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marysashley

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i need to file bankruptcy but i cant afford the fee. any suggestions
i have private loans with co-signers i am trying to remove in fact the servicer for this private student loan stated over the phone if i paid the full amount for a year straight they would remove the co-signers. now they are saying that they never had any record of it and they wont remove the co-signer because they only service the loan. well if they have the authority to deny when i ask for the removal of the co-signers then they have the authority to take them off. either way i need to get the bad credit off my history. most of it is medical bills i couldnt afford and cant afford to pay. i cant afford to pay the $1200 lawyers are charging or even doing it myself. in fact its kind of ironic you cant afford to pay your bills yet the attorney's charge that much. kind of stupid i think but nonetheless i cant afford to have this on my record nor to pay the attorney to do it.

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I'm not sure if bankruptcy is the right action for you, it is most likely that your student loans will NOT be discharged through the bankrutpcy, so you'll have ruined your credit and still have those loans in default.  I think you should Google for a non-profit consumer counseling agency near you and sit down to discuss your options with them. Best of luck!

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