Sunday, August 7, 2011

How do you file for bankruptcy when you are too broke to pay filing fees?

I am so broke. I even tried to look under the seats of my car to find enough change to buy a kid I work with a 54 cent ice cream cone he earned by good behavior and grades for 4 weeks but I did not have enough. I lied and said I forgot my money at home. So I took him to park and I owe him a ice cream next week I work for a small mental health non profit and my husband has been out of work for two years. I was able to make ends meet except for one credit card,student loan and my car. My student loan took my tax refund for the past two years but I still owe them two thousand. I had the car voluntarily repossed because I could not afford it(big mistake because now the court says owe 10000 when the loan with interest was only 6000 and I paid on it for 2 of the 4 years), The credit card got a garnishment that takes 400 a month from my pay at 25% pre tax which is more than I take home in two weeks now, and now the bank(car loan) has sued me too and wants to garnish me too but I don't make enough for them to take anymore. I am so tired of eating peanut butter sandwiches, soup, or beans that I get from the food bank. If I could find some way to file bankruptcy I would be ok, but I have no clue where to start. Any help would be great, even the info needed to file or ask for help. I just cant do this much longer.

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