First off, please no lectures about responsible spending. It is possible for some people, such as my husband, to be in a situation like this for reasons that were hard to avoid.
My husband is thirty and has quite a bit of debt. Mostly medical bills from having surgeries when he was uninsured, and some credit cards. The total is pretty high; near $80,000. We want to be able to improve his credit and buy a home at some point in the future; we are aiming for ten years from now or less.
Right now, we make enough to pay our living expenses with few extras. Our savings is literally nonexistent. Before his mom passed, my husband was using any credit card he could get to pay her mortgage and all other bills so she could survive. Now he has extremely poor credit.
For the past few years, he has not made any new debt. We have been renting and have paid cash for vehicles and everything else. His debt is too high for us to pay off.
Bankruptcy sounds like a nice option for s fresh start, as he doesn’t have any assets to lose, really. But it can stay on his credit report for ten years if I understand correctly, and I am worried that would really affect our ability to purchase a home.
Would it make sense to just wait until everything drops from his report, and get a secured credit card to build his score back up, or is bankruptcy a better idea?
Once I finish school and he is able to go back as well, we intend to pay back as much debt as possible. It is just not possible right now. Renting is expensive where we live as well, and I know of many people who actually save money by owning their home in this area.
What would you suggest as our best option?
No one is currently pursuing him in court. I do understand that once the debts fall off of his credit report that they do not disappear, and he will still owe them. With our ratio of income to debt right now, though, there is no way we can make any immediate progress on paying the debts off. We have every intention of paying them off eventually, but can’t do it immediately.
I would like more clarification on what one contributer said; don’t rebuild his credit as a blank report is better than a bad score….how does that work?
I guess what I want to know, basically, is after all of these debts are 7 years old and are no longer showing on his credit report, is there a chance that we will be able to buy a house before having paid off all of the debts he owes?
Thanks for all input so far.
Creditors tend to sue you before the statute of limitations
They garnish your wages and tap into your assets
How old is this debt? Items fall off after 7.5 years
Get a good book on Bankruptcy from your library or bookstore
I liked Bankruptcies for Dummies or the Idiot’s guide to Bankruptcies
^ not an insult – these are good books
I’ve heard of people buying a home 3 years out of bankruptcy
They got their act together with no debt, and put together a nice 20% down payment
These debts are not going to “drop off” your credit report. They’re going to stay there until they’re paid. Is he behind in his payments? If so, I’m sure you’re getting collection calls. These people are not going to go away. They can even garnish your wages.
Bankruptcy would discharge the debts, and honestly, after about six months he’ll start getting credit card offers again, but I don’t know what the impact would be on trying to get a mortgage. Not good, I imagine, but on the other hand, you can’t file bankruptcy again for something like 10 years, so anyone loaning you money knows you would have to pay it.
He could try credit counseling. Find a place that is authorized by the Federal government, not some place that guarantees to get rid of your debts for a fee.
Credit counselors can work out a budget and a payment plan with his creditors. Or, they may say bankruptcy is the only option if the debts are too great vs. the income.
I’ve been there; see a legitimate credit counselor and see what they suggest.
Charge off is an ACCOUNTING term. It means the debt is no longer listed as a collectable asset on the creditors balance sheet. It DOES NOT mean you no longer owe the money, or that they can’t SUE you to collect. Bankruptcy will KILL his credit for at least 4 years. Start by actually TALKING to the medical providers that you owe. THANK them for the care they provided and explain your situation. Ask if they can help you, or point you to programs that can help. This will do less damage to his credit than bankruptcy and will fall of the report sooner than bankruptcy. Finally, DON’T rebuild his credit. A BLANK credit report is actually better than a low credit score.
Are any creditors aggressively coming after your husband for this debt…like taking him to court?
If no one is currently trying to collect on this debt then there may not be any urgent need to file for Chapter 7 right now. Sometimes medical providers/hospitals will just write off the debts and walk away from them without taking any legal action….or they could be playing a waiting game to come after you when they feel the time is right.
I don’t think that he needs to be considering Chapter 7 unless he is served a summons to go to court for any of this debt.
If you & your husband have no collateralized debt such as a car loan or mortgage then you don’t file for bankruptcy you default by non-payment. My advice is to default on all the cards at the same time so that you can keep track of the progress for all of them easily.
For the first 6 months, the primary lender will call every other day or every few days although legally they can call daily. Give them your name, address, phone # and tell them that you are unable to make a payment right now, then hang up. Don’t elaborate or tell your life story, you are talking to a customer service representative and they don’t get paid enough to care, plus they take notes. You want it to seem like you don’t have any funds (important, so the less said the better). They can call you once a day as long as you answer your phone. This process is boring, name, address, phone number, I’m unable to make a payment right now, then hang up. Be polite, share nothing more.
After 6 months, they will Charge Off your account & sell your information (called Evidence of Debt) to a third party collection agency. This means that the primary lender has settled your account for pennies on the dollar. For example, you owe $80,000, the third party collection agency will pay $800 for your info. So don’t fall for the 40% off what you owe letter that they will send you on the fifth month of default. If you pay it, the amount that the primary lender has to write off is sent to the IRS & you will owe taxes on it.
