Help Debts

Posts Tagged ‘mom’

My parents are going through a really bad divorce- actually, they divorced 5 years ago, now they’re still fighting. I now have anxiety and depression that I am trying to deal with, but they are to busy fighting to notice that my problems are really bad…. I mean my mom noticed that my mental health was crap now, but she said if I want it to be solved, I have to tell my dad cause he’s the one ruining my life.
Also, I can’t talk to my friends because all of my close friends don’t have divorced parents, and they say they are depressed or stuff when they have a teeny fight with their siblings. I live my life worrying if I will be okay, if my mom will abandon us or kill herself, if my dads money problems will ever get solved (+100 000$ debts), I am always holding back tears, I have become a lot less social, I used to be a straight A student and my grades are shooting down, border failing all of my classes.
I have a friend, she’s not my best friend, but one of my very close friends, and her mom offered that I could live with them. I know that I would be better suited there, that I could overcome my depression, and become more relaxed. Because right now the only time I feel truly happy is when I am with the horse I ride, and I am thinking about half-leasing him, but again, money problems mean that I can barely horseback ride once a week, so I would have to find the 300$ to half lease on my own.
So parents, my question is, how would you feel if your kid decided to go live with another family?

P.S: I am 15 years old, and I am not just a spoiled brat who did not get her way. Also, don’t tell me I need to go see a therapist, talking is overrated and I can handle my issues fine on my own.

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?

My dad is Romanian, and he’s the most controlling and judgemental person I ever met..
He is mad that I’m not married or have kids.
He doesn’t like my glasses, he thinks I should have short hair and doesn’t like it long, anytime I’m home he says "You need to go out and find a husband".. He gets mad if I have my hands in my coat pockets, he will judge my makeup, he gets mad when I hang out with my friend and says "Don’t hang out with girls, go find a man".. I mean he judges everything I do!

I work one job 40 hrs a week, and the other job I work about 15 hrs a week.. I want to move out, but need to pay off credit card debt and get it out of the way so I can afford rent..

Please give me all the advice you can, how can I make more money on top of working 2 jobs..

I want to move out and have my own life..

I give my parents 100 dollars a month, cause that’s all my mom wants.. But my dad says to me "you live for free here"..

i’m so sick of it!

How did you wives handle his constant coming and going from the house? Mine likes to stay at his mom’s. He is all stressed over finances and his post affair guilt. Says he wants to get us out of debt and work on him by seeing a shrink. Claims he is in no rush for "us" to repair our relationship. I’m starting to give up. MLC totally sucks! They are crazy little children who like to run away from responsibilities. I’m unemployed with 3 small kids. All he does is work and come and go. Then when he is home all he does is bitch and complain. HELP!!!!!! Oh and he loves to flip flop between divorce and staying together. No…that’s not emotional abuse at all……I just want to slap the shit out of him and tell him to wake up and be the 41 year old man he is!

And I mean, like \, not love. If it weren’t for them being related to you, would they be the type of people you like? If they hadn’t raised you, would you still respect them?

Me, no. My mom is kind of horrible. She’s mean to others, only likes things done her. She overreacts, she’s rash and headstrong. When she wants something, she goes for it no matter the consequences and how it affects her family. She’s materialistic, vain, she cheats, she’s unfaithful and respects no one. She is unappreciative. She can’t handle her money, even though she does well, she’s always in debt because she’s a rash spender.
She’s authoritative, even when it makes no sense. She never apologizes, she never admits when she does wrong.
She’s also really old school, and strict and goes overboard. She is conniving, she likes talking behind people’s backs.

My dad is nice, but too meek and shy. Probably because of years of my mom saying how useless, incompetent, less of a man he is.

I cant stand her

If this question bores or annoys you, please just close it out. Otherwise, i really am looking for what you would do. Thank you!

Lets say you won ten million and you wanted to give 1 million to your bf of 10 years (more like best friends but he’s done a lot for me) but he said he’s going to take it and go to New Hampshire. Lets say you were planning to go to your dream California but he said he didn’t want to go there. Would you give him the 1 million? I just feel it’s bitter-sweet, to come into wealth and your bff leaves if you share a chunk of it with him. I mean he might have helped me out a total worth maybe 15g. I think if he’s going to leave, I’m not going to give him 1 million even though he calls me selfish. I feel that 1 million is for someone who is going to remain in my life for now, now move somewhere else right now, otherwise I’ll give him 100 grand or something. Is this fair? What would you do?.

Also if you have time, what to do about his family? The parents had a daughter that did some illegal acts in hurting the other sibling. She tried to blame me to the sibling and the parents kept their mouth shut even though thy knew she was behind it. In the end, the other sibling found out the truth. Long ago, they gave me a place to stay when I was poor. Now I feel bitter-sweet towards them. I am thankful of the past but I think it was really crappy how they let me be scapegoated for their daughter’s crime for awhile. I feel it almost evens everything out. At most I wanted to just pay off their debts and that’s it. I thought to give them 11 grand each, the most you can give without them having to report it and have to pay taxes but I’m not sure I should even do this. Lets say just before I won, my bf lost his job and his mom wouldn’t help us with any bills because she wishes we’d move back home so her son would be close to her again. She’s nice on the surface but I feel it’s selfish in the end. What would you do?
Well, it’s not buying a friend. I’d give 100 grand anyways but I was thinking we’d go to Cali together and I’d give him 250g to enjoy out there. If he’s going to choose a long distance relationship and move to another state, I don’t feel that is commitment to the relationship and abandoning me for money (that I gave him). So thank you, from you say, I think I’d give him 100g and monthly installments as long as we’re together. If I break up at some point and he still wants to go to New Hampshire and he was good, I’ll give him the rest lump sum.

As for his parent, on one hand i want to share my $ with people who once helped me but after I recently found out they scapegoated me to protect their criminal sibling, I feel angry but don’t want to be petty or greedy but I think it’s a big enough slap in the face but they are telling my bf that I’m cruel and selfish not to give them $ so it was that guilt since I’m sensitive. But reading what you said, I think paying off their debt is enough a
BTW thank you. Just hearing some other opinion outside of this makes me feel better and see more clearly the answer I couldn’t see lost in my own thoughts.

& of course I’d invest BUT I did want to share with some family and loved ones.

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.