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Personal Bankruptcy Options

Does anyone else out here have to work a second job just to pay their bills? Sometimes I wonder if personal bankruptcy would be a better answer because two to three jobs is wearing me out. Is bankruptcy Biblical for a Christian in these times?

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 ---Becky on 10/26/08
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iam on disability and unable too work,I filed because i could no longer work,and mt income was so far below what was needed too pay my debts it was that being said God doesn,t want a disabled man who cant work too be harassed by debt when there is a legal recourse.also biblically debts are too be forgiven ,as jesus said in his parable too those who cant pay.the way most of the people talk here you should work 25 hours a day before filing bankruptcy.WRONG.
---tom2 on 2/1/09

the bible says by the sweat of thy brow shall thou live - so nothing wrong with working two jobs as opposed to filing for bankruptcy. Filing for bankruptcy to me shows a lack of faith in God.
---allia9338 on 11/13/08

At this moment, I don't have an idea if God by principle says no to filing bankruptcy. But in the early scripture days, the Jews were commanded to forgive all debts, every seven years, and not to allow an approaching forgiveness date to have them holding back on loans to the poor (o: (Deuteronomy 15:1-11) Your situation can alert all of us to watch ourselves so we don't get into the situation you are in. I'd say, check yourself for tendencies that got you into your situation, and start now to learn to deal with these and do better, so you are ready to do better if/when you get out of debt so you stay there (o:
---Bill_bila5659 on 10/31/08

I am in the same position as you are. I tried to consolidate my debts with a Christian company that got destroyed in Hurrican Rita years ago. I decided to file for bankruptcy. My credit rating is already shot, and I paid off a huge portion of my debts already, as I was in credit consolidation for years before making this painful decision.

I will make payments to a trustee who will distribute portions of that payment to the creditors. After a certain amount of time, the debts will then be discharged.

Unfortunately, the debts are the result of symptoms of a mental illness that I have had that went undiagnosed till recently. I just wish Christians here were less condemning and more sensitive.
---Sister on 10/30/08

I Think Working two or three jobs is too stressful,i feel that working one job would be better to help you pay bills and file bankrupcty!
---Elizabeth on 10/30/08

No bankruptcy is not Biblical as the sons of the soil one must work for their living & also can contribute as a team & work together.
---bosca4747 on 10/30/08

Becky...Many people don't want to sacrifice anything to get out of cell phones, computers, latest electronic gadgets, big screen televisions, etc. Start selling off anything that you don't need to be comfortable. That should help.
---SusieB on 10/28/08

Have you tried having a garage sale to avoid filing for bankruptcy? You would be amazed how much money can be raised from things you don't need.
---Jimbo on 10/28/08

Hey hun have you just tried to reduce your spending on things you really don't need and then you will not have to file for bankruptcy or work two jobs.
---Jill on 10/28/08

The forgiveness of Debts is a valid Christian action and Christ told a parable about it.

Bankruptcy is a legal option an Individual or Corporation can seek for an irrecoverable debt burden.

You will need the assistance of a competent attorney licensed to practice before the federal bar to represent you. It is a lawful option and if it is the best alternative in your case use it.
---Phil_the_Elder on 10/27/08

Just think of it this way. When those bills start getting paid off, you can drop the extra jobs.
---SusieB on 10/27/08

My husband has to work two jobs just to make ends meet. He is a Deputy Sheriff and they make around $16,000-$17,000 a year. It isn't a whole lot. The Sheriff's department put a raise for his Deputies on the ballet for people in our County to vote. Hopefully it will pass. They have tried to get a raise by going to the board of directors, and they said no. But yet they make $30,000-$40,000 a year and have two meetings once a month. I am trying to start my own business doing background checks.
---Rebecca_D on 10/27/08

I don't think filing for personal bankruptcy is ever the answer. If you owe the money, then work the jobs until the loans are paid off and forget about filing for personal bankruptcy.
---Tom on 10/26/08

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