Collections: The third party collection agency may call you on a Mon or Tues. Give them your name, address, phone # & ask if they have sent you their standard letter (give no other info whatsoever). If they ask for your SSN, don’t give it to them, you don’t know these people. Tell them you can give your address & phone #, you always want them to be able to find you. According to the FDCPA, they have 5 days to mail to you the standard letter from the time they call you. You will get it on Friday. Often times, they don’t call you, they will send the letter first, but they can call you daily until you send them the validation letter in response. Then the calls stop. Unlike the primary lender, most third party collection agencies don’t work Sat & Sun, so your weekends are quiet.
Once you get their standard letter, you will send them a validation letter asking them to validate the debt. See video below, link for sample validation letter included. They must provide a copy of the original credit card form you filled out and signed when opening the account. They won’t be able to, they only bought your info, the primary lender won’t give them this form. Copies of your previous credit card statements & print screens count for nothing. These big bulky envelopes are annoying & meaningless. You will send the validation letter by Signed Return Receipt once they get it, they will almost immediately sell your information to another third party collection agency & the process repeats. I defaulted on four credit cards ($22K) due to unemployment, I sent out 2 to 3 validation letters a month for 7 or 8 months until they ran out of third party collection agencies to sell my info to. It’s been real quiet for the last 6 months, but they have 5 years to try & collect the debt in my state, after that it’s too old. There is a Statute of Limitations which is different for each state. Just google “Statute of Limitations in (your state) for Debt” to find out.
If by some miracle, you get a petition, the laws still favor the debtor, not the lender. The Ebook from Your Legal Leg Up spells out the Whole process, but don’t get too excited. If you show the slightest hint that you intend to fight this in court, they will file a motion to dismiss, long before you even get close to selecting a jury. They aren’t going to collect enough money from you to cover their legal fees & with so many more easier victims and foreclosures, they aren’t going to waste time on you if you show & look like you know what you are doing. Plus by sending the validation letter every time, you’ll never see a petition.
It is likely that at least one of those creditors will sue before the statute of limitations runs.
The mere fact that you have filed a bankruptcy can appear on your credit report for 10 years, but if you do the right things you can rebuild your score in less than 3. Right now, every month that you miss payments your credit score gets worse. Your credit score will not improve until you resume making regular, timely payments on all of your debts. However, if you file bankruptcy, then that is the last black mark against you. From there on you are in a position to rebuild. So ask yourself, in three years, will you have paid off all of your debt? If not, then bankruptcy may, in the long run, actually be better for your credit.
Nearly all consumer bankruptcy attorneys offer free consultations. Take advantage of this to meet with one and get advice based on all of the details of your particular situation. You can find a referral at NACBA.org (National Association of Consumer Bankruptcy Attorneys).
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Visitor recommendations…
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[...] that is the end of this article. Here you’ll find some sites that we think you’ll appreciate, just click the links over[...]……
Tumblr article…
I saw a writer writing about this on Tumblr and it linked to…
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News info…
I was reading the news and I saw this really interesting info…
Recent Blogroll Additions……
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Informative and precise…
Its difficult to find informative and precise info but here I found…
Yahoo results…
While browsing Yahoo I discovered this page in the results and I didn’t think it fit…
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Dreary Day…
It was a dreary day here today, so I just took to piddeling around on the internet and realized…
Links…
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While I was surfing today I saw a great post about…
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Tumblr article…
I saw someone talking about this on Tumblr and it linked to…
Read was interesting, stay in touch……
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Websites worth visiting…
[...]here are some links to sites that we link to because we think they are worth visiting[...]……
Sources…
[...]check below, are some totally unrelated websites to ours, however, they are most trustworthy sources that we use[...]……
Read was interesting, stay in touch……
[...]please visit the sites we follow, including this one, as it represents our picks from the web[...]……
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[...]just beneath, are numerous totally not related sites to ours, however, they are surely worth going over[...]……
You should check this out…
[...] Wonderful story, reckoned we could combine a few unrelated data, nevertheless really worth taking a look, whoa did one learn about Mid East has got more problerms as well [...]……
Blogs ou should be reading…
[...]Here is a Great Blog You Might Find Interesting that we Encourage You[...]……
Its hard to find good help…
I am regularly proclaiming that its difficult to get good help, but here is…
Recent Blogroll Additions……
[...]usually posts some very interesting stuff like this. If you’re new to this site[...]……
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Yahoo results…
While browsing Yahoo I found this page in the results and I didn’t think it fit…
Gems form the internet…
[...]very few websites that happen to be detailed below, from our point of view are undoubtedly well worth checking out[...]……
Online Article……
[...]The information mentioned in the article are some of the best available [...]……
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[...]one of our visitors recently recommended the following website[...]……
