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Posts Tagged ‘brother’

I am a 35 year old woman and I don’t work. No one would hire me because I haven’t been employed for several years now. I live with my father, her gf and their kids. I dont receive any governent support and financially depend on my dad and use credit cards. I have amassed a huge school loan (50K) since I went to graduate school as well. I just babysit my half sisters and brother but I don’t want this life anymore. My dad does care for me since he does want me to move out and find a nice and stable guy, so I feel pressured to do so, but deep down I have virtually zero interest in being in a relationship.

Sometimes I feel like ending it all, and I always cry in my sleep. I feel like I am a disappointment to my family. I just wish to find a good job so I can move out and be financially independent and debt free. I dont know what to do anymore I feel like I am stuck in a rut.

I guess I want advice on how to get out of this rut and start my life. Should I get a loan and move to the midwest and try my luck there in finding a job? Or join the military/army/marines/airforce/navy or anything in the gov’t that will forgive my school loans, but I think I’m too old for that.. Or do I have a chance to do that still?

I dont have any friends to talk about this so I appreciate any advice that you can give me. Thank you

I am re posting this question in the hopes of a few more answers….

Desperate…Credit Card Debt; Bankruptcy Law in Texas?
Ok, I am buried in credit card debt and medical bills and I really need some advice from someone who isn’t biased by trying to sell me their service.

I stopped making the payments on my cards in 2007, and my debt has since gone up over K.

I have looked into consolidation, but they want K a month which I can’t afford. I have already changed my financial habits and gotten rid of the majority of extras, but I still can’t afford it. From what I gather consolidation is only mildly better than bankruptcy.

I am now in the process of filing for bankruptcy to try to clear my name. In fact I have a meeting next week to finalize and file the paperwork. This is going to cost me roughly 00.

1. If I choose not to file bankruptcy, will my debt continue to be re-sold to collection agencies and continue to grow? Is there a limit to this or can they just keep twisting the knife??

2. I have been told that they will try to sue me,and I assume I would likely lose a second house that was willed to me, but what else can they take? What can they do if I sign the house into my brother’s name?

3. I know they can’t take my primary residence or my or my wife’s work vehicle, and I don’t have anything else other than my mom’s house. They can’t garnish my wages but I have been told they can take my tax return? Also, I was told that they could write it off and send me a 1099 that would make me responsible for the debt. Is this true?

4. I keep hearing these commercials about how Obama has changed the laws to help people in my situation, but I think they are just consolidation companies trying to scam me?

Can anyone please help me?

I can ask my lawyer but my lawyer stands to make 2000 so is she biased? I really want to know what happens if I don’t file bankruptcy or make any attempt to pay the debt. Will it continue to be re-sold to creditors and continue to grow? What happens if they write it off and hit me with a 1099?

I am 26 years old, and my brother is 21. I work, am single, and am fairly independent. My brother is working, lives with his girlfriend, and is struggling. He is always asking my parents for money, or others. At one point, due to my aunts maneuvering, my brother and I shared a phone line. Long story short, I was much younger, she got the phone for me as a gift, it was in her name, and i’ve kept up the line all this time. However, since it’s still in her name (working on changing that), she is able to make changes on it as she pleases. Well she decided to put my brother on my line, and this made us responsible for the bill together. Well, after almost 2 years of my brother not paying his phone bill like he was supposed to, me struggling to pay for his part and mine, my aunt having to pay his phone bill during the times he couldn’t or wouldn’t, we finally decided to have him removed from the phone line once his contract was up. Well, this was back in March. Today, I checked my phone bill for my cell, and it was high. I called and asked the company why it was high, and they informed me that on his very last bill, my brother went over his minutes by over 200 minutes, and there are around 90 something dollars worth of overage charges, in addition to his regular bill. I do not have that kind of extra money right now, and the bill is over 200 dollars.

My brother won’t answer his phone and won’t return my calls; he knows why I am calling. So naturally, I went to my mom and asked her to pay his bill. She asked me why, and I told her because her son owed the money, and he wasn’t going to pay it, and I couldn’t afford to pay his part and mine. My mom refused and said that it’s between us, and she’s not in it. I got upset because I feel like it’s her responsibility to pay because her son owes the bill. My mom got mad and said that she helps us all the time, but that this is between my brother and I, and we are grown, and we need to handle it. Who is right? If one sibling owes money or is in debt to another sibling, isn’t it the parent’s responsibility to take care of what’s owed to the other sibling, even if they are grown? My mom said it isn’t her responsibility and that she has nothing to do with it, and that we need to figure it out, but I said she does, since he’s her son, and he’s getting me into trouble. Now she’s mad at me, and my dad agrees with her. I am not a parent, and I am not trying to say my mom is responsible for our debts, but I just don’t understand why a parent would not intervene in this…even if we are grown. Parents, what would you do? Do you agree with my mom? Just because we’re grown, does that mean that she has nothing to do with it? After all, you never stop being a parent, no matter how old your children are, right? So why was it so wrong to suggest that my mom pays for her son’s debt to her daughter? In this case, shouldn’t she pay his part of the bill, because it would affect me if she doesn’t? I don’t want her to pay MY bill, I just want her to pay his, because he won’t. Who is right here? Am I wrong?
Sorry, might not have been clear. My aunt put my brother on my phone line, not my mom. My aunt made the decision to put him on the line, and I didn’t have a choice; I talked to my aunt, and she said she can’t help us. That’s why I went to my mom.

