Help Debts

Posts Tagged ‘parents’

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.

we have a debt of ,000
i think it’s because both my parents did not work consistently… if they were fired from a job or something, it would take years to get another one… plus also they overspent sometimes… especially on food…

so my mom couldn’t handle it all anymore and left with my little brother to her mother’s…. half way across the world

there would always be fights between my parents and she said she needs to get away from it all

she wanted me and my sister to come too but we said we are not going to leave our dad all alone to pay off the debts

she thinks we’re choosing him over her, which is really not true… we’re just not the type of people to leave someone when they’re in trouble…

how can i make my mom understand that no one has the luxury to just run away from all the mess they’ve created?
she says that it’s all my dad’s fault, he’s THE HEAD OF THE HOUSE and it’s his responsibility to provide for the family… !
I’m 20 yrs old and my sister is 15
and it’s been 3 months now that we haven’t seen them

plus now she has all these problems with her heart and we have to be careful with what we say and do… she’s already been to the hospital while she was away
we cannot file for bankruptcy for reasons I cannot mention here

we have a debt of ,000
i think it’s because both my parents did not work consistently… if they were fired from a job or something, it would take years to get another one… plus also they overspent sometimes… especially on food…

so my mom couldn’t handle it all anymore and left with my little brother to her mother’s…. half way across the world

there would always be fights between my parents and she said she needs to get away from it all

she wanted me and my sister to come too but we said we are not going to leave our dad all alone to pay off the debts

she thinks we’re choosing him over her, which is really not true… we’re just not the type of people to leave someone when they’re in trouble…

how can i make my mom understand that no one has the luxury to just run away from all the mess they’ve created?
she says that it’s all my dad’s fault, he’s THE HEAD OF THE HOUSE and it’s his responsibility to provide for the family… !
I’m 20 yrs old and my sister is 15
and it’s been 3 months now that we haven’t seen them

plus now she has all these problems with her heart and we have to be careful with what we say and do… she’s already been to the hospital while she was away
we cannot file for bankruptcy for reasons I cannot mention here

we have a debt of ,000
i think it’s because both my parents did not work consistently… if they were fired from a job or something, it would take years to get another one… plus also they overspent sometimes… especially on food…

so my mom couldn’t handle it all anymore and left with my little brother to her mother’s…. half way across the world

there would always be fights between my parents and she said she needs to get away from it all

she wanted me and my sister to come too but we said we are not going to leave our dad all alone to pay off the debts

she thinks we’re choosing him over her, which is really not true… we’re just not the type of people to leave someone when they’re in trouble…

how can i make my mom understand that no one has the luxury to just run away from all the mess they’ve created?
she says that it’s all my dad’s fault, he’s THE HEAD OF THE HOUSE and it’s his responsibility to provide for the family… !
i’m 20 yrs old and my sister is 15
and it’s been 3 months now that we haven’t seen them

plus now she has all these problems with her heart and we have to be careful with what we say and do… she’s already been to the hospital while she was away
we cannot file for bankruptcy for reasons I cannot mention here

