Adrienne Hines
Region: US
Tuesday 30 December 2025 22:19:30 GMT
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Steve D'Amico :
I'd file in a second if student loans could be discharged
2025-12-31 20:24:07
264
disappointedravioli :
Best thing I ever did was file. 18-25 year old me had no concept of financial literacy and gladly accepted capital one’s limit increases on her credit card. Never again. 😭
2025-12-31 12:29:23
124
I’mCheese :
I feel like people misunderstand me when I’m talking about 401k loans vs cashing them out. You can borrow from your 401k and I’d does nothing if you pay it back. If you cash it out you lose 40% off the top to taxes. 401k loans are great because you pay yourself back with interest
2025-12-31 21:45:45
13
Tempest AmStaffs :
i did debt consolidation instead of bankruptcy and think it was a huge mistake.
2025-12-31 20:48:27
6
hkystar35 :
#8 hits hard, especially now with how corporations are always bailed out but people are left to rot.
2025-12-31 22:31:25
26
zevonsfan :
Been there when I was married, during the 08 recession. We ended up walking away from our house after the Ch 13, didn’t even put it in the filing, or our car, just let the bank take it back. Our attorney told us to. Rented a house. I’m now divorced and I own my own home and my Fico is 840, my vehicle will be paid off in 6 months. I never pay interest on my credit cards. You can rebuild.
2025-12-31 15:42:15
35
Michael Perkins :
Considering it. Only for credit cards. They kept us afloat during my wife's cancer battle as I became unemployed at the same time. Advice?
2025-12-31 12:00:40
11
Aaron 🇹🇹 :
Does this work for private student loans or…
2025-12-31 17:24:06
9
theserasiren :
I’m a renter. I’m afraid we wont be able to leave our current (already too small) apartment if we file.
2026-01-01 16:18:49
3
Jamie :
I filed chapter 13 in Ga in May, approved by the courts in Oct. during that time, my credit score jumped up nearly 50 points, and already getting credit offers.. though, I know I am blocked from credit for a bit. Yes my pay check garnishment hurts, BUT my home and vehicles are safe.
2025-12-31 13:43:18
5
sircharlesfrederick :
Taking from your 401k isn’t that bad if you have 30 more years to keep stacking on it
2025-12-31 21:13:06
5
Steez :
Bankruptcy is literally written into the Constitution!
2025-12-31 21:43:25
23
Screaming Possum Minge *ੈ✩‧₊˚ :
I filed chapter 7 myself in June. we kept our house and two cash cars. We also filed an adversary proceeding and just got our student loans wiped too. Best decision we ever made. Our scores are back in the 660s
2025-12-31 16:19:13
11
rckless_79 :
you forgot to point out as soon as your insurance company finds out they will raise your premium to an amount you cant afford
2026-01-01 02:11:18
3
LMMT0903 :
Your page was the main reason I started to look into bankruptcy and I’m now a year into my chapter 13. Best thing I ever did.
2025-12-30 22:37:35
25
ChunchCucumbers 🇨🇱 :
#5 thats why you dont pay medical debt. Eventually they make an offer for less. Ignore it. They will continue to lower the debt until it’s practically nothing and you can afford to pay it. Also, your credit score only matters if you plan on buying a car or house so dont stress about it otherwise. It can be fixed in a year.
2025-12-31 21:18:31
6
JA :
Bankruptcy was the smartest thing I did. I kept accepting the credit increases and maxing them out in college to get by and the debt just became insurmountable. I discharged more than a years worth of earning potential in consumer debt without having to lose my car.
2025-12-31 20:15:50
27
Wendy Lynn 🌻🩷🌻 :
My husband didnt file chapter 7 with me,I dont work im on ssd and now I have to pay the trustee for my tax return because my husband spent it to pay his bills and our home taxes. And I pay my lawyer monthly. Thats just crazy!
2026-03-20 16:15:55
2
Kristin P :
Unfortunately, student loans.
2026-01-01 00:51:56
2
redz.running :
Filed TODAY! Your advice got me there.
2026-03-26 00:00:42
2
mmina2700 :
Does bankruptcy take care of student loans?
2026-01-01 17:10:31
3
itsSamantha2u :
Can I ask a question? How will I not lose my house?
2026-01-01 02:49:23
2
CountrysQueen :
My bankruptcy “budget” is unrealistic so it didn’t even help us 😭
2025-12-31 21:43:50
4
Annamajam :
My husband and I owned and operated a business together for 4 years. We're completey out of operating money. We're ready to quit but owe on a business loan. What should we do
2026-01-01 03:17:46
2
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