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[skylarportland]

Everyone kept telling me, "bankruptcy is the worst possible financial thing you can do" so I avoided it at all costs, including having to use soda can deposits to help me make my car payment, rent, utilities, etc.

Then I learned that my dad who resides in southern Calif had filed bankruptcy not once, but TWICE--each about 10 yrs apart--and after the first one, he was able to finance a car 18 months later, and 2 yrs after the second one, financed a 3 bdrm. condo, so avoid "settling" your debt

[bankruptcyattorney]

i appreciate it.

[skylarportland]

Exactly! I was in deep financial trouble 4 1/2 yrs ago so everything went to collections and debt-negotiation companies like CNI, CCCS, etc. While most of my debts settled for about 60% of the balance, one of them went to a local attorney where I live. Been paying that as well the last 2 yrs--never late w/ any of these debts, but a yr ago couldn't finance a vehicle because my "debt/income level is too high". Paid over $15k on past debt and no better now than I was then. ( more )

[bankruptcyattorney]

I appreciate it.