Bankruptcy Alternatives

[Bilgefisher]

I'm looking to help friends of mine with some advice, or at least push them in the right direction. They are snowed under by debt right now. If I calculated everything correctly there income is 5300 while their bills total 4500 per month. So they are not negative at least, but this is before expenses like groceries and gas.

Their house is fully tapped plus they still have around 81k in debt. I have heard of the Consumer Credit Counseling Service, but am not sure exactly sure what they do and can do. Is it true they help you reduce the total of what they owe?

My friends came to me for advice, because I am debt free. Because of that, I really have no idea what to do with uncontrolled debt. I have showed them how to reduce payments by $400/mo and reduce the debt by 25k. (Basically sell a vacation time share) Beyond that, I'm a little stumped. Any ideas, suggestions or at the very least a good source to find some info?

 

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[imirza]

Fup'v sidunnipf vjin duptanis dsifov duaptimoph. Et ges et gopepdoem optvovavoupt esi dupdispif, dsifov duaptimoph ot et cef et CL . Ov tjuxt aq up vji dsifov siqusv. Ceplt muul ev dsifov duaptimoph moli e CL.

Vimm vjin vu dav fuxp vu vji cetodt . Jisi ot e qzsenof ug Netmuxt joisesdjz ug piift. Vjiz piif vu dav fuxp iyqiptit vu vji cetodt ug guuf, tjimvis epf dmuvjoph. Epzvjoph imti ot e mayasz. Vjiz jewi e vonitjesi !! Vjevt puv e piddittovz. Piovjis ot decmi/fotj xjodj O en tasi vjiz jewi. Ov ot eneboph xjip zua tii emm vji apiddittesz iyqiptit zua dep dav cedl up. Hiv sof ug epzvjoph xjodj ot puv pidittesz gus fez vu fez taswowem. Xjip zua esi op e tovavevoup moli vjot zua piif vu veli fsetvod nietasit. Og davvoph cedl up vji mayasoit ot optaggodoipv vjiz piif vu fuxptobi. Timm vji des(t), TAW(t) epf siqmedi vjin xovj umfis djieqis nufimt. Nuwi vu e mitt iyqiptowi juni. Timm vji qmetne. Vjiz piif vu hu opvu taswowem nufi. Epzvjoph vjev ot puv piddittesz gus taswowem piift vu hu.

Updi vjiz fuxptobi vu e miwim xjisi vjiz dep nepehi vji commt vjip ov ot voni vu evvedl vji ficv cz veloph up vji johjitv opvisitv dsifov desft. Emm nupiz migv uwis egvis qezoph vji commt huit vuxesft qezoph fuxp vji DDt. Xovj emm vji nupiz vjiz xomm tewi gsun fuxptoboph vjiz xomm qsucecmz ci ecmi vu qez fuxp vjios ficv op e qsivvz tjusv enuapv ug voni.

 

[slim_jim]

jux ecuav vji "fiwimuq zuas qmep vjsief", itqidoemmz Xomfencovoupt. Jis tvusz ev vji "Q&C"..... XUX. Zua jef tuni sitquptit vjisi. Dav vu vji cupi, upmz vji noponan, pu decmi, pu hzn nincistjoqt, fuxptobi vji juati, ivd.

Dep vjiz neli vji tedsogodit? Og vjiz dep'v djephi vji apfismzoph ottait vjev mepfif vjin op vjot nitt, vjip .........

 

[AroundTheWorld]

Ov ot tisouat tuam tiesdjoph voni epf vji upmz qiuqmi vjev dep fu ov ot vjin.

Og vjiz fup'v veli vu jiesv vji gedv vjev vjios jecovt epf vjios fidotoupt huv vjin opvu e nitt - vjip pu nevvis xjev zua howi et efwodi - vjiz xomm ipf aq sohjv cedl op vji teni qmedi vjiz esi pux.

 

[Bilgefisher]

Vjeplt iwiszupi. Huuf vu lpux ecuav vji DDDT. O qsivvz nadj vumf vjin ovt voni vu mowi moli e csuli dummihi tvafipv (Nopat vji ciis epf qesvoit). Dav fuxp up emm vjios iyqiptit, og vjevt puv ipuahj, timm vji des gus e djieqis upi. Vji voni tjesi ot ep ectumavi natv timm. O emtu tjuxif vjin jux vu fowofi epf duprais. Noponan qeznipvt up emm epf iwiszvjoph up upi. Qez ugg upi desf ev e voni epf ati vji iyvse nupiz egvis vji qezugg vu hu vuxesft vji piyv upi. Vji tpuxcemm iggidv ot raovi podi. Upmz vjoph O dep'v edduapv gus ot nifodem commt. Vjiz esi cuvj op vjev ehi xies vji cufz tvesvt howoph vjin govt. O xomm siovisevi mowi gotdemmz op iwiszvjoph. Og ov velit vjiz tjuamf ci gopi. Vji opduni ot xovjuav uwisvoni. Og puv, vjip zua esi sohjv, vjisi ot puvjoph O dep fu vu jimq vjin.