I am having really bad depression issues,
Mainly because I am financially in debt, and can’t afford my rent or bills for next month, and my hours at work got cut back bad.
And because of the fact that my mom and brother (only family of mine who live close by) hate my bf, which is putting a huge strain on our relationship, because he wants to be able for us all to get along, and yes he did do things that he shouldn’t of that made them mad, but not things they should be holding onto for months.
The car I drive is unregistered and the only person who can get it registered is my mom, but for some reason she just won’t do it, I even printed out the papers for her, and she lost them! I can’t drive the car once my baby is born if it is unregistered, and she just won’t help me. I have to have a car to get to work dr apps. Etc.. (it was my grandparents car, they both passed away, the trust is in my moms name, there for the car is technically hers).
Idk I’m so stressed out, and its getting harder and harder to deal with, I am never happy anymore, and I just want to sleep all day, I go to work and other then that stay home all the time, I don’t want to be around anyone including my family or boyfriend.
I want to be problem free before my baby is born so I can give her the best life possible, but it just seems like nothing is ever going to get better…..
Ok so my venting is done for now…..
What can I do to start making things better?
I want to be a happy mommy, and I don’t want all my energy to be consumed with my issues, because I know I will need it all for her.
Any advice please.

my brother has been doing his own business for the past years, and is not doing well, he does not want to end it and in a lot of debts, he does not go to his office for sometime now but insist that his business still in operation.he turns to gambling for big money but end up losing more and still keep finding people to invest or funds his company.
i had so many time ask him to wind up the business, get a job, paid all debt and start afresh but he say if he closed now, he loses big sum of money. Nobody in the family is able to get thru to him.

i actually enstranged from him for almost a year( i really pissed off, becoz we sold our house to clear his debts) , he himself never even give a phone call my parents since then.

Recently he called me up and saying he havind a very rough time and ask for a small amount of loan, but i do not agree and say if he want my help he can come back to my new house anytime ( i did so becoz my mother misses and worry about him too much) and yes he did come back after a month. and is only been a week and i think i’m losing it….

ok here are the point and what should i do? (B4 his financial crisis, he is a very resposible young man, why this is happening?)
1. i believes that his company is not in operation, even if it does, it must be in a very bad shape.
2. he gambled if he has the money (he also loses a lot in share market before) he just want big money now
3. few thousand dollars is not enough monthly salary for him and he rather sit in from of a computer keep posting for people to buy his company or asking for loan
4. he potentially will go to illegal money lender??!! i know…
5. he is turning into a loser who don’t want to get a job, just eat and sleep and everything is free.
6. OMG, can he still be saved??

I just don’t understand this person. He’s in his 40s. He dropped out of high school even though I’m told that he’s smart or was smart. He’s divorced with children. He is very religious – more than I realized b/c he actually defriended me. I don’t care. His older brother lent him a car and now the car has a problem. This guy is blaming his brother for the car trouble. His brother lent him money and got him out of some debt (child support missed payments). He won’t go back to school or get more training. He lost a job b/c he asked if they could cut his hours. They did alright. He seems to blame everyone else for his troubles. It’s surreal to me. Do you know anyone like this? — The DMV told him he needed a new license plate b/c his was unable to be read. He wouldn’t do it. — I see this kind of behavior in my step son. — It really does burn me b/c so unreachable. It’s so stupid. What’s the problem here really? — No one is perfect. No one has all of the answers. Your family is not out to get you. (maybe some are – but I know that we are not.)
The whole family has problems. Dysfunction. — My husband is the most reasonable that I’ve seen out of all of them. — He can be unreasonable initially but he does come around.
How do I get along with them? I’m kind of a what you see is what you get kind of person. — I don’t want to present a false face like some people do connected to this family. — They are all nice to your face but watch your back.
I don’t even know why I know all of this except that I do. — I don’t have a stake here. I just want to know how to get along with someone like this. B/c I’m not doing too well on my own.
That’s what it seems like Franco. — I’ll do what I can for my stepson. — He has his moments when I can reach him. — Other times – forget it – he doesn’t understand. He takes things too personally. It’s more than that too. I only see him part-time. — Some people are so funny in terms of how their attitudes and beliefs control them. They miss out on what is actually needed in my opinion.
I’ll give you a for instance. I was so close to getting my stepson on the log ride at the park. I told him that I would keep him safe and it was ok if he was scared. -His father ruined it b/c he strongly believed that children shouldn’t be coddled. — His family coddled his son so that’s what he needs to feel secure. Eventually he will grow out of it. I’m reasonably certain.

Ok I know this is going to sound really insensitive but let me explain why. My mother is in about 16k dollars in debt spread about different credit cards. My older brother used to help her out but now he’s short on cash. His car payments are late and he can barely help pay the rent. I work part time at a store so i don’t make much money but i help when i can. I am going to school but i feel like they take a toll on me. Now i know it seems like i’m abandoning them but I am not the one who put my mom in debt. It was her and my brother. He would use the credit cards even behind my mom’s back. I have hidden the credit cards from them. I try to have like a family meeting to discuss our spending and our incomes so that we can create a budget but they just come up with excuses like they are tired of working or something. I feel like I am the only responsible one in the house. My younger brother doesn’t work anymore and he bothers my mom for gas money too. That car is so that he can commute to school but he abuses that car and drives very far to hang out with friends. On top of that he drives his friends around like if he was a free taxi. So as you can see I am in a bit of a pickle here. I don’t want to move out and "abandon them" but what can I do? I am at the edge of the cliff. There is little possibility that my younger brother will get a job soon. The debt is overwhelming and I have things to pay for my own. (Car repairs, cell phone, etc). What should I do? Any advice is appreciated. Any judgment will be noted. 10 points to whoever gives the most reasonable solution. I know this was long and if you read all of this thank you.
I guess I should have added that my dad is useless scum that works whenever he feels like it and uses most of the money to buy beer. He helps out rarely.