I'm a single black mother that is raising a wonderful lil boy!!!
Man I'm so depressed. I am almost totally broke. I had savings in my account which are about to come to an end. I really can't do nothing with my check now but pay bills. And now that the wicked witch at work fucked it up for everyone, we can't work overtime.
So I've been thinking and thinking. I should just do ahead and file bankruptcy. I talked to my babysitter's neice and she filed last year before the new law went out. But she said it's still possible to do it. She gave me a name to call. Then tonite I went to bingo with my mom (didn't win shit though) and her girlfreind told me who to go to for a reasonable price.
My mom has filed a few years back and she is ok. Yeah she has to pay higher interest on things, but she still has a place and a car.
My car is paid off. Really what I want is to get rid of my credit card bills, my Dr. bills, and a couple of loans. At this time, I am able to pay the minimum and this is getting me nowhere. I could save about $200-300 a month if I could file.
I've just pondering on this. The only thing I'm really worried about is that my sista has a car in my name. They won't try to come repo her car will they? At this point I shouldn't even care about her. She pays her note late every month and this also is hurting my credit. But I'm just not that type of person. I want to find out all my options because I'm tired of getting my check and then at the end of the week, I'm dead broke. I don't get no kind of assistance from my son's no-good-ass father and I don't qualify for government assistance, so I'm just stuck and filing seems to be my only option.
I was pondering on getting another job, but last year I worked so hard and neglected myself that I ended up in the hospital TWICE!!! Plus I didn't spend any time with my baby. So I don't want to go down that road anymore. So again, this seems to be my ONLY OPTION!!! If anyone of you guys have any opionions, I'm open to them.
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