Talk to me about personal bankruptcy

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, I hear a lot of can'ts and won'ts. You've got to accept that you have to make some sacrifices. There seem to be apartments that fit your bill up in Silver Spring. Two years ago I was paying $1200 a month for daycare in downtown DC. Yes, hard to find, but no, not impossible. I'm assuming you can find something up in SS for less.

You need to learn how to increase your planning skills. How were you planning to re-pay the student loans when you got them? How were you planning to pay for child care when you became pregnant? You sound a bit entitled, but as you say, that attitude hasn't gotten you to a good place. Time for change. You can do it. Sometimes life kicks you in the ass, but you created your predicament. Luckily you have a good salary, and in 10 years you can have the student loans paid off, child will be in public school, and then you'll be in much better shape. It's not that far out.

2nd - please take some responsibility here. Your loan bills are not going to disappear, as much as you want to ignore them. You have a great income and I bet you are more than capable of paying them down if you really try.

I'm the poster who stated above that you can find a one bedroom with laundry for 1500. In DC proper there are English basement rentals for that approximate amount with their own W/D and even some/all utilities included. Look into those and you can live in a nice neighborhood for a reasonable price.

Where? They've not been on craigslist , livelovely, or realtor.com for the last 45 days. I've spent evey lunch looking. Normally there is a laundry inbuildng (basement) especially if utilities are included. I've unfortunately learned the hard way my 2 year old can not be left alone for 45 seconds it takes to dump trash no

http://washingtondc.craigslist.org/doc/apa/4164947020.html

http://washingtondc.craigslist.org/doc/apa/4170577627.html

http://washingtondc.craigslist.org/doc/apa/4178472868.html

http://washingtondc.craigslist.org/doc/apa/4177784648.html

http://washingtondc.craigslist.org/doc/apa/4159226082.html

http://washingtondc.craigslist.org/doc/apa/4171309047.html

http://washingtondc.craigslist.org/doc/apa/4141413544.html

With all due respect, you're going to have to become a little less helpless if you ever want your financial situation to improve.

You are right. These are great. I like the one on H street where I can still get my crack fix. And the one with the water stained carpet. Sure there is no mold there- toddles guys

OP, I am the one who posted those trying to genuinely help you out, but you have dismissed every helpful suggestion on this thread. Your situation will never improve until you stop playing the victim and acting so entitled. You got yourself into this predicament, so it is your responsibility to get yourself out. That's life.

[Anonymous]

Dissing all of those apts made me angry too. Oh, a spot on the carpet! Horrors! What a princess.

[Anonymous]

I can't stand people like OP.

[Anonymous]

Just marry someone rich. Problem solved OP. Seriously, why advice were you looking for? You're just rude to everyone and totally helpless. Were you looking for handouts?

[Anonymous]

OP clearly does not want help. I tried. I live in Brookland and it is a great neighborhood filled with families, growing in popularity all the time. But now I'm happy OP is not moving here!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Is your child 2? Move to Brookland, rent an apartment. Maybe no laundry in apartment, my heart bleeds for you. Deal. Get a bike with a seat for the kid. Send the kid to Scrilli School, a neighborhood daycare / preschool that everyone loves and costs $500 a month. Reduce your retirement savings until you are on your feet. You're welcome!

What do I do with the 2 year old while I do laundry? You'd be the same ahole posting here saying I was a bad mom for leaving my kid alone or calling sending her to school with dirty clothes. Furthermore Brookland has too many rapes. That is not the childhood experience she's getting.
Thanks

I assume you are not the OP because, WOW.

What do you do with the kid while you do laundry?

You walk to the washer with the kid, put the laundry in, walk back to the apt with the kid and show back up at the washer 5 minutes before it's over. What do you do with the kid at the grocery store when you have to check out? You multitask and keep an eye out. You can't be serious that laundry is a deal-breaker? I've lived in several laundry in the laundry room buildings, and in none of them did anyone stay with their laundry the whole time. Furthermore, YOU CAN FIND A $1500 ONE BEDROOM WITH LAUNDRY! You just don't have a stainless steel fridge, probably. Is that the issue, OP?

[Anonymous]

Why don't you get child support?

[Anonymous]

I dare you to find something wrong with this, OP:

1 beds below $1500 with laundry. A 1-br/den at about $1600 with laundry:
http://www.aventineforttotten.com/Floor-Plans.aspx

[Anonymous]

Those are the apartments at ft totten metro I posted about upthread. Again I have known two people that have lived there. It's a very quiet area. Great connectivity, 3 lines. Zip car at Metro. Bike able to st Ann's or Scrilli School.

[Anonymous]

OP, I'm another single mom. I'm not sure where you're living now, but do you have to live in the District? I just rented a two-bedroom, 1200-square foot unit with in-unit laundry at a condominium complex very near Tysons Corner mall, called the Colonies. Rent is about $1,600 a month plus utilities. Older community, but lots of amenities (swimming pool, fitness center, tot lot) and very safe.

There are many in-home daycares in the area that would cost around $300 a week (some a little less, some a little more.) Most offer breakfast, lunch and snacks, which is a money saver. Centers would be around $1,500 a month for a 2 year old.

The downside is that you would pretty much have to keep your car. There's no biking to work, unless you happen to work in Tysons. However, the McLean Silver Line station is opening sometime early next year and is within walking distance, so that's another commuting option for you, and you could limit your car driving to the weekends and extend your car's life.

There are other big condo complexes in the area, and if you stalk Craigslist for them, you can find some good options. Also, as someone else mentioned, you could consider Silver Spring. I don't know that area as well but I know there are options there, and a friend has her sone in a home day care that charges $800 a month.

I'm not going to bust your chops like other posters here, but now that you know student loans are not dischargeable in bankruptcy, you've got to start considering some other options. There are ways to reduce your expenses without sacrificing you and your child's safety. Good luck to you.

[Anonymous]

Anonymous wrote:OP clearly does not want help. I tried. I live in Brookland and it is a great neighborhood filled with families, growing in popularity all the time. But now I'm happy OP is not moving here!

Are you white?

[Anonymous]

Anonymous wrote:Dissing all of those apts made me angry too. Oh, a spot on the carpet! Horrors! What a princess.

It wasn't a spot it was 3 feet wide circle. Which tells you how the landlord behaves in care for the unit. And the fact they didn't bother to clean the spot or replace that portion tells you when they repair its 1/2 assed. So move into a wet mold basement apartment with a toddler? Yeah that'll save me money.

[Anonymous]

NP here. I have one child who clings to me like crazy. He gets upset if I walk around the room (that he is in) faster than he can chase after me while holding onto my leg (so I can do chores very quickly). Tough for him... As much as I love my DC, things have to get done. But I emphasize with parents who can't get anything done with even one child.

[Anonymous]

Anonymous wrote:I dare you to find something wrong with this, OP:

1 beds below $1500 with laundry. A 1-br/den at about $1600 with laundry:
http://www.aventineforttotten.com/Floor-Plans.aspx

Another big issue was that the building had a city contract to provide housing for people with mental disabilities. Of course, none of the residents (to my knowledge) had a problem with these folks living there, however they do hang out in the hallway and lounge areas and often make noise. For the first several months of our time there, I was kept awake due to my direct neighbor's loud, screaming outbursts at all hours of the night. Though it probably wouldn't have changed my decision to move in, the management should have disclosed this contract to us from the beginning. Not doing so speaks to a lack of regard for their residents / potential residents.

http://www.yelp.com/biz/aventine-fort-totten-apartments-washington

Sure seems safe for single women and a toddler. Bitch bye

[Anonymous]

oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person