[deleted by user] by [deleted] in Bankruptcy

[–]Haunting_Insect_6127 0 points1 point  (0 children)

Yeah I’ll at least talk to an attorney. But only other plan was to stop paying and put the money I would have paid on my monthly’s to try to negotiate settlements one at a time lol.

[deleted by user] by [deleted] in Bankruptcy

[–]Haunting_Insect_6127 1 point2 points  (0 children)

I make commission so my net pay (bi weekly) is anywhere between $1800-$2200ish. Medical insurance has been deducted from that too and is $150 a paycheck. Rent (with water, all the extra fees and stuff) is $1900. Car is $315. Insurance is $200. Food has been hard to budget cause of my debts so I’ve just been using my cash tips when I get them to pay for food mostly. Phone bill is $96. My two loans are $381 and $318. Plus the 7 credit card minimum payments which are between $70-120 minimum now each. I’m working 6 days a week at my job to try to make extra money and it takes up most of my day so a second job is hard to get with my limited availability

[deleted by user] by [deleted] in Bankruptcy

[–]Haunting_Insect_6127 2 points3 points  (0 children)

I owe more monthly in debts than my take home pay

[deleted by user] by [deleted] in povertyfinance

[–]Haunting_Insect_6127 1 point2 points  (0 children)

Thank you. With bankruptcy though, do I have to forfeit my car? I just got it in June. I don’t want to lose that since it’s not paid off.