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 in response to TechT...   I think you gave great advice with the information that was provided. About 15 years ago when I was struggling after a bad divorce, I nearly starved and became homeless trying to keep up with my bills and had no idea about bankrupcty. No it doesn't end all of your financial worries but it does alleviate the majority of your bills. I struggled for 4 years and then took someones advice to file and even was shocked to learn although I was re-married, my filing bankrupcty would not appear on my husbands credit. I went from having a 450 credit score to now having an 820. I was able to clear everything except for my student loans but I did refinance. In the meantime, I was able to rebuild my credit and use my husbands as he didn't have a BK on his. I think in this economy its smart to start over if you have to and appreciate your good advice, thank you.

 in response to cryingallthetime...   Well maybe not where you live, but I have two families that are in the same predicament or close to that you are in, as well as my own. We decided not to go with bankruptcy but the other two families it served them well. I'm amazed at how you are so can tell where my heart is without even knowing me. This board is not for you to judge people! I am not judging you and have only given you some advice. It is up to you to accept or ignore.

 in response to TechT...   I am trying to understand why you are on here TechT. Bankruptcy does not squash all your debts. Learn how to spell question. Also for your information. Public school isn't "free". Yes, if you can't afford private and don't want your children in public. Well, that is a want and not a need. As long as they get an education. That is important. Your heart TechT seems that it is here for you to give advice that isn't to helpful and brought in a loving way. Not trying to disrespect you. But before you give advice, you should check your facts first.

This is a perfect example of why bankruptcy was invented. You can clear your debts, without quiestion. You also need to set the kids up in public school... No cost there.

I've never been on this site before, but my fiance and I are in need of any help we can get. I was in an 18-wheeler roll over in Oct 07' and am still in need of medical care and surgeries that I can't afford and can't seem to find help for. I am trying to get SSI just until I can get my medical issues resolved, but have gotten denied and am trying to fight it. To top it off... in June 2011, my fiance' was diagnosed with HIV so bad we almost lost him. He is doing better every day, but is unable to work and I have to care for him 24/7 due to seizures and occasional confusion. It is basically impossible for me to work away from home and we can't afford all our bills right now... God has blessed us with our love, home, vehicles (1 running), and his love and I believe he will continue to bless us...