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Debt Consolidation Forums Bankruptcy Chapter 7 and Chapter 13 forums

I can't decide what to do about my DEBT! Help!!!!!!!!!!!!

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I don't want my family/friends/work to see my name in the paper if I file BK. Is there any way around this? I have 40k in credit cards. Can't make min payments anymore. If I file BK in a different County, then would it not appear in the County I live in? I would do settlement but have 9 accounts and can't risk them calling me at work. I also think that BK will be less expensive for me and will not hurt my credit much more than settlement. Please help as I'm about to go crazy!!




Welcome to the board! Please know you are NOT alone!! I also would bet that many of the folks you work with and probably some of your friends and family are in the same boat and they too don't want to tell anyone....I find the more folks I talk to the more I see that none of us are alone. Hold tight someone folks will be along shortly to offer up some ideas for you. Reny

Sub: #1 posted on Sun, 08/31/2008 - 15:22

lmale lmale

(Posts: 742 | Credits: )

I am sure if I post this and it is incorrect I hope that someone corrects me :roll: but I think you have to file in the county that you live in.

Sub: #2 posted on Sun, 08/31/2008 - 16:00

ladybug ladybug

(Posts: 2757 | Credits: )

I had the exact same fears. What really stinks is my boss loves reading that section of the paper! It is sad to say but there are so many people filing right now, your name may not even get noticed.

I changed my work # to my cell # before I stopped paying my creditors and never had them call my work #. The problem is, years ago I had put my mom on an application as a reference and guess what??? They called her a few weeks ago looking for me and she found out about my debt that way.

I know it is probably driving you crazy right now. It is a lot of stress to deal with. Keep looking on this forum and read the good, the bad and the ugly on all your options. You will find the best route for you. I did. :)

Sub: #3 posted on Sun, 08/31/2008 - 18:48

girlndebt girlndebt

(Posts: 151 | Credits: )

I had a friend file for divorce in another County but not sure about BK.

Sub: #4 posted on Sun, 08/31/2008 - 19:24

Unregistered


BK is a federal court action and is filed in federal court. Some papers follow the bk filings and print them. That's just the way it is.

Sub: #5 posted on Sun, 08/31/2008 - 20:11

Unregistered


I have good credit but way too much debt what kind of loan can I get to pay on payment, on rate is 14% can afford a $700 payment, just want low rates

Sub: #6 posted on Tue, 09/02/2008 - 19:46

Unregistered


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