I live in Tennessee and saw a bankruptcy attorney last spring. He said I would have to go Ch. 13 and pay his firm 675 per month to manage my bills. I couldn't afford that amount.

Thanks, in advance, for you advice. Linda, you're in Tennessee and I'm in California. There's no way I can advise you since much about bankruptcy depends on the specific state and court. I suggest you get a free consultation with other bankruptcy attorneys in your area and see what each one says.

You'll also learn a lot that way.

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Where can you get a personal loan with no credit

Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message.

Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies - Experian, Equifax and Transunion.

This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies.

Where can you get a personal loan with no credit