several years ago i made alot of medical bills. I then had a need for an attorney so I saw one. i was sent huge bills. (1000's of dollars). I am a student and I have several kids and their dad is not reliable to help me or in the picture. i only have a couple hundred dollars child support per month to live on. i am also not able to even afford childcare so i can work or go to school all the time i need to. I send them to relatives or firends but just the few days a week i go are too much for them aready. for this reason my classes are taking longer to finish because i have had to wait until some are online ones. we have a place to live from one of our relatives but only on the condition if I go to school full time. so, because i have no education (i left in middle of high school) i cannot get a job that will even cover childcare full time so i can go to school and pay the bills off, or become self sufficient. (the chespest childcare in my area for the kids i have would be about $75/day for just 8 hrs.... which is about the same rate of pay for a job i could get. I would have debt from that once I added the extra hour of child care for my commuting and the gas costs I'd have to pay. as it is i am on assistance (med insur. and food). I want to pay the bills off which come to a total of $18000 but I do not know how. i have notices saying that soon i will be sued if some are not paid off. Is there anywhere that offers help to people like me? any goverment program for debts?.. childcare?.... credit counseling?
two kinds of people aren't afraid of being sued and that's the really rich and the really poor. Why? because the rich can get out of it and the poor have no money to pay. So what are you worried about? Are you worried about the collectors harrassing you? They could garnish your wages if they get a judgment against you, but they can garnish only if you're working. So if you're only schooling then all they can do is call you into court (at which time you state your case that you're broke) and they either determine to garnish when you get work or to put a judgment against you which you can bring back into the court and request a payment schedule when you finally get working. You can get your GED from the internet (you may need some tutoring). Later you could go to a community college and also get a telecommuting job (so you can work from home). You can't get an appointment with Consumer Credit Counseling until you're behind in your bills but you have a way to repay them (a job). The children's dad should be paying for them. See if you can get to chat with a family law attorney for free and ask if they can get the dad to send you money. Usually they can do that or they will put him in jail. Maybe he just can't now since the economy is still poor but Bernake says we're starting to come out of a recession and people should start getting back to work in six months or so.