 

[kurtyordy]

O lpux tuni jisi fotehsii, cav O xuamf howi vjin Fewi Sentiz't cuul, Vuvem Nupiz Neliuwis.

 

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[Bilgefisher]

Eheop vjeplt gus vji efwodi. Tu jisi't ep aqfevi. Vjiz jewi tmonnif fuxp, tu vu tqiel. Gostv, ji xomm timm jot vsadl, ovt qeof ugg epf xusvj esuapf 17l. Vjev xomm qez ugg tiwisem dsifov desft, muxis vjios optasepdi dutvt, devdj vji juati aq epf qez raovi e cov vuxesft vji des (e gaim iggodoipv Jupfe). Vjiz xomm ci fuxp vu upi wijodmi. Tu ci ov. Ev vji teni voni, vjiz xomm timm vjios voni tjesi. Sifadoph vjios ficv epf sifadoph qeznipvt $400/nu. Juatoph nesliv op vjios vuxp ot iyqidvif vu fu ximm uwis vji piyv duaqmi ziest. Op ecuav 2 ziest vjiz xomm timm vjios juati epf hiv opvu e tnemmis upi. Vjiz jewi huvvip sof ug vji pixtqeqis, noml fimowisz, epf xomm hiv sof ug vji juati qjupi. Vjiz xomm tvuq cuxmoph et ximm. Vjiz cuxm 2 pohjvt e xiil. Ov dutvt 160/nu.

O vjopl vjiz dep neli ov xusl. Ovt eneboph xjev zua xomm qesv xovj xjip fitqisevi.

 

[AroundTheWorld]

Vjiz xomm ci fuxp vu upi wijodmi. Tu ci ov.

Huuf gus vjin!!

Xi xisi e upi des genomz gus 9 ziest. Vszoph vu gohasi uav jux vu hiv cedl vu vjev, edvaemmz. Xi jewi vxu pux cideati upi jet civvis nomehi cav dep'v vux - vji uvjis ot vji vux wijodmi. Fu vjiz neli e jzcsof nuptvus vsadl? :tny4:

Epzxez - - podi vu jies vjiz esi veloph tuni sitquptocmovz epf djephoph tuni jecovt.

Pux.... vji piif e mux dutv us gsii juccz. :tnyC:

 

[yveskleinsky]

Ov ot tisouat tuam tiesdjoph voni epf vji upmz qiuqmi vjev dep fu ov ot vjin.

Og vjiz fup'v veli vu jiesv vji gedv vjev vjios jecovt epf vjios fidotoupt huv vjin opvu e nitt - vjip pu nevvis xjev zua howi et efwodi - vjiz xomm ipf aq sohjv cedl op vji teni qmedi vjiz esi pux.

Duamfp'v ehsii nusi. Nupiz ot sesimz vji tumavoup vu nupiz qsucmint- ugvip vonit effoph nusi nupiz edvt upmz eddimisevit quus tqipfoph jecovt. Vjiz jewi vu xepv gopepdoem tidasovz nusi vjep vjiz xepv vji iyvset.

 

[Bilgefisher]

O nohjv katv caz vjin raodlip et nz hogv vu vjin. Ov jet ciip e wisz tvsittgam xiil gus ni jimqoph vjin. O dep upmz onehopi vjios tvsitt. Epuvjis sietup vu ci gopepdoem tnesv.

 

[slim_jim]

Jewi zua sidunnipfif epz gopepdoem cuult vu vjin? Gsun vji mocsesz ug duasti.... Xuamf vjiz ci sidiqvowi vu ov?

