Join the Meeting Place for Moms!
Talk to other moms, share advice, and have fun!

(minimum 6 characters)

Mom Confessions Mom Confessions

what to do when i can't afford to pay all my bills?

Posted by on Apr. 21, 2013 at 5:49 PM
  • 61 Replies
I am about $6000 in debt...... I can't afford to pay all my bills each month and I'm at a loss. I have no idea what to do... I am part of a debt management program and I pay $250 a month towards that. But I took out a payday loan (yes, stupid mistake) because I had an emergency.....now I can't afford to pay these people either! I don't think $6000 is enough to file bankruptcy.... But maybe it is...
Posted on the NEW CafeMom Mobile
by on Apr. 21, 2013 at 5:49 PM
Add your quick reply below:
You must be a member to reply to this post.
Replies (1-10):
lapcounter
by Queen Mom on Apr. 21, 2013 at 5:50 PM
Not sure, contact an attorney.
Posted on CafeMom Mobile
LilliesValley
by on Apr. 21, 2013 at 5:52 PM
3 moms liked this
Contact your people that you are working with debt management wise. It sounds like they either aren't being helpful or not doing a good job. I wouldn't file for bankruptcy for 6k though.
Posted on the NEW CafeMom Mobile
Nicoleb9
by Emerald Member on Apr. 21, 2013 at 5:52 PM
2 moms liked this
There's no set amount to justify bankruptcy. It depends on your specific circumstances. Your $6k could be someone else's $60k. If you're in a bind you can't realistically get out of, it's no different.
Posted on CafeMom Mobile
waffa
by on Apr. 21, 2013 at 5:52 PM
1 mom liked this
6K isn't enough to file BK and throw your credit out the window for 7+ years. My advice is to contact the people you owe money to and try to work out payments to the best of you ability
Quoting _AshlynNicole:

I am about $6000 in debt...... I can't afford to pay all my bills each month and I'm at a loss. I have no idea what to do... I am part of a debt management program and I pay $250 a month towards that. But I took out a payday loan (yes, stupid mistake) because I had an emergency.....now I can't afford to pay these people either! I don't think $6000 is enough to file bankruptcy.... But maybe it is...

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Beware! Thar be trolls in these here threads. wink

jbirdsladie27
by on Apr. 21, 2013 at 5:54 PM
1 mom liked this
Get another job if it's at all possible.
Posted on the NEW CafeMom Mobile
M0M0F3B0YS82
by on Apr. 21, 2013 at 5:55 PM
1 mom liked this
First call the debt management place and see if they can't help also try to minimize your wants/needs cable, cell phone, Internet cut them out so you have that to use for bills

6k isn't work 7+yrs of bankruptcy on your record
Posted on the NEW CafeMom Mobile
Anonymous
by Anonymous 1 on Apr. 21, 2013 at 5:55 PM
None of us can tell you what to do when we don't know how much you make or how much you pay in bills?

Can you do a yard sale? Look for a second job? Reduce your bills? Sell stuff? Cut back? We need to know specifics if you want a specific answer.
_AshlynNicole
by on Apr. 21, 2013 at 5:56 PM
I would if I could, but I already work full time Monday through Friday and go to school at night. My mother will not watch my DD if I get another job because she already thinks I don't spend enough time with her. Believe me I wish I could though!

Quoting jbirdsladie27:

Get another job if it's at all possible.
Posted on the NEW CafeMom Mobile
Anonymous
by Anonymous 2 on Apr. 21, 2013 at 5:56 PM

is there a minimum you can pay on each bill? Not that I condone it, and hate that I had to, last year we had some trouble, and I was only paying a small portion of every bill, just to keep it on. 

jbirdsladie27
by on Apr. 21, 2013 at 5:57 PM
I'm sorry to hear that.
I hope you work it all out soon.

Quoting _AshlynNicole:I would if I could, but I already work full time Monday through Friday and go to school at night. My mother will not watch my DD if I get another job because she already thinks I don't spend enough time with her. Believe me I wish I could though!


Quoting jbirdsladie27:

Get another job if it's at all possible.
Posted on the NEW CafeMom Mobile
Add your quick reply below:
You must be a member to reply to this post.
Join the Meeting Place for Moms!
Talk to other moms, share advice, and have fun!

(minimum 6 characters)

close Join now to connect to
other members!
Connect with Facebook or Sign Up Using Email

Already Joined? LOG IN