i'm in a bind and really need some help..
i totaled my car in february. my ex-bfrnd and i had a policy togehter for the past 2yrs but after the accident i found out he had cancelled my coverage earlier that month. i still owed over $11k on my loan and have no money to repair the car on my own. the loan has since been chrgd-off but i still need a car to get to and from work and school. i had a reposession in 1999 and still dealing with a couple of collection accounts for furniture store purchases that i defaulted on. i recently pulled my credit report and the my total debts is about $33K. can i declare bankrupcy and get a fresh start? please advise me on what my best option would be. thanks.
i totaled my car in february. my ex-bfrnd and i had a policy togehter for the past 2yrs but after the accident i found out he had cancelled my coverage earlier that month. i still owed over $11k on my loan and have no money to repair the car on my own. the loan has since been chrgd-off but i still need a car to get to and from work and school. i had a reposession in 1999 and still dealing with a couple of collection accounts for furniture store purchases that i defaulted on. i recently pulled my credit report and the my total debts is about $33K. can i declare bankrupcy and get a fresh start? please advise me on what my best option would be. thanks.