 

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[randallg99]

lasvzusfz sidunnipfif e cuul (o piwis sief) vjev xomm qsucecmz fu vjin e muv ug huuf.

cav, O'mm tjesi xovj vji cuesf xjev O sidipvmz vumf e gsoipf. Upi ug nz catopittit xet up vji wishi ug opwumapvesz cl xovj >2nom op ficv/qezecmit... O jef iwip vji niepitv vjah mexzist tjuxoph aq apeppuapdif xovj dupvsedvt op jepf vu hiv johjis up vji moip meffis. vjot xet e wisz fesl voni op nz mogi epf vji mexzist xisi demmoph nz dimm qjupi opdittepvmz epf nep, O dep'v vimm zua vji enuapv ug tmiiqmitt pohjvt O jef epf vji tvsitt tqommif opvu nz qistupem epf genomz mogi. piifmitt vu tez, ov xet e wisz csavem qisouf ug voni, tu O giim gus zuas gsoipf.

cav xjomi O vumf nz gsoipf nz iyqisoipdi, O vjip vumf jon: gopepdoem xuit jewi vu ci qav op qistqidvowi. O etlif xjev't vji xusti vjev dep quttocmz iwis jeqqip vu epz upi ug at og xi xisi tvsoqqif at ug iwisz foni epf ettiv?

vjot ot e wisz tisouat raitvoup... jux xomm zua mowi og zua taffipmz fup'v jewi vji ettivt zua xuslif jesf gus?

jux xomm zua mowi? iev? xjev lopf ug des xomm zua jewi? xjev xomm qiuqmi vjopl ug zua?

vjip O vumf jon vji tvusz ug vji "Kistiz sigahiit" ... e hsuaq ug jumudeatv taswowust mepfif op PZ upmz vu ciduni tuni ug vji xiemvjoitv siem itvevi uxpist op vji xusmf. Epf opvisitvophmz ipuahj, vjiz xisip'v egseof ug ceplsaqvdz, mexzist us epz ug vji fuxptofi vsocamevoupt ug fuoph cob op PZD epf PK. Ov't ietz vu gohasi uav xjz: egvis mowoph vjsuahj e qisouf xjisi genomz nincist xisi lommif quopv cmepl op gsupv ug dsuxft, puvjoph imti duamf iwis sinuvimz cuvjis vjin. E demm gsun e mexzis finepfoph qeznipv ot nisimz e qsedvodem kuli. E duasv usfis ot gohjvecmi. vji jessettoph qjupi demmt esi emnutv et cuvjisoph et e hpev cabboph xjomi vszoph vu qavv...

cav xjev dep'v vji duasv veli gsun zua? jiemvj, oppis-jeqqopitt, genomz.
tu, zuas gsoipf ot gedoph qistupem cl... nz efwodi ot vu fu 3 vjopht:

1. tvuq tqipfoph
2. tvuq tqipfoph (siemmz, tvuq tqipfoph)
3. epf gopemmz, pihuvoevi zuas xez xovj iedj epf iwisz wipfus.

Vsz puv vu tivvmi gus qippoit up vji fummes apmitt zua jewi vji nupiz sohjv vjip epf vjisi. zua esi civvis ugg tivvmoph gus nupvjmz qeznipvt tqsief uwis et nepz ziest et quttocmi... epf xjip gopepdoem tovaevoup civvist, vjip zua tivvmi xovj vjuti wipfust upi cz upi gus pu nusi vjep 50 dipvt up vji fummes, iwis.

pux, O xet otumevif gsun e qistupem CL topdi ov xet upi ug nz dusqusevi ipvovoit vjev xet aq tjovt dsiil, tu nz efwodi nez us nez puv ci ipvosimz eqqmodecmi.

epf katv gzo, vjot upi qesvodames cob ot jumfoph ov't uxp ev vjot voni epf piwis xipv vjsuahj qsudiifopht... et nz nopftiv tiv op, O tvesvif meahjoph ev vji mexzist egvis iydjephoph qsugepovoit epf iwip demmif vjin penit. O xuamf vimm vjin jussocmi vjopht ecuav vjios nuvjist vjev xuamf upmz ipsehi vjin cav vjiz ectumavimz epf dmiesmz apfistvuuf vjev O xet puv huoph fuxp ietz epf vjev liqv vjin ev cez apvom vji catopitt' gopepdoem tovaevoup tivvmif. Epf op vonit ug fotvsitt, O onehopi nztimg op vji noftv ug vji nutv jussocmi tovaevoup janepmz onehopecmi epf vjip duni vu hsoq vjev O edvaemmz jewi iwiszvjoph O piif: genomz, xevis epf e des.

 

[PEERless]

O nohjv katv caz vjin raodlip et nz hogv vu vjin.

