I am a working single Mom. I have been at my government job for 17 years and I have a 5 year old son. In March I was transferred to a different office, two and a half hours away from my last office. In January I filed for bankruptcy after struggling for years to pay off some old debts. Now I can't find any places to rent to me. Luckily my friend is letting me stay with her, but she won't let me pay her anything and I am feeling that I am taking advantage of friendship.
Before filing bankruptcy I tried debt management, which made things worse. Most of the debts were from 2006 and 2007, when my exbf and I were together. I went heavily into debt taking care ofhis 3 sons after their mother abandoned them in a house with no running water,no electricity and no food. He refused to try to get any assistance for them and they were eating $700 a month in food. Right after they came he got "laid off" but wasn't eligible for unemployment for some reason. Once he started working again I asked him to help me pay back the credit card bills and he told me that I was the one who wanted the kids there, he wanted to send them to foster care (which was true) and since I wanted them I could pay for them. This is a major reason we are not together anymore. Anyway, right after I ran up all this debt we got 15% paycut at work, so I went from bringing home $2600 a month down to bringing home $1900 a month.
Then my son was born and I was paying what I could but the debt management couldn't get 3 creditors to accept the plan and my payments got out of control. I stopped paying on everything except monthly living expenses. Well Last January I started having more disposable income, so I started paying some of the due bills. That was a huge mistake. Once I paid one bill off, bill collectors started coming out of the woodwork. I paid off 4 or 5 bills and then they really started getting aggressive. I had people calling at 6 in the morning, calling my Mom and sisters, it was crazy. I finally decided to file bankruptcy when I going to get sued. I can't afford a wage garnishment.
Well, had I known that you cant rent even a crappy apartment when you file bankruptcy,I probably would have waited. I have money set aside for moving, I have steady work history etc, but can't rent a place. Any ideas?