I’m 22 and I have a credit score of 578. There are some negatives accounts and only 1 positive account on my credit report. I first discovered this when I was 19, when I tried to get a small loan for tuition. Since then, I have been trying to get everything straighten out by talking with the people I supposely owed and NOTHING!! I would like to know is there anything I can do to repair my credit, so I’m able to qualify for a loan to buy a house. How did I get BAD CREDIT so young?? Well, I found out it first started when I was away in college. My sister (37 yrs old), got cable in my name and didn’t pay. It went to collection! She got phone & internet in my name, didn’t pay, and it went to collection! Also, she got a cato card in my name, used it and didn’t pay, and it also ended up in collection. And, an uncle got cable in my name, didn’t pay, and it went to collection! I think, my sister could have gotten all my information because truthfully I did stay with her for a year before I went off to college. As, for as my uncle he is suffering from M.S. and he does do reckless and crazy things. I spoke to my sister about this after finding out, and her response is every response in the book. She has had jobs, been involved in scams, and etc..But, has no desire to pay these collectors. I don’t want to take my sister to court but I don’t want to pay off things on my credit report that I didn’t get. At the moment, my parents are in debt because of my sister. She has gotten credit cards in my mother name and cable also. And, she hasn’t made a payment on a ,000.00 loan my dad got for her years ago. She has screwed our parents and even me! My dad says he can’t help me out, because my sister has made it harder for the rest of the siblings. So, I’m trying my best but I’ve been told it’s impossible, if I don’t take out papers on my sister for identity theft. I would do it, but my family is already broken up because of how she screwed my parents. I don’t wanna make it worser but I don’t want bad credit. My fiance and I, won’t to buy a home and get married in the future. But, our credit is holding us back! I have bad credit and he doesn’t have any credit at all! He would get a loan, but he’s never have anything and there are no loans for starters! Does anyone have any suggestions, as to what I can do?? I tried, talking to the collectors..Showing them proof and etc..That I was actually living somewhere else when this all happen..But, nothing!!! Again, I’m 22 and I’m pursing a Bachelors Degree in Psychology. I have a steady income and so does my fiance. Our bills (electric, cable, phone, internet, water, rent, car) are never late but ulities bills are not reported…So, those cannot be used in our favor! We are not able to obtain a small loan, mortage or a credit card, or etc…How can I prepare for my future if this is not handle!! Suggestions??
Also, the main reasons I don’t want to file charges against my sister..Is because she has already been convicted of a felony…She has served time *years* for drugs, drugs, and drugs. She has gotten busted over and over! When it comes to money, I see now she can be obsessed! At the moment, she is on probation again for drugs! Me and my parents, are trying our best to do what we can without purposely sending her back to prison for her children sake (the same kids my mom has raised)! But, if that’s what it takes to get us straight then it will need to be done….

My boyfriends parents absolutely HATE me. What do i do about this? If we’re on the phone, they find a lame excuse to interupt. If he’s coming home to visit me [hes 3 hours away with his dad helping him out with his back problems AND hes 23 and we've been together A WHILE], his dad tells him he doesn’t want him coming to visit me because he thinks ill abduct him! WTF! thats just nonsense! They are ruining our relationship and he knows it but they’re really helping him out financially as long as he helps his dad out. He isnt in debt but they’re helping him safe so when he comes home in a few weeks he can get an apartment and not have to live with his old roomates that screwed him over. How do i handle this?

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’m 20 and a junior Computer Engineering student and I was thinking it would be a good idea to work first in the field for a few years before thinking about Grad school. Thats what my parents suggested since they are helping me pay for my undergrad and I should hopefully be debt free but I don’t have enough for grad school as of yet. Also I heard jobs can help pay for grad school.

Also I am not sure if I would want a masters in Computer/Electrical Engineering or an MBA. I was thinking an MBA would work well with an engineering undergrad degree. What do you think? Anyone have past experience? Any advice?

Hi… Needing a little advice from experienced people with roommates.

I live with my sister, and she is paying back her debt of almost 3 thousands dollars to me until I can find a job by letting me get off with paying my share of the bills free. She is just about paid off, and i still can’t find a job, but that doesn’t mean I’m not busy looking, and going to school full time. Plus I do all the house cleaning. Yesterday her friends that are a couple together asked to move in the house, and agreed to only pay her a hundred dollars a month plus their own food. I of course didn’t feel like I had a say in the matter, but I feel she is going to get ripped off. The only reason they asked to move in is because they were living with his parents and they make them pay 300 a month and either of them have a job.

My sister doesn’t have a job either, and she told me today that I will probably be the only one working and going to school, so if I come home and are all laying around and the house is a mess then I don’t have a right to say anything because I’m not paying my share yet. Understood, but I’ll be the one cleaning too! What would you say to this, or do? I mean I really don’t have a choice in the matter, but I still feel p* ssed that I have to live with three complete bums!

I’ll be 23 in May, graduated with a finance degree, I have a job at a hedge fund backed by a billionaire business man (first job been here 6 mos). I dread the job, I do nothing all day, and when I do have work it’s pure data entry. If ever promoted, I’ll just be doing more data entry. Everyone says it’s a great opportunity but I see it holding me back. The job makes me feel flat out worthless. I’m very creative, innovative, and driven. And this job uses none of those talents. I want to wake up and enjoy what I do, not dread the day ahead of me.

I’ve created a product and I want to start producing it and sell it. I feel with my creativity, drive to be successful, business smarts, and drive to pursue what makes me happy, I could make something happen. About to be 23, no debt, good sized trust from grandma, no gf or kids, and can quit in June move back to Austin with my parents (free rent). Some people think I would be crazy to quit and pursue this. Any Advice? What do you think?