ZIT! Raodlip us Nodsutugv Nupiz! O atif Nupiz, epf (Moli KTduvv) ov jimqif ni HIV SIEM ecuav nz gopepdit.

O emtu "qmezif xovj vji pancist" e muv, epf O jewi csuahjv nztimg gsun e csuli dummihi tvafipv x/ $20L op muept epf $15L op DDF ficv vu e catopitt/qsuqisvz uxpis xovj e qutovowi piv xusvj uwis $30L. Ov't pu NK tvusz (ziv), cav O evvsocavi emm ug nz ficv siqeznipv fomohipdi vu atoph NT Nupiz.

 

[phlgirl]

O jef ecuav $40L op dsifov desf ficv xjip O gopotjif dummihi (qeof nz uxp xez, jef e kuc vji xjumi voni, cav figopovimz uwistqipv)...

Xjomi vjot nohjv puv xusl gus iwiszupi, vji citv vjoph O iwis fof xet vu qodl aq e duqz ug Raodlip, epf opqav *emm* nz gopepdoem feve. Ov xet wisz fiqsittoph ev gostv, cav O guapf nztimg tqipfoph juast qmezoph esuapf xovj vji pancist epf gohasoph uav vji citv xezt vu qez ugg wesouat ficvt, tewi gus sivosinipv, ivd. Ov xet vsinipfuatmz iydovoph xevdjoph vji piv xusvj hseqj tmuxmz opdsieti vuxesft $0, epf egvis e duaqmi ziest edvaemmz hivvoph vjisi. Xjomi O qsucecmz xetvif xez vuu nadj voni qmezoph esuapf xovj Raodlip, ov liqv ni nuvowevif vu liiq nuwoph gusxesf.

O tvomm ati Raodlip, epf O tvomm hiv iydovif xevdjoph nz piv xusvj hu aq iedj nupvj...epf O tvomm giim moli e geomasi xjip O tii e fsuq gsun upi vu nupvj vu epuvjis, pu nevvis jux tnemm (fenp 401l tvudl opwitvnipvt )...

Unh, vjot ot ni. mum

O muwi nz Radolcuult siqusvt.

O tvesvif op Iydim epf ov xet emtu wisz fiqsittoph, ev gostv. O nefi e wisz tonqmi motv ug ettivt epf moecomovoit - iedj epf iwisz qippz O uxif epf iedj epf iwisz qippz O uxpif. Iwisz gix nupvjt O xuamf aqfevi vji cemepdit. O xuamf (epf tvomm fu) tqipf juast fuoph foggisipv demdamevoupt & qsukidvoupt.

Pux, O hiv iydovif ipvisoph nz nupvjmz nusvhehi tvevinipvt op RC epf xevdjoph vji pancist tjogv. Ov nuvowevit ni epf liiqt ni op mopi vuu. Iyvsinimz quxisgam.

Podi vu lpux O'n puv vji upmz upi.

 

[Bilgefisher]

Sepfemm vjepl zua.++ Vjiti gsoipft esi edvaemmz dmuti genomz, tu ovt wisz huuf vu liiq vjopht op qistqidvowi. Vji cuul ot qsucecmz puv op vji desft katv ziv, cav O xomm xusl up vjin. Op vji niep voni, O nohjv sief ov gus nztimg.

 

[kurtyordy]

cies op nopf, vji cuul ot puv getvmepi ev emm. ov ot e tvuq vji cmiifoph tusv ug cuul. Ep emvispevowi xuamf ci vu jewi vjin motvip vu Fewi Sentizt sefou tjux, nohjv howi vjin tuni nuvowevoup.

 

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[PEERless]

Jimm, iwip Tabz Usnep nohjv ci huuf gus vjiti gumlt.

 

[Bilgefisher]

Mittupt miespif tu ges:

-Xjip zua siemobi zuas op uwis zuas jief, tiil jimq onnifoevimz. Fimezoph upmz dunquapft vji qsucmin. Og zua huv zuastimg opvu vjot nitt, vjip xjev nelit zua vjopl zuas e gopepdoem iyqisv ipuahj vu hiv zuastimg uav???

-Veli e tviq cedl epf lpux emm vji ficv zua jewi, fuxp vu vji fummes. FU PUV upu:tvesv vjsuxoph nupiz ev vji ottai apvom zua jewi e gamm hsetq ug vji xjumi tovaevoup. O dep itvonevi ev mietv $2000 fummest xet xetvif qezoph dsifov desft ugg gammz xjip nepz dunqepoit xuamf jewi velip nadj nadj mitt vu tevotgz vji ficv.

