Help Debts

Posts Tagged ‘car accident’

Im 25 yrs old and with 2 kids anf one on the way. I love my family and try to enjoy every moment with them, But when life gets hard and bills need to be payed and you dont have the money, how do you handle being able to still enjoy your family and life. im a christain and have alot fo faith in the lord but its so hard to feep focus when all these people calling for money that i dont have. This month I got in a car accident so had to take two weeks off without pay so that got me into debt, Im never broke to where i can tget my rent, but now iam how do you guys handle these type of trials?? I would really appricate you answers… Sometimes I ask the lord to make me a winner on the lotto lol…

I refinanced my house through Ocwen in 2002 just before a major surgery to help with cost that I knew I would incur during the no work time. They told me one thing on the phone and when it came to signing, the paper work was nothing like what they offered me on the phone, but at the time is was only one week before surgery so I went ahead and signed. Since then I struggled and finally last year I was able to pay off my 2nd mortgage and all credit cards. The only bill left was the mortgage, since I paid off my vehicle the year before. November of last year I was in a bad car accident that totaled my vehicle. After receiving the check from the insurance company I purchased a used 2008 Dodge Advenger for 15,000 with 6,500 down on a 36 month loan. (Trying to stay debt free). Well December comes in and on the 2nd I was informed that layoffs would begin that week and sure enough two days later I got the call not to come in. This was a big surprise, since my company received records profits just the quarter before. Anyway I feel really bad, but I just cannot handle the mortgage payments anymore and I have tried everything to get the mortgage company to do something. They say I do not make enough for them to be able to help me. I am currently spending three hundred every month more than I am bringing in. My savings is now gone and starting to use credit cards again. And at this point I have a good chance of getting a job outside of Michigan, but if I do get the Obama modification I have to stay here with no hope of a job. Things just look worse at my company each month.
Will I be able to keep the car even though there is some equity in it? And can I let the house go this way with no reprecussions? I feel bad, but I also feel they took advantage of me when I was in a bad situation. And I have had the house on the market for over three years with not even a glimmer of hope. Thanks in advance for any and all advice. For those who like to talk down about people that file bankruptcy I pray you never find yourself in this situation. Current situation:

House owed 99,500 value about 105,000
Car owed 7,000 value about 15,000 (kbb)

I’m 22 years old. I have no job and still live with my parents. I have tried to get a job yet nothing turns up in my favor. Strong possibility it’s because I’m in debt and also because I don’t try as hard and often as I should to look for employment.

My mom constantly tells me to get a job and help out with bills and stuff. I don’t have a problem with that and I don’t feel that I’m a lazy person. Well, I’ll admit that I may be lazy when it comes to actually looking for a job but around the house I clean a lot and take care of the pets. So it’s not like I do absolutely nothing to help out while I live off of my parents for free.

Currently, I’m just so tired of looking for a job. What’s the point anymore? I want to be independent but right now that’s not happening. I’ve had 4 jobs before so I know what it’s like to work hard. I’ve been to college and held a part time job at the same time which was the toughest thing to me I’ve ever done. No sleep barely and barely ever ate anything. Almost got in a car accident because I was driving while so sleepy. But I had to go to work…even if it killed me. Lol.

Anyway, I’m having a difficult time. Right now, I’m happy and content in my life. Could I be doing better? Of course but I’m not and I’m tired of thriving on the negative. I hear get a job from my mom, dad and brother. And my brother is 17 years old and has not even had his first job yet. My mom forced me to get a job when I was 16.

I definitely have issues with my brother getting away with not being scolded at for not having a job but I do. But I’m 22 and that is understandable but I feel like my parents focus all their attention on me. I’ve always had negative feelings towards my brother when we were younger. He got away with not doing anything to help around the house but I never did. It frustrates me and I been feeling that I want to give up. I don’t care anymore, about a job, about being independent, about what anyone thinks of me.

But I would like advice on how to motivate myself to become independent. I am planning to go back to school. So hopefully this opportunity will help me and my dilemma. But no matter how hard I try what if I still can’t find a job? I wonder would my parents get to the point of kicking me out if I don’t eventually find a job?

My mom always tells me that it is important for a young lady to be independent and I agree with her. But it’s just not happening for me and I’m sad because my parents think of me as lazy. I want to do all the right things and make them happy and proud of me but I easily get so discouraged my feelings hurt.

So what’s a girl like me to do?

I’m 22 years old. I have no job and still live with my parents. I have tried to get a job yet nothing turns up in my favor. Strong possibility it’s because I’m in debt and also because I don’t try as hard and often as I should to look for employment.

My mom constantly tells me to get a job and help out with bills and stuff. I don’t have a problem with that and I don’t feel that I’m a lazy person. Well, I’ll admit that I may be lazy when it comes to actually looking for a job but around the house I clean a lot and take care of the pets. So it’s not like I do absolutely nothing to help out while I live off of my parents for free.

Currently, I’m just so tired of looking for a job. What’s the point anymore? I want to be independent but right now that’s not happening. I’ve had 4 jobs before so I know what it’s like to work hard. I’ve been to college and held a part time job at the same time which was the toughest thing to me I’ve ever done. No sleep barely and barely ever ate anything. Almost got in a car accident because I was driving while so sleepy. But I had to go to work…even if it killed me. Lol.

Anyway, I’m having a difficult time. Right now, I’m happy and content in my life. Could I be doing better? Of course but I’m not and I’m tired of thriving on the negative. I hear get a job from my mom, dad and brother. And my brother is 17 years old and has not even had his first job yet. My mom forced me to get a job when I was 16.

I definitely have issues with my brother getting away with not being scolded at for not having a job but I do. But I’m 22 and that is understandable but I feel like my parents focus all their attention on me. I’ve always had negative feelings towards my brother when we were younger. He got away with not doing anything to help around the house but I never did. It frustrates me and I been feeling that I want to give up. I don’t care anymore, about a job, about being independent, about what anyone thinks of me.

But I would like advice on how to motivate myself to become independent. I am planning to go back to school. So hopefully this opportunity will help me and my dilemma. But no matter how hard I try what if I still can’t find a job? I wonder would my parents get to the point of kicking me out if I don’t eventually find a job?

My mom always tells me that it is important for a young lady to be independent and I agree with her. But it’s just not happening for me and I’m sad because my parents think of me as lazy. I want to do all the right things and make them happy and proud of me but I easily get so discouraged my feelings hurt.

So what’s a girl like me to do?