At the request of an esteemed reporter of ClubHombre, I'm putting out a request for any Bankruptcy Lawyers here to please contact me privately. Your handle will be forwarded to the member who prefers not to have the publicity of posting the request himself. If you know anyone, that may help, too.

Please use the Inbox or email to support@clubhombre.com

Oh man, that's gotta hurt (sympathy, Brother). If you do find a good lawyer, tell 'em to post an ad. I gotta feeling that one or more hombres might be in need of his services if we take too many trips south.

Talking about bankruptcy, has anyone ever done it? I've been thinking about it but have'nt come to grips with my failure yet. Some people say it was the best thing they've done while others say to try your hardest to not claim. Any opinions either way?

Bankruptcy is pathetic. File, and your failure as a man is complete.

You made a promise to pay your debt ... so keep it. You don't need to fuck whores, you need to pay your motherfucking bills.

-Superman-

MY MY !! So judgemental for a superhero !!!

There are occasionally certain life events that make it impossible to pay your motherfucking bills.

Fucking whores is a GOD given right and should not be denied to any man- even the bankrupt.

There is a reason that the credit card companies paid millions to lobby for a change in the bankruptcy laws (ie. harder to discharge credit card debt). It's because it's such a great to deal to file.

Frijolero, the system exists to make you an indentured servant. Credit companies exist to get you in debt up to your ass, so that you can spend the rest of your life working to pay them off.

Your responsibility is to yourself, not them. There is nothing better than being free of debt, and having a stockpile of cash. Look at how much you are paying out right now - imagine if that were all going into savings or investments! Do the math, my friend.

One big pitfall that I have seen screw people: make sure that you don't take out any new credit too close to your filing. If a creditor can prove that you took out a debt without the intent to pay it back, the debt can become nondischargeable.

Intent is often proven by a debt being taken out shortly before a filing. If you make a couple of payments, and then fall delinquent, and then file months later, intent would be difficult, if not impossible, to prove. If you use a credit card for a cash advance today, and file a week (or even a month) later, you are begging for problems.

If you have a mortgage you want to let go, you should stop paying a while before you file, too. It takes a while for the foreclosure to be complete, and you can live rent free during the whole process. Don't move out until you have to! Save the mortgage payments you would have been making, you will need the cash later.

Once you are free of debt, don't fall back into the same trap again. Don't let those cocksuckers own you ever again.

Also be aware that the credit card companies have been pushing for bankruptcy reform for quite some time now, and almost got it recently. For all I know, it may have already been pushed through - do your homework!

This "reform" would make it nearly impossible for wage earners to file a liquidation, which is what you would probably want, and force you into a reorganization instead (whis is probably what you DON'T want). I think the reform is stalled, but may go through sometime in the near future. Again - do your homework!!!

Please consult with a bankruptcy attorney before you make any decisions, or do ANYTHING else. At least get informed, learn your rights, and make sure you avoid any potential pitfalls.

This has been a monger service announcement.

Thanks for all the advise guys. I kinda agree with superman but at the same time I know that I'll have to do something to get ahead. The things that worry me are that I hear that employers are starting to use credit checks when hiring. Also I think that it is delta that was going to use credit checks for terrorism screening. I live up in the san francisco bay area but want to relocate to sd, and this credit situation is what's really holding me back.

I am a poster child for bad credit BUT it has never affected me in getting a job that I know they did a "background & credit check". Hell, my "background" isn't even pristine and I have always gone through unscathed.

Mr Riverphoenix

Do you know what is on your background check ?
Example will all your employment history come out ?
Like if I put Secretary of the State from 89 to 92 and it doesnt come up I guess that is a bad thing
Or is it mostly to see if you robbed a brinks trucking company in the last 5 years ?

My credit history is probably a c+
I pay most of my big bills on time. Jocannon and Ben pay the rest.

I will be 2nd job-hunting soon and this info could help me.
thanks in advance
Milky

I really have no idea the extent of various background checks but I do know unless the employer is willing to fork out BIG bucks, they are usually focused on any black marks in the state you're looking for a job. Maybe that is why I always (seem to) skate through as my nefarious days were pre-California.

Your TRW will show what jobs you had so your job histroy should be close to what your resume states.

A lot of this research is done online now as for $79, you can obtain info or find almost anyone you want.

C+, in today's debt-ridden society...you're still on the honor roll!

Been there done that. Went Chapter 11 like 10 1/2 years ago. I kept my gasoline credit cards and pay them off every month. I was able to buy cars and a house with the bankruptcy on the record. Getting unsecured credit would be hard, but that's what caused the problems in the first place right? Best advice given above is from Kendriks when he states

"Once you are free of debt, don't fall back into the same trap again. Don't let those cocksuckers own you ever again. "

Speaking of debt....has anyone had good experience with "credit advisors" or "credit consolidators"? These companies help consolidate your credit card debt into one monthly payment and reduce the interest (not to be confused with a consolidation loan). Some charge fees and some take a percentage. According to an article in the NY Times, they're being discerned by the IRS, since they're claiming to be non-profit.

Anyway, has anyone used a company like this that they've been satisfied with?

N8guy,

Tried 'em. All they do is tell you about the rights that you already have but didn't know about. They will try to put you on a budget, perhaps recommend some consolidation loans, with pretty hefty fees to get them started, and the good interest rates following. The fees are where they make their money. Here is the bottom line: If something on your credit report is legit, there isn't a damned thing you can do about it until it falls off.

Quoting Kendricks: "Once you are free of debt, don't fall back into the same trap again. Don't let those cocksuckers own you ever again."

Here here. Work your ass off to get out!