Links…
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Looking around…
While I was browsing today I noticed a excellent post about…
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[...]here are some links to sites that we link to because we think they are worth visiting[...]……
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[...]although websites we backlink to below are considerably not related to ours, we feel they are actually worth a go through, so have a look[...]……
Sources…
[...]check below, are some totally unrelated websites to ours, however, they are most trustworthy sources that we use[...]……
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[...]we came across a cool site that you might enjoy. Take a look if you want[...]……
Dreary Day…
It was a dreary day here yesterday, so I just took to messing around online and found…
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Superb website…
[...]always a big fan of linking to bloggers that I love but don’t get a lot of link love from[...]……
Websites worth visiting…
[...]here are some links to sites that we link to because we think they are worth visiting[...]……
Awesome website…
[...]the time to read or visit the content or sites we have linked to below the[...]……
Websites worth visiting…
[...]here are some links to sites that we link to because we think they are worth visiting[...]……
Blogs ou should be reading…
[...]Here is a Great Blog You Might Find Interesting that we Encourage You[...]……
Informative and precise…
Its difficult to find informative and accurate information but here I noted…
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Its hard to find good help…
I am forever saying that its hard to procure quality help, but here is…
Yahoo results…
While browsing Yahoo I found this page in the results and I didn’t think it fit…
Superb website…
[...]always a big fan of linking to bloggers that I love but don’t get a lot of link love from[...]……
Related……
[...]just beneath, are numerous totally not related sites to ours, however, they are surely worth going over[...]……
Dreary Day…
It was a dreary day here yesterday, so I just took to piddeling around on the internet and realized…
Recent Blogroll Additions……
[...]usually posts some very interesting stuff like this. If you’re new to this site[...]……
Recommeneded websites…
[...]Here are some of the sites we recommend for our visitors[...]……
Websites you should visit…
[...]below you’ll find the link to some sites that we think you should visit[...]……
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Links…
[...]Sites of interest we have a link to[...]……
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Superb website…
[...]always a big fan of linking to bloggers that I love but don’t get a lot of link love from[...]……
News info…
I was reading the news and I saw this really interesting topic…
Yahoo results…
While searching Yahoo I found this page in the results and I didn’t think it fit…
Links…
[...]Sites of interest we have a link to[...]……
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Superb website…
[...]always a big fan of linking to bloggers that I love but don’t get a lot of link love from[...]……
Websites we think you should visit…
[...]although websites we backlink to below are considerably not related to ours, we feel they are actually worth a go through, so have a look[...]……
Recommeneded websites…
[...]Here are some of the sites we recommend for our visitors[...]……
Its hard to find good help…
I am constantnly proclaiming that its hard to get good help, but here is…
Cool sites…
[...]we came across a cool site that you might enjoy. Take a look if you want[...]……
Read was interesting, stay in touch……
[...]please visit the sites we follow, including this one, as it represents our picks from the web[...]……
Read was interesting, stay in touch……
[...]please visit the sites we follow, including this one, as it represents our picks from the web[...]……
Recommeneded websites…
[...]Here are some of the sites we recommend for our visitors[...]……
Bored at work…
I like to surf in various places on the online world, often I will just go to Digg and read and check stuff out…
Yahoo results…
While browsing Yahoo I found this page in the results and I didn’t think it fit…
Tumblr article…
I saw someone writing about this on Tumblr and it linked to…
Links…
[...]Sites of interest we have a link to[...]……
Links…
[...]Sites of interest we have a link to[...]……
Bored at work…
I like to browse around the web, often I will just go to Stumble Upon and follow thru…
Awesome website…
[...]the time to read or visit the content or sites we have linked to below the[...]……
Cool sites…
[...]we came across a cool site that you might enjoy. Take a look if you want[...]……
Cool sites…
[...]we came across a cool site that you might enjoy. Take a look if you want[...]……
Recent Blogroll Additions……
[...]usually posts some very interesting stuff like this. If you’re new to this site[...]……
Gems form the internet…
[...]very few websites that happen to be detailed below, from our point of view are undoubtedly well worth checking out[...]……
Dreary Day…
It was a dreary day here yesterday, so I just took to messing around on the internet and found…
You should check this out…
[...] Wonderful story, reckoned we could combine a few unrelated data, nevertheless really worth taking a look, whoa did one learn about Mid East has got more problerms as well [...]……
Sources…
[...]check below, are some totally unrelated websites to ours, however, they are most trustworthy sources that we use[...]……
Blogs ou should be reading…
[...]Here is a Great Blog You Might Find Interesting that we Encourage You[...]……
Check this out…
[...] that is the end of this article. Here you’ll find some sites that we think you’ll appreciate, just click the links over[...]……
great writing…
[...]always a significant fan of linking to bloggers that I love but really don’t get a lot of link love from[...]…
Recent Blogroll Additions……
[...]usually posts some very interesting stuff like this. If you’re new to this site[...]……
You should check this out…
[...] Wonderful story, reckoned we could combine a few unrelated data, nevertheless really worth taking a look, whoa did one learn about Mid East has got more problerms as well [...]……
Websites worth visiting…
[...]here are some links to sites that we link to because we think they are worth visiting[...]……