tag:blogger.com,1999:blog-738048378012755564.post4835080800778862406..comments2024-03-06T03:23:51.904-08:00Comments on Surviving Middle-Aged Widowhood: Burdens Bearing DownWidow in the Middlehttp://www.blogger.com/profile/01598249263166943162noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-738048378012755564.post-10900842794366034872013-01-30T10:50:47.777-08:002013-01-30T10:50:47.777-08:00I hope you’re in a much better financial state now...I hope you’re in a much better financial state now. I know it’s hard to be making major decisions alone. Filing for bankruptcy offers financial freedom, but then, it is hard to just give up, especially if there are other financial options, no matter how risky. Did you file your case in the end?Jaden Allredhttp://www.torontobankruptcyadvice.com/consumer-proposal-ontario/noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-19741153174385367332010-03-09T12:21:31.008-08:002010-03-09T12:21:31.008-08:00wNs, Dan & Thelma - I will try and obtain some...wNs, Dan & Thelma - I will try and obtain some more legal advice, although I have been dealing with a bankruptcy attorney here in town. I will stop in his office and voice my concerns before proceeding. <br /><br />Melaka - Thank you for the link along with those you have provided in the past. I am hoping they reach others who can use them right now, not just me. <br /><br />J - Thanks for the sympathy and telling me about your friends. I know there would be relief right now but I also have to think ahead because bankruptcy tarnishes your record for so many years. I do believe that wiping the slate clean would result in a simpler life but there is so much stigma and shame to have to contend with. In my case, however, it is looking like there isn't another real viable option. Sometimes it is just better to face the inevitable rather than delay it. That might be my greatest lesson here.Widow in the Middlehttps://www.blogger.com/profile/01598249263166943162noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-79960177854919308742010-03-08T14:38:35.608-08:002010-03-08T14:38:35.608-08:00Obviously I can't comment on how it works in t...Obviously I can't comment on how it works in the US, but some close friends of mine declared bankruptcy a couple of years ago after a bad debt brought their business down. They both tell me that the sense of relief they felt after doing it was almost overwhelming. The stress of keeping everything together beforehand was tearing them apart - afterwards they found their lives much more peaceful and finances so much simpler.<br />I am so sorry you are going through all this and hope so much that whatever decision you make it gives you some peace.<br />J xxJ-in-Waleshttps://www.blogger.com/profile/02390582364341730481noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-71853982845898534002010-03-08T09:45:49.780-08:002010-03-08T09:45:49.780-08:00I found the link below to be extremely helpful in ...I found the link below to be extremely helpful in answering questions regarding Bankruptcy. I found that it can also be a good source just because you realize that this is happening to so many people. In the end, so many found that it was the best thing to do in their situations.<br /><br />www.bkforum.com<br /><br />Good Luck -<br />MelakaAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-32839138862134383332010-03-06T21:05:21.067-08:002010-03-06T21:05:21.067-08:00I agree. Find some legal help. I don't know...I agree. Find some legal help. I don't know if bankruptcy laws vary from state to state so maybe comments from out-of-state readers wouldn't apply. I hope you will find a job soon and be out of this dilemma. My thoughts are with you.thelmazhttps://www.blogger.com/profile/09819557846762852247noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-25962950186289414572010-03-06T20:00:53.486-08:002010-03-06T20:00:53.486-08:00I'm sorry your having to make this decision. ...I'm sorry your having to make this decision. I would definitely get good legal advice so that you know what your rights are. I would hope that come September you would have been working, and have a bit more security when the lease is up. <br /><br />I wish I had a business background so that I could offer some help. In place of that I will offer positive thoughts to you, and a sympathetic spirit to Macy's.<br /><br />Love. DanDanhttps://www.blogger.com/profile/02218009891182171803noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-47922663482042108142010-03-06T18:24:13.144-08:002010-03-06T18:24:13.144-08:00i would start with trying to find one of those fre...i would start with trying to find one of those free legal help clinics before actually filing for bankruptcy, explain everything and see what advice you can get. <br /><br />i do know about Macy's and their policies though. i worked for them about 9 years ago and only a handful of the employees at that store even had a Macy's card. i know that every time someone charged to their card it would come up on the computer if they were late with a payment. their fees and penalties are very harsh and back then they did sue. in the time i worked for them i had aggressively angry people come in, red-faced, in tears, with cash from their paychecks to race the clock to pay off the account and then stand there and cut up their cards in front of me. i hated my time there and found another job asap.<br /><br />try the free legal clinic and check out your options to make sure you don't go from the frying pan into the fire. but i have heard lately that filing for bankruptcy isn't the bad thing it was a decade or so ago. i keep you in my prayers always.abandonedsoulshttps://www.blogger.com/profile/06020499806998154330noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-69416140306605227792010-03-06T18:22:41.742-08:002010-03-06T18:22:41.742-08:00Thanks Vanessa for your response. You always prov...Thanks Vanessa for your response. You always provide productive feedback.Widow in the Middlehttps://www.blogger.com/profile/01598249263166943162noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-16758894181553762452010-03-06T17:12:09.819-08:002010-03-06T17:12:09.819-08:00I've lived in apartment complexes in the past,...I've lived in apartment complexes in the past, and they've never run a new credit check at lease renewal time. I would just come home at night and find my new lease stuck in the door, ready for me to sign and return to the office. <br /><br />Here's some information about wage garnishment from the Department of Labor: http://www.dol.gov/Compliance/Guide/garnish.htm. There is a limit, but it's a pretty high one. I think if it came to that, I'd take my chances with bankruptcy. I know a few people who have filed it and gone on to be OK, plus with so much economic trouble right now, I think a lot of laws are going to change. I was reading just the other night about how some states are banning employers from running credit checks on job applicants anymore.Vanessahttps://www.blogger.com/profile/07023601396140884557noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-58530252194031677702010-03-06T17:03:40.493-08:002010-03-06T17:03:40.493-08:00Your comments are very helpful, healing and apprec...Your comments are very helpful, healing and appreciated. Thank you.Widow in the Middlehttps://www.blogger.com/profile/01598249263166943162noreply@blogger.comtag:blogger.com,1999:blog-738048378012755564.post-61099671176844180652010-03-06T16:13:48.594-08:002010-03-06T16:13:48.594-08:00I don't have any answers to your questions reg...I don't have any answers to your questions regarding bankruptcy, but my sister was once in a similar position of having very little money available to pay off bills. She had just gone through a very ugly divorce from her very wealthy and abusive husband. She got nothing in the divorce and very little in child support. She had no option but to file bankruptcy - something that pained her greatly. But nearly five years out, it turned out that doing so was really the best thing she could have done. It wasn't easy, it was scary and she initially felt that in doing so she has somehow failed. Yet it lifted a great deal of stress form her shoulders and allowed her to begin again. <br /><br />Like I said - I don't have any advice for you, but hopefully you will feel a little less alone and a little less apprehensive to know that someone else out there went through bankruptcy and survived.... and even eventually thrived.<br /><br />Hang in there!Anonymousnoreply@blogger.com