[JoeS21]

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.

Bankruptcy is difficult. When I was a kid my dad had to claim it, and we lost our home. He had to claim it again many years later. However, it allows you to get a "fresh start" of sorts, and it is necessary sometimes.

That being said, I have no idea how the law works but it sounds shady and possibly illegal to take out tons of loans and cash advances and immediately claim bankruptcy in order to cover them. Surely doing something like that is not allowed?

[JoeS21]

Has anyone had experience racking up medical bills just before bankruptcy? I am in need of mental health counseling, neuropsychological learning disability testing (always over $2000 and never covered by my insurance), and other stuff.

While I'm not an expert on the legal aspects of what you are wanting, I do have a history of manipulating the system and I have more or less screwed over banks and big corporations in the past by overdrawing bank accounts by several hundred dollars and not paying them back or getting in debts from other companies and evading collections all because I was trying to survive since I couldn't hold down a job so I feel like I can give you a unique prospective on this.

You could take out a bunch of loans and hide the money but if you do, be certain to keep it in an untraceable medium such as cash or bitcoin because if you keep it in a bank account or even in a prepaid debit account, the government can seize the money.

Also, if you do this, I would advise against filing for bankruptcy right away. Wait months or even years to establish a history with them so it looks like you really cannot pay them back. For the best result, make small micro payments on the loan (such as $5 or $10 a week) to make them think you're making an effort.

As for the hospital debt, that would likely be easier depending on which state you reside in considering in most states, hospital debt cannot result in garnished paychecks or seized assets. If you are wanting to get loans and do the hospital method, than I would advise getting the loans first and waiting about a month or two before going to the hospital provided you aren't experiencing an immediate life threatening condition. Doing it like this builds a history that could work into your favor when you file bankruptcy because you can use the hospital stay and your mental health as a way to manipulate your way out any accountability should they have a problem with it.

I actually knew somebody who did something very similar to get out of a nasty divorce where the woman was trying to take all of the guys assets that he earned so he took out a big loan that was equal to the value of all his assets plus an extra 10 grand or so and buried it somewhere and gave the wife all of his visible assets which also included all of his loan debt and when confronted, he used his mental health history as an excuse by saying that he spent all of the money on alcohol and an expensive trip to cope with the pain of his loss and he had a history of substance abuse to prove it and last I heard, he is doing rather well for himself.

I know these tactics seem dishonest but as long as the system continues to not care about those of us with mental health issues, we must be willing to resort to any low to survive because nobody else will care anyways.

I hope I gave you some valuable insight