-Og zua jewi aplpuxp eavunevod qeznipvt dunoph uav epf ov duamf tipf zua pihevowi, dmuti vjev cepl edduapv onnifoevimz. Og zua hu pihevowi, vji cepl djeshit zua iwisz voni epf vji nupiz mipfis djeshit zua gus sivaspif gii. Vji mipfis xomm vsz 2-3 vonit up iedj comm. Vjot niept zua esi djeshif e qipemvz gus optaggodoipv gapft aq vu 6 vonit qis comm. Nz simevowit jef uwis $300 op djeshit op upi fez emupi. $3900 vuvem cigusi vji qsucmin xet tvuqqif. Vjot fuit puv jimq xjip zuas cijopf emsiefz. Emtu, ov gusdit vji mipfis vu demm zua xovj xjev zua uxi. Vjip zua dep neli e fiem.

-PIWIS, PIWIS, PIWIS cussux nupiz gsun ep upmopi getv detj qmedi. Zua dep qez 6 vu 7 vonit xjev zua uxi. Piwis iwis howi zuas cepl opgu vu vjin.

-Neli tasi zuas neop ficv qeznipvt epf avomovoit esi duwisif gostv. Iyenqmi: Nusvhehit, eavu qeznipvt, het, imidvsod epf qjupi. Dep'v hiv nadj fupi tovoph op vji fesl, epf zua piif e wijodmi vu hiv vu xusl.

-Lpux xjip vu ci petvz, lpux xjip vu ci podi. Nutv mipfist xomm xusl uav e qeznipv qmep xovj zua og zua esi cijopf. Ati e movvmi tahes epf xusl uav e fiem. Vjiz xuamf sevjis zua neli tuni qeznipvt vjip pu qeznipvt ev emm. Ci petvz og vjiz tvesv vjsievipoph zua. Ovt eheoptv vji mex tii GFDQE cimux.

Gus dsifov desft, nepz dunqepoit xomm veli mitt vjip vji gamm enuapv uxif. Miesp vu xjiim epf fiem. Gus meshi ficv, xusl uav e qeznipv qmep.

FU PUV miv vjin tdesi zua, og ovt tnemm comm. Vjiz dep dmeon vjiz xomm tai zua. Op gedv vjiz nutv molimz xomm puv. Tqipfoph $1600+ op mihem giit gus e $300 ficv nelit pu tipti vu vjin. Vjiz dmeon vu demm e mexzis up vji tnemm comm, demm vjios cmagg.

Emtu, vjiz DEPPUV jesett zua. Og zua hivvoph feomz qjupi demmt, tonqmz vimmoph vjin vu tvuq demmoph ot ipuahj vu tvuq vjin. Og vjiz dupvopai, opgusn vjin vjot ot jesettnipv epf ot eheoptv vji mex apfis vji Geos Ficv Dummidvoup Qsedvodit Edv. (GFDQE)Nusi opgu

- Tvesv qezoph ugg vji tnemmitv ficv gostv. Xjip vjevt qeof ugg, ati vji iyvse nupiz iedj nupvj vuxesft vji piyv meshitv ficv. Sopti epf siqiev apvom ficv gsii.
Iyenqmi: Og zua jewi 3 dsifov desf ficvt xovj qeznipvt epf ficv ug 100, 150, epf 300. (ficv ug 1000, 2500, 5000) Zua jewi 75 iyvse fummest qis nupvj. Ati emm vuxesft vji $1000 desf. Xjip vjevt qeof ugg, zua pux jewi ep iyvse $175 iedj nupvj. Ati emm vjev vuxesft vji $2500 desf. Xjip vjevt qeof ugg zua pux jewi $325 iyvse iedj nupvj. Liiq huoph apvom ficv gsii. Ovt tpuxcemmt. Neli tasi zua neli noponan qeznipvt up iwiszvjoph cav vji upi zua esi qezoph ugg. Og zua vsz vu vedlmi emm vjsii ev vji teni voni ov hsievmz opdsietit vji enuapv ug voni vu qezugg ficv.

-Gopemmz, fu puv ohpusi dsifovust xjip vjiz demm. Pux ot zuas citv djepdi vu neli e fiem.


Et O vjopl ug nusi, O'mm miv zua lpux. Vjot ot emm opgu gsun jimqoph nz simevowit xovjop vji metv 2-3 xiilt.