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I'm in some real serious financial trouble.........

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Posted 7/9/2014 12:47 AM (GMT 0)
Hi All.

As most of you know I have been fairly quiet over the past 6 months or so. I haven't posted a lot. I have had a lot on my plate financially, which has really made my depression so much worse. And when it gets that way, I withdraw. Anyway, I got a notice in the mail today which is bringing everything to a head. I need some thoughts or advice on how to proceed. So if anyone can take a minute or two to share some thoughts I would greatly appreciate it!

Without writing a whole book on how I got in this position, I need to quickly find an attorney that can discuss bankruptcy with me and deal with a quite large tax bill from my town from my home that I had to leave 3 years ago, and was foreclosed on 2 months ago. (I received this bill today). They want payment on August 1st and I don't have it. I am also not in a position to set up a payment plan as I have nothing left to "share".

For 3 to 4 thousand I can hire an attorney, but I don't have the funds for this. I live in Connecticut. How do I go about researching to find a pro-bono attorney for this, if there is even someone who does do this?

I am sick to my stomach right now. This notice is the final straw for me. I have borrowed a decent amount of money from my parents who are in retirement already and to be honest I would rather *&! than ask them for further assistance.

Last, please don't judge me for this request. I promise I have already been more judgmental of myself than anyone else could probably be. I'm just too panicked right now to think clearly.

Thanks,
Cass
Posted 7/9/2014 3:15 AM (GMT 0)
Hi Cass,

I'm sorry that you have a lot on your plate financially, that's a struggle many of us face at one time or another so there is definitely no way no one can judge you. We have all been there and it can make our depression so much worse.

Have you tried legal aid in Connecticut? They help with a lot of non-criminal problems like family, employment, public benefits, housing and consumer problems like bankruptcy.

I don't want that notice to be the final straw for you, I'm hoping there has to be some resources out there that can help for free.

I hope you aren't still too panicked, I hope you're feeling a little better.
Posted 7/9/2014 8:50 AM (GMT 0)
Hey Cass,

I'm so sorry to hear of your troubles. I'm in the exact same boat.

I found my attorney through a friend. Not many know of my situation, but I've shared with a few. One confided she had to file a few years back.

Here in Texas, it's about $2000 for an attorney and all the fees associated with filing. He's letting me pay it out. I understand this isn't an option for you though.

Do you have a local university that has a law center. Here in Houston we do. They offer free legal services.

I'm sorry I can't help more.

And please stop beating yourself up- I'm finding there are a ton of people in this position. It's just not discussed.

Hugs!
Posted 7/9/2014 10:19 AM (GMT 0)
Hi Cass,

I was in trouble a few years back. I couldn't file bankruptcy because I owned my home. I didn't want to lose it. But I was able to settle a lot of debt for half out of court. The attorney charged me 200.00 for every time. Often it was lower than half. .25 on a dollar on one. So do talk to an attorney. Some of them I ignored completely and they left me alone. I hope you get this resolved with not too much stress. Hang in there...

Hugs, Karen...
Posted 7/9/2014 1:10 PM (GMT 0)
Cass,

Everyone has already given you all my ideas. The University Law students sound scarey, but in fact is good, the interns are so focused on you and doing a good job, it is so rare they make a mistake. Some, even look for the legal loop holes.

No judgement here. We all have our baggage and have to carry it til it is empty. You will get through this. Have faith in yourself.
It is only month. The worse, I think they could do is put a lean on your pay check.

You are a good person, remember that!

Peace and strength
Trina
Posted 7/9/2014 4:42 PM (GMT 0)
Hi Cass,

Can't think of anything else to offer as there are helpful replies already, if I do think of something I'll post.

So true, lot's of folks in the same position, they just don't talk about it, we are having awful financial problems and are just making it, oatmeal for dinner sometimes and that's okay, lot's of medical bills piling up from accident, people calling...very stressful.

Please don't be hard on yourself, one foot in front of the other....hugs..
Posted 7/10/2014 9:25 AM (GMT 0)
sending healing thoughts your way. i went through a community legal centre that put me onto a agency, there never advertised, as you know the reasonswhy but i was saved from a dire situation. sorry spelling and stuff - bad vision, not so crash hot at the moment.
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