Debt Collection Process

Tell me about bankruptcy laws? What changed with the changes?

I You will need to read all this to see what was done to me. I am female. Christian, fundamentalist. a ppear very white. Hetero. It is relative. I have it, but it is relative to my problems. I have health problems, but was able to work. I have always had to work at being healthy. Have to keep my weight down. I am talking of me. I do not want to be told how others are, I am me. I need money for diet, health care. I have none. Going to the state for help, ends up in my being trashed. Always.I have suffered grave injuries at the hands of states discrimination and abuse. I must take medication at times due to the abuse of authorities and discrimination. I have no mental illness that is inborn. I have symp;toms of ptst, due to abuse not by my parents. never filed bankruptcy before, never contemplated it ever seriously. Know nothing, knew nothing. I really did save 10,000 cash when I was younger, no dependents, and pay down on my auto and house, bought new furniture. Had hardly any bills and perfect credit. I then made some more bills, manageable because I had a good paying job. After spending a lot of my savings on the dps and finding I was ripped off, I obtained more credit No problem. I am making good money in a career highly employable. Always have a job. I did then get some cash a couple of times from a creditor. I am working full time. I asked creditors to STOP sending me blank checks, and offers for more credit , I asked this more than once. I run into serious job discrimination. Harassment, slander. I left my long term employer after her asking me to sign lies, saying I did things I did not do. Rec. a major attitude adjustment. Then I lose my three wks vac, all raises, my two weeks sick leave. Cannot get work any where locally. I went to the city to work, told I had the job, told I was doing great, old emp. appears, they even give me a ticket, singled out. My auto crashed into, have to rent an auto. Harassed greatly because I go get my grandson, and we have some fun together while I am off. I used credit. I am getting a great new job which pays twice as much as the old.Go work there, in a rented car. Do great. Great. Then I am told because I do not want to work with someone, I can not transfer to another dept. I can go work in their ltc. I refuse. Take another job. Blah. I ended up deciding to move out of state, sell my home. They ran my ad in paper so that nothing sold. Had to give most of my things away, even furn. I bought new. Paid cash for my furniture, not credit cards. My dps were cash, not credit cards. I have been living on credit. Barely made anything on my home. I called here, talked to nurses on the floor and they said come on. No problem. More than one. I have disposed of my pets, all but what I could mail, and bring in the car. Happy to relocate be near my only dtr. Happy to get the rest of my degree, workin a hospital. Get here. I am losing wt. Gained some due to stress. Have quit smoking. Have problem sleeping off and on. I am happy. Going to gym, looking for church, actually started going to one Different denomination. Cannot go to the old one. Had my name removed from their church. Want a change. On unemployment. Kept my bills pd up for four months. Cannot get work any where. I took a review online before moving here, although it was not required. I took CEUs. I went to seminars. I studied. I was up todate any way. The job I had before was not assisted living. We handled about 30 pts one nurse, doing dressings, IVs, pics, etc., I did that for years, emergencies. The whole bit but for gunshot wounds, or fresh car wrecks. I cannot get work in nursing any where. Nothing, not in clinics nothing. Even worse, I cannot get any other kind of work. I take ACLS Pals, at great expense. I take testing for college hours My brain is working. The ACLS , Pals was like a good BLS except I got to do the airway thingie, put one in. We covered more meds. Open book. I did not use my book for all that. This was expensive, credit. I had to buy some tires. blah blah. Stringing me along, just around the corner, job. Good pay. No work. Finally, my money is gone. Credit gone. Creditors know. they know I am not working. Do not terminate my credit. I cannot get work. I cannot pay my bills. I went to consumer credit. Said a lost cause. My health starts slipping. I did not start smoking. I cannot carry weight. It kills me, and I do not get crabby when I eat right. I began going to gym here. Paid a membership. Harassed at the gym, told to get lost more or less. I was not hurting myself. I look about 15 yrs younger without this wt. I function very well. Devastated. I have given up my home, spent all that money, now my health is slipping. Told I do not have HIV. Then to show I am serious about working, I take the only two jobs I am offered. Nothing like nursing in any way. Hurt me really bad, as if designed to inflict pain, injury. Have to qu There is a a lot more of this question I asked posted under my name in the section personal finance, this jeliminated a lot of details. What was done to me was criminal discrimination and harassment. Criminal. I have been injured mentally, and physically, and they do not intend for me to recover. I am not the criminal, I am the victim. They would let me do nothing to try to regain my health, or help myself. Nor could I get a job in a hospital. Told to file bankruptcyh, chapter seven, lost cause. Denied the right. Told there is one bank ruptcy attorney here. Insulting my morals, character, intellect. Insulting my education, family, everything. Threatening my children. Vile place. i have no where to go. Burned all bridges. Want to be near my kids. My only daughter and her hb and five kids. Intended to stay here many many years if not my life. Promised I would be able to get work by nursesw on the floor. I had the credentials, work history, education and a lot of valid experience. I know my grammar, spelling, etc. I simply am not going to correct this, why bother. It is truly a lost cause. I have simply been written off for no reason except vile prejudice, lies, and fraud committed against me. I did not deserve this. No one does. I did nothing at all to deserve this. I am truly not able to work . If I regained my health, I am too old now to do anything. I am devastated and I cannot pull out of this malicious sadistic thing they did to me. Live in this subsidized, not state, apt. It is horrible. Exercise toward me in cruelty and avarice.

Public Comments

1. Any adult may file for bankruptcy. The Credit Card companys sucessfully lobbied congress to change the law a couple yrs ago. Before the new law, you could simply walk away from debts. Now, if your income reaches certain levels, you may be required to repay minimum amounts. It's up to the Bankruptcy Court (Judge)
2. huh