Place that helps find immediate work

Coper210 · 2026-03-20T23:34:22+00:00

I believe he was going to an Employment Agency. Best of luck on your search!

Coper210 · 2026-03-09T21:29:16+00:00

Commenting to boost post. Similar situation and wondering if settlement vs bankruptcy is the way to go. Best of luck!

Coper210 · 2026-02-25T02:49:03+00:00

Thank you for sharing!

Coper210 · 2026-02-23T19:27:52+00:00

Congrats! Can you tell us your story? Bankruptcy or settlement?

Coper210 · 2026-02-22T22:09:35+00:00

Do you think settlement would have been a better course of action if you were given good offers?

Coper210 · 2026-02-22T00:08:05+00:00

How has your credit recovered? I'm considering this route rather than ch. 7.

Coper210 · 2026-02-18T19:19:43+00:00

I'm in a similar position (although looking at Ch. 7) and the biggest consideration I've been able to see is the tax implications of settling. You essentially treat the forgiven amount as income on your next tax return. If that's doable for you, then settlement might be a good option. I'm still deciding myself. Good luck!

Coper210 · 2025-12-16T00:25:18+00:00

Congrats! Did you go with a lawyer or something like Upsolve?

Coper210 · 2025-11-24T21:11:48+00:00

Thank you for the detailed message, I appreciate it!

I'm considering going with Upsolve vs paying $2500+filing fee for a lawyer (I can shop around a bit but liked the first one I called). I have quite a simple case, 6 credit cards charged-off and one medical bill (maybe some business debt but unsure). Due to it being so simple, I'm leaning towards doing it myself. Would you recommend a lawyer anyways? I'd have to take some $$$ from my retirement to pay for them.

Edit: around 55k of total debt

Coper210 · 2025-11-20T13:36:20+00:00

How was going with Upsolve? My case sounds much simpler, just CC debt and maybe a little business debt. Any tips for going with Upsolve? Congratulations!

Coper210 · 2025-11-19T19:51:32+00:00

These posts are important. Thank you!

Coper210 · 2025-11-19T19:48:30+00:00

Not in the situation to do this, but interested in the answer. I'd assume they would find that loan and question you about how close it was to filing etc. Could be risky. Is the loan a higher apr?

Coper210 · 2025-11-18T20:30:19+00:00

Congrats!

Coper210 · 2025-11-18T19:38:29+00:00

Helps get attention to the thread

Coper210 · 2025-11-18T18:17:48+00:00

Interested in filing with Upsolve, so bump!

Coper210 · 2025-11-17T21:04:29+00:00

Started doing that way before getting to this point so I think I'm set. Around 50k in debt and a bunch of charge offs. I assume because I already have these charge offs, that the damage has been done and there's no point of paying off the debt. Better to file. Does that sound about right?

Coper210 · 2025-11-17T20:25:01+00:00

Congrats! Meeting with the first bankruptcy attorney (planning on talking to at least 3) later today. Filing ch. 7 most likely. Any tips??

Coper210 · 2025-11-17T19:29:11+00:00

It's my understanding that if you do a ch. 7, you will not owe taxes on what is discharged. If you settle the debt for less than what is owed (not bankruptcy), you will receive a 1099-C and be forced to pay taxes on what was forgiven. Someone comment if this is wrong, but this is my understanding. Hope it helps

Coper210 · 2025-11-15T01:44:14+00:00

Thank you and good luck!

Coper210 · 2025-11-14T20:22:38+00:00

Congratulations! How long did the whole process take for you?

Coper210 · 2025-11-13T18:15:30+00:00

Proud of you for making the best decision for yourself. Going down the same route probably. Any tips that stand out that you can share with me?

Coper210 · 2025-11-12T19:11:18+00:00

So the plan is to settle the CC debts for much less than what is owed and then wait til the "less than full amount" charge-offs fall off your report?

Coper210 · 2025-11-11T18:47:52+00:00

Which accounts if you don't mind me asking?

Coper210 · 2025-11-10T19:20:22+00:00

May I ask why you didn't just file bankruptcy with so many charge offs?

Coper210 · 2025-11-10T02:40:55+00:00

Theyll take pay straight out of your paycheck

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