Sorry things are going poorly. If you are making big payments on a car
etc, you should sell them, unless you will need a fancy car etc for
the job you are likely to get. If you have not reached the limit on
most of your credit cards, you can use your credit cards to purchase
more necessities, thus free up some cash to (make minimum payments on
everything/that will work for only a month or two) pay a bankruptcy
lawyer.
In some locals you can file a bankrupsey without a lawyer, but I have
not talked to anyone who benefited from 'do it your self' If your debt
(not including the student loans and principal residence) is less than
$10,000, you probably should not file bankrupsey. I filled a Florida
bankrupsey 3 years ago.
In any case you should cut discetionay spending to the bone, and try
to barrow from relatives. If the credit bureaus are showing you as a
slow payer or worse, you may already have been passed over as a job
applicant. A recent bankruptsey will be less damaging to finding a job
than a poor credit rating, but it will be remembered longer. Actually
your finacial troubles are likely to persist for years after you find
a good job if you don't file bankrupsey, unless you are very frugal.
I managed to land about 50 jobs during my career. My theory was apply
100 places, and someone will hire you, perhaps because they confused
you with a different applicant. So start applying lots more places.
The way you worded the question for google is cute, but you should
appear much less colorful to most employment interviewers. Neil |
