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Old May 13, 2017, 12:41 PM
JoeS21 JoeS21 is offline
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Member Since: Jul 2014
Location: Boston
Posts: 450
First of all, bankruptcy sucks and I wish I didn't have to file. But since I do, and it's my first time ever doing this, what advice do you have for me?

I am worried about making ends meet in the future and have considered trying to take out as many loans, cash advances, etc. before filing and to put that money away somehow so that I still have an emergency reserve of cash. I wish there was a way to pay rent with credit cards but cannot think of any unless I were to reside in a hostel or something. Maybe there's something I could buy with credit cards (as I have many) that could be an intermediate to cash. Just trying to plan wisely as I am on my own. It also occurred to me that I should use some of the remaining credit I have to get work clothes that fit so I might be able to take a part time job. (I say "might" because I'm disabled and my ability is questionable at best.) Mostly, I'm just worried that SSDI won't be enough for future emergencies and a bankruptcy will probably result in having no credit in the future, so I'm trying to make an alternate reserve for that. Will need to move, will want to work and go to school, may need an emergency fund. I guess I will need to pay a bankruptcy attorney too who specializes, or at least handles, student loan problems. I am also open to suggestions about who to hire for that or how to find the right attorney. Please advise. Feel free to PM as well.
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