May be worse case you've ever heard

iVillage Member
Registered: 06-22-2003
May be worse case you've ever heard
5
Wed, 10-27-2004 - 5:25pm
Dear Board participants.....I want to start off by saying to things. 1. I'm not sure that my situation is something that is appropriate for your board. I apologize, if I'm in the wrong area.

2. My situation, which I will try and be a brief as possible may be one of the worst cases of poor judgement and irresponsibility you've ever heard. I'm not proud of myself, and am not here to give you the why's and what-for's...no excusees...

So basically, sparing you the drama that cultivated into the situation I have now.

....4-5 years ago filed for bankruptcy..chapter 7

....a little of 2 years ago lost my home to foreclosure which I actually abandoned the property.

.... As I try to clear up my messes, I have discovered through my reseach that the county my house was foreclosed in has a 65,000 judgement against me and there are several other Leins listed as well.

.... Several bounced checks through the years are apparently on my credit report..

.... My credit is so bad, that even though I've been employed with the same company for over 10 years, I can't even qualify to rent and apt. I can't get anything...my name is completely ruined.

I have researched several legal firms that have told me that they take my case and if I want they'll challenge everything listed negatively on my report with the credit bureaus and given the FTC guidelines for Turn around times, the credit agencies most of the time end up having to write them off due to the lack of paper trail. The also seem to think that since my bankrupty is several years old, there's a good chance they can get that off as well...maybe even the foreclosure...but, having her the same pitch from other Law Firms specializing in credit issues, I did my own research on

FTC's website. Basically saying the same thing the law firms said. But, when I spoke to the law firms, I wasn't aware at that time about the 65,000 judgement against me and I don't know what to do. Those documents are public record in this particular county and since they can be viewed online, obviously the hope for no paper trail won't work in this case. The entire document is out there and can be produced by hitting "print"...

I'm going to be 40 years old. I want to just say that although I take full responsibility for this mess I'm in.....at the time of the foreclosure and reasons for abandoning the property happened during a serious, chronic medical condition my 17 year daughter was my only focus, and my family was attending to my personal matters during the 8 -10 month hospitalizations, treatments, etc she received. The condition my daughter suffered from was the result of a crime related incident in which she was a victim. <

So...I'm scared to pull my credit report, although I pretty much know what's on there. I don't know why this is so scary to me.

Does anyone have any experience with a case of this magnitude? Should I hire an atty? Will I have to refile bankruptcy due to that judgement? Will I ever have the chance to clear my name and right my wrongs before I die.

My situation is so bad that since I can't even rent an apt, I have to live in an apartment on my parents property. In the dictionary, under "LOser"---that's MY face.

Thank you for your time and if anyone has any suggestions and/or input I would be greatly appreciative.

Loser OUT!!!

iVillage Member
Registered: 10-25-2004
Wed, 10-27-2004 - 9:23pm
Sounds like you are having a hard time. I get overwhelmed sometimes, too. I've found that sometimes you just have to hang on & count your blessings. At least your folks are willing to help. I would suggest credit counseling & perhaps another lawyer-maybe find oue that does pro-bono work. I also recommend counseling and perhaps seeing a doctor about depression. I know how hard it is to find solutions or just do what you have to do to survive when you're depressed. Good luck.
Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Thu, 10-28-2004 - 2:09am

Hi there and thanks for posting!

All my best,
Danni

Avatar for cl_beckymk
iVillage Member
Registered: 03-19-2003
Thu, 10-28-2004 - 11:44am

Hugs!!!

iVillage Member
Registered: 09-21-2004
Thu, 10-28-2004 - 5:02pm
I just want to give you a big (((((((HUGGG)))))). You aren't a loser, you own up to your mistakes, realize what they are, and doesn't sound like you would ever put yourself through something like that again. I don't really have any advice but just wanted to say I hope everything works out for you. :)
iVillage Member
Registered: 08-24-2004
Mon, 11-01-2004 - 2:53pm
(((((hugs)))). You are absolutely NOT a loser. You're going through rough times, but you are not a loser. ((((((more hugs)))))