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 Does £95 p/m sound reasonable for electric bills when only using basic utilities?
I have a gas fire which i use to heat up my living room so there is no electric heaters. I only use my electricity for basic utilities, i.e, shower, cooker, fridge, freezer, washer, TV, PC, etc....


 Would u rather have alot of luxury (but no $) or alot of $, but no luxury?
i use to have alot of $ in the bank..but never had anything to show for..
i always envied people who had those expensive cars..and had their own place..and what not..

i decided to ...


 In over my head with debt...need advice?
I have around $20,000 in debt right now and make about $38,000 I am living at home to try to get this down but have fallen behind on payments and feel like I am in over my head. I am 28 and want to ...


 How can i make 20 dollars fast in 1 day??
Hi i need 20 dollars fast like in 1 or 2 days please dont say babisiting or enithing like that. A garage sale wont worck for me and nither will doning shores around the house any ideas?? thanks!
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 What is the point of a credit card?
basically you end up paying $15.00 for what is only worth $8.00 (talking about interest)...


 What changes would occur in your way of life if you were forced to live ina cash only economy??
AND COULD NEVER UsE A CREDIT CARD AGAIN.... WOULD THE CHANGES IN YOUR LIFE FOR THE BETTER OR WORSE....


 PTC (Paid To Click)?
PTC website is a Spam or does it really pay.If it had really paid u can u give me the proof.And website name....


 I need a $600-$1000 personal loan......?
Here is the thing. My friend wants to sell me his car and I need about that much money to get the car and for the title transfer. I work under the table and my credit isnt all that great....can ...


 How do I come up with 5,399 dollars before Febuary.For a trip to Europe.?

Additional Details
Im only 14...


 What happens if?
Your bank account balance goes negative and you never pay it back to the bank?...


 How much do you spend on your weekly shop?
i'm just curious there's 2 adults and 1 child in my household i spend roughly about 40-50pounds.
but everyone else i know spend nearer 100,
i don't understand how they need ...


 Maxed out all my loans, no money in the bank and need to live for 6 weeks before my first paycheck, help?
Ok, so I'm a 4th year med student, maxed out my school loans for the year, will leave with around 160k in loans. Will run out of money at the end of May right after graduation and will get my ...


 How much is your personal debt?
How much money do you owe? Do your assets outweigh your amount of debt?
Additional Details
LJ if you dont like it dont answer it.
No one needs to know anyone's identifying ...


 How not to be tempted to use a credit card when shopping?
how not to spend money when ...


 What makes the Americans spend the money they dont have, and force them to borrow from expensive sources.?
I am in this country not for long, and I have observed that Americans have a tendency to spend money that they dont have and therfore most of them are under heavy credit card or other debts.
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 How old are you and how much would your net worth have to be to make you retire tomorrow?
I'm between 30 and 40. I used to think if i were worth 400,000 pounds, I would retire. But now with house prices, it doesn't seem such a good idea. All theoretical any how. How about you?...


 If I gave you $2000 what would you do with it?
After taxes. Cash.
Additional Details
Make me want to give it to you by putting a compelling answer....


 Do you save up your change in a jar/container? What do you plan to use it for?
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 How can a teenager earn $200.00 in two weeks?
I'm able to get a new phone so i'm getting the LG Dare. Now that will set me back $200.00. I was wondering if you could give me ideas on what to do to make money in Iowa, besides getting a ...


 How much money is enough to live comfortably for the rest of your life? And whay would you use it for?
...



pghbob555
Can I declare bankruptcy on my student loans?
                     
 




mrs.izabel
No, you have to pay it off... even if it takes 30 years.


curious115
in your dreams


SoCal Attorney
Rating
Most student loans are presumed to be nondischargeable in bankruptcy. However, you can file and adversary proceeding within your bankruptcy to determine if it can be discharged. You must how EXTREME economic hardship and this is nearly impossible to prove. If you can breathe and hold any type of job, chances are you won't be able to get a discharge of the student loan.

And contrary to what somebody else posted, Chapter 11 has NOT be eliminated.


Eye of Sauron
Bankruptcy does not get rid of debts anymore. It requires you to go through credit counseling. If nothing can be worked out of it you might can wipe the debts off partially. The law has changed in favor of creditors now and no longer protects consumers.

However student loans are very different than regular credit obligations. They are treated more like taxes than credit so I think that they are protected from bankruptcy even under the old law. Reason is they are government backed loans. If you dont pay it, they will take any money you make off of lotteries, house, boat or car sales that you make money off of. Anything of title.

However it is very, very easy to refinance student loans, consolidate them into real easy payments.


Frank Castle
Rating
I strongly suggest you not to file for bankruptcy


GuyaneseGyal
Nope lol...


mx3baby
Rating
Wouldn't that make life so much easier!


jloo617
Rating
nope, my friend just filed bankruptcy and that was the only thing he couldn't get rid of


snidy
Nope


Who dat
No. Not allowed, they will haunt you until you pay them off.


platini39
Rating
You can not get rid of any loans that you have out anymore. Legislation was signed just before the New Year getting rid of Chapter 11 bankruptcy. Chapter 11 allowed you to declare bankruptcy and it would sort of get rid of all your debt. Apparently according to the other answers it did not include student loans. Chapter 11 though is no more. And for good reason. You should have to pay back your debt. Get a job or a better paying job be a man and pay your **** back.


need help here
yes you can these people dont know what there talking about!!!!


recalltotal001
Only if you want to go to jail.


jessa_lue
nope been there done that. you'll get a fine


photofemale810
Rating
of you could get a job, and pay the damn things..i mean you obviously went to school if you have student loans.


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