In all seriousness, people like this are why honest people have to pay more for things.

 

Thats what I was thinking. Car mods, furniture and anything thats not a necessity shouldn't be considered.

Why not take the Ex to court to get the stuff back. She can prove she paid for it....

 

Id recommend finding a better job and not filing for bankruptcy... it's not a good thing.

Stephanie Montgomery - She is in Williamsburg however. I believe you are on the southside.

 

not to be negative, but you dug yourself in debt, you should pay it back. i think bankruptcy is badnews, and it damnwell should be. sounds to me she is able to pay it back, she just wants a clean slate so she can go back to school. which, bytheway, will dig her back into debt, probably more than $20k.

she dug it, she should pay it back. im not going to lie, between car and credit card, im around 30k deep. but im working to pay it off like it should be done. i would imagine within 7-10 years, shes going to want to buy things on credit, like a car, house, ect, and bankruptcy is going to ruin that.


i think she should reconsider, but thats my 2 cents, and my rant..

 

^ True.. 20k is nothing... my GF will graduate grad school with around 40k in student loans to repay.

 

Shit..... my sister is $220k in the hole.

That's $1400 a month in student loan payments for 30 years.

 

thats what i was thinking. my girlfriend is currently at NYU paying ~$50k/yr.

thats going to be a nice amount to live with for the rest of our lives..

youll never live without debt, and coping out of it wont teach you anything but that theres an easy way out.

like i said, not trying to be negative, but i hope she is denied. you shouldnt be bailed out because you just dont feel like paying it back.

 

30 years??? Goddamn.

That's what my debt is going to look like once I graduate. People in my line of work have always told me that it would take 7-8 years to pay it off on average, so hearing you say 30 years is really freaking me out.

 

right, but a school loan is something worth paying back....and also would not have to paid until she is done with school and is a RN making enuff to pay the school loan back. All the bills she has now are just crap from years ago (she hasnt had the car that the loan was taken out for in about 3 years, and other stuff was all ran up like 5 years ago) soo it's almost like she's just paying back interest.. not even payin for the stuff she bought. and she cant pay the bills monthly and as well as goto school full time. bartenders make a lot of money but not that much.

yea she knows it's gonna mess up her credit but because she has been so behind she's already got a low score. filing is not gonna hurt her much more. hell we all know bad credit is better then no credit... hah.

i was for sure some people on here woulda filled before.. i know people who have filled in richmond over the summer and the next spring they got a new house loan and everything. i mean they give you a really shitty rate but they still give you the loans.

 

My GF is a bartender... she makes almost 40k a year working 3 nights a week. Your friend is working at the wrong place.