i owe around 50k in credit cards, another 25k in school loans. 3 years ago i had a pretty good job and long story short my employer asked if i could also do another job for a few months. so thats 2 full time jobs at the same time, after 2 months i was so stressed out i just resigned without even thinking of the consequenses.
anyhow luckily 1 year ago i landed a part time job, i have moved into my parents house, they arent charging me rent. i got a defferment on my school loans. even with that I simply cannot keep up with the credit card payments, no way.
i tried to do the honorable thing for so long but i am running out of time. i hate to give up but i dont think i will have any other choice. after running the numbers i think i have maybe 3 months at most, if i cant find a full time job.
i am 40, and for some reason nobody will hire a 40 year old for a full time job. i have applied to many many many jobs but i never get selected. bottom line, if i cannot get a full time job within 3 months i will have to do what was unthinkable to me, file for bankruptcy.
a question i must know the answer to is this. i have a car and motorcycle that are paid off. i cannot lose these. how can i work without them.
if i file for bankruptcy will they take those possessions away from me?
also, if i do file for bankruptcy, afterwards will employers know this when i apply for jobs?
anyhow luckily 1 year ago i landed a part time job, i have moved into my parents house, they arent charging me rent. i got a defferment on my school loans. even with that I simply cannot keep up with the credit card payments, no way.
i tried to do the honorable thing for so long but i am running out of time. i hate to give up but i dont think i will have any other choice. after running the numbers i think i have maybe 3 months at most, if i cant find a full time job.
i am 40, and for some reason nobody will hire a 40 year old for a full time job. i have applied to many many many jobs but i never get selected. bottom line, if i cannot get a full time job within 3 months i will have to do what was unthinkable to me, file for bankruptcy.
a question i must know the answer to is this. i have a car and motorcycle that are paid off. i cannot lose these. how can i work without them.
if i file for bankruptcy will they take those possessions away from me?
also, if i do file for bankruptcy, afterwards will employers know this when i apply for jobs?
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