). I keep reading stuff that in a chapter 7 some personal belongings are taken away from you, the thing is with me though, is that I do not have anything, I mean, absolutely nothing, except clothes, a laptop that i purchased a half A year ago, my phone, and i just bought this car, though I’m the cosigner on the bank loan for it. What can be taken away from me? Thank you in advance for your help, it’s greatly appreciated. and any sites that can lead me in the right direction to start this off would be wonderful, thanks again.
My friend has a house with some equity but she is deep in debt and does not want to do apply for gov. assistance. She borrowed money on a credit card but they pulled some things like not sending her a bill twice and raising her rates up to about 27%. anyway, she is going through an illness and other family problems and got to a point where she started paying very little then stopped. Now they want her to just pay it off & offerered producing 60% off None of us ever had debt so we do not know what to do. . . she can not get credit counseling of any kind because she is making no money So They will not help her. . . where can she get good advice. . . or she should borrow the money to pay off this card. . . . or oh, what happens if she does not pay it. . . any info. is appreciated. She is so stressed out I am worried about her help so please do not give an answer judging he for being stupid cause you do not know what happened. . . . if she pays the settlement will she have her credit ruined?. . . . what if she does not pay it. . . she had someone tell her she could have bad credit erased there is so much going on now. So, what role does that play Bankruptcy should she look into that and how does she cause she does not even have a lawyer or know anything about. Thanks. Actually she is, has so many problems that I have not mentioned so she could not have done anything and she has been in & out of the hospital for mental health reasons. So the bills have been hard for her to even think about. She has problems with other family members.
My school originally awarded federal direct unsubsidized loans me 2. One was for 6219 per semester The other was for 5970 by semesterI thus received the maximum of 8500 for subsidized loans. I have received official documents from the Department of Education Loan Services and the U.S. Department of Education for all of the aforementioned amounts. My school decided to then reverse these loans and then issue me a new one for 5028 per semester. I have NO previous student debt at all or any debt for that matter. My credit score is at 830th out of 812 I have NEVER been financially irresponsible. I did NOT submit any requests, either verbally or written, to modify my loans. I am receiving a scholarship for this year 36 000 (total) to help with living expenses. The total estimated cost to go to my school, with tuition, books, fees, transportation, food, health care (which is mandated), etc. is over 65000th With the original amounts, I would have been above the federal poverty line. With the new modified amounts, I will not be able to afford rent or basic needs as it will leave me with 14 000 for the remainder of the year to cover all extraneous expenses such as housing, food, clothing, utilities, transportation to and from school , campus, etc. It is cheaper to live off campus than to live on campus, Which I do live off. The maximum subsidized loans for EACH year for a graduate student is 8500th The maximum for unsubsidized loans EACH year for a graduate student is 20, 500 The total maximum for subsidized and unsubsidized for a graduate is 29000th http://www. DirectShow. ed gov / applying. html http: / / www. finaid. org / loans / studentloan. phtmlI am in my first year and have no previous debt. So therefore, I do not breach these rules and regulations and limits. I completed all of the counseling, applications, entrance, etc., in early April of 2011 (this year). My question is, can my school suddenly change my original awards (less than 72 hours before final payment is made (September 19, 2011) and place me in such a disposition? If so, why. If not, why not. Thank you for your time!!
When my husband and I were dating he had financial trouble but he told me it was his debt ex-wife’s irresponsible spending that drove him deep into. After we married I discovered he does his fair share of irresponsible spending too. He works 60-80 hours a week at a job for reasonable pay but the money is spent as soon as it hits the bank account. He has even started working a 2nd job but he has a lame story about how he has to wait six months to be paid. I think he’s spending the money and not telling me. He’s now taking out loans we can not afford to pay. He buys TVs and video game equipment and cars and guns that we can not afford. He is always working or out goofing off with his friends and he does not spend any time with the family. When he is home he is rude to me and he rarely plays with the kids. I have tried to take a more active role in the finances but even when we work out a budget he does not stick to it. I am a stay-at-home mom with my own fair share of debt from a previous marriage so I can not open a bank account in my name and I am financially dependent on him. I have tried to find a job on my own to pay the bills but I can not find a job that will pay for child care for our 2 young kids and he is never home to watch them. I do not want to get a divorce because I still love him and I hope that someday he will be willing to go to marriage counseling and improve on these issues but I do not want him to drag me further into debt with him. I live in Texas legal separation so there is no. Is there any other way to protect myself financially without going so far as to get a divorce?
Let me first start by saying that my wife is not the best communicator, and she usually prefers me to take charge and just do something. . . where my style is usually to discuss it and make a decision together. My wife and I split up two years ago. For the past year we have been dating and trying to make things work. There are quiet things that need working on, however last year I wrote a list of what was wrong and what needed to be fixed and looking over the list yesterday my wife had made huge improvements. I am about to lose my house. I lost my job and was unemployed for over a year during the break up My wife has mentioned that it did not make sense for me to pay rent somewhere when I could be contributing to the household. But, she did not actually ask me to move back in. We have also had some problems that have come up due to the fact that we are married, living separately yet. She wants me to help her around the house, however I have my own house and we have 50/50 custody of our son. Right now I am in a financial bind as I’m making half of what I made when we were together. When we married she had horrible debt and bad debt finances, when I had great and no finances. I know my wife will not ask me to move back in but she keeps hinting about it. I’m afraid that if I bring it up it may come back to bite me later. I’m also concerned about getting an apartment and being committed to a lease for a year because that could put our relationship in a holding pattern for a year. We’ve both discussed that there are some issues that can not be resolved in our marriage until we are living as a family again. Can someone please give me some advice on how to handle it. And please do not suggest counseling, because counseling will not work fast enough to help with this decision. For the record, I’m not considering moving back in with her because of my financial position. My financial position is the reason I’m cautious about moving back in. She is the one that mentioned that it would be a waste of money to pay rent elsewhere. And maybe I was not clear. . . I AM WORKING! I am working a job that pays commission and so far I’m making half of what I made during the marriage. So, I’m losing my house because I WAS unemployed for over a year and just started working again in May