Discussion | Articles | Blogs | Books | Contact Us | Chat | Shop | autism reality - documentary
  WrongPlanet.net
User Stats
To keep our community running smoothly we need your support.
Become a monthly supporter!

   Members: 34,130
   Online Now: 589



People Online:
Visitors: 439
Members: 150
New Today: 14
New Yesterday: 23
Latest: Mosaicofminds

  Aspie Affection
Support Wrong Planet!
well, just got fired. what now, bankruptcy?
1, 2, 3  Next  
 
Post new topic   Reply to topic    Wrong Planet Forums Forum Index -> Work and finding a Job
View previous topic :: View next topic  
Author Message
Ivanov_Kuznetsov
Snowy Owl
Snowy Owl


Joined: Aug 02, 2008
Posts: 135

PostPosted: Sat Feb 21, 2009 6:57 pm    Post subject: well, just got fired. what now, bankruptcy? Reply with quote

I finally got the axe at work. I had been paranoid for a while, seeing the non-literal "writing on the wall" that my grandmother calls it. I think they were just looking for an excuse to fire the eccentric guy that nobody got along with socially and finally found that excuse when i breached the "miss a day, call in that morning" procedure because my alarm clock did not function morning after my boss wrote me up for missing days, during which, I was too sick to get out of bed and was in constant contact electronically (email on my old phone).

Now, I'm jobless; there are no IT jobs with enough pay that I'm qualified for where I live. I've checked all the major universities in my state and have checked all the big job sites but have found nothing. I've put out a few feelers within the small group of people I know to see if anything comes up but have heard nothing so far. This is a great time to be jobless, especially since I was just about to lose my mind from not making enough money, much less, not making any: See financial problems post here.

I filed for unemployment and have attempted to renegotiate lower interest rates on all my debts but have yet to be successful. One of the credit card companies actually hung up on me twice once I finally got through to a human. I've sent them paper mail after that and am hoping something good comes of it, especially since I threatened bankruptcy if we were not able to come to a mutually beneficial agreement.

I've been selling everything I can get my hands on and haven't turned down a single side job since I got laid off. Some days I hardly want to get out of bed for being so depressed, but I guess that's not an excuse. My insurance will be gone by May 15th, so at this point, I have no idea how I will afford my medications. Even with insurance, I pay about 200-300 per month. I've considered taking all my remaining assets, liquidating them, and using the money to seek asylum for mental health treatment in some north-western european country, but my contacts have been telling me that things are just as bad over there.

At this stage, unless I can be making about 3,000 per month, bare minimum there, I will be bankrupt within 30-60 days. With unemployment, if I cannot find a job, I will be bankrupt in about 45-90 days, but there is no guarantee that I will receive unemployment compensation.

My dream job would be probably working, living, and studying at some large university. This would eliminate the morning/evening rush-hour commute, which nearly makes me insane. Being able to study for a free or reduced rate would be quite nice, and I figure that there is a much better chance of finding more of "my species" at a university, perhaps even a suitable mate, than from the general public. I don't really care where the Uni is at this point as long as they can pay about 50k USD per year or more for IT work and have some sort of arrangement for living on campus.

Any thoughts, suggestions, or enlightened insights? I'm lost.
Back to top
View user's profile Send private message
Ivanov_Kuznetsov
Snowy Owl
Snowy Owl


Joined: Aug 02, 2008
Posts: 135

PostPosted: Sat Feb 21, 2009 7:28 pm    Post subject: Reply with quote

I appreciate your advice. Since most of the government has been lying to me for all my life, I figure it's the least I can do to imitate my authority figures by doing the same in my communications to them. I've been trying to reach out to various community resource groups for employment options for a few hours now without return on my time investment.
Back to top
View user's profile Send private message
Learning2Survive
Phoenix
Phoenix


Joined: Feb 20, 2009
Age: 22
Posts: 1777

PostPosted: Sat Feb 21, 2009 9:26 pm    Post subject: Reply with quote

Ivanov_Kuznetsov wrote:
I appreciate your advice. Since most of the government has been lying to me for all my life, I figure it's the least I can do to imitate my authority figures by doing the same in my communications to them. I've been trying to reach out to various community resource groups for employment options for a few hours now without return on my time investment.


Ivan, first I am a fellow Russian immigrant too! You are one of millions of victims of the mortgage bubble. But you have opportunities. Rent out your house to room mates. lots of them. russian illegal immigrants. get thirty of them to pay you $100 per month to sleep, shower, eat in your house and you will be all set. start by calling the local russian store and telling exactly what you are doing - offering cheap rent. napishi obiavlenie pro deshevii rent na russkom iazike i poves ego v russkom magazine.
Back to top
View user's profile Send private message
Ivanov_Kuznetsov
Snowy Owl
Snowy Owl


Joined: Aug 02, 2008
Posts: 135

PostPosted: Sun Feb 22, 2009 8:01 pm    Post subject: Reply with quote

I sold about 80-90% of all my stock parts and such today for about 840 USD and received notice that I will get unemployment. However, considering that it's only about 25% of my former income, that won't help me much right now. I'm still looking for work and haven't gotten replies to the folks I've sent my resume to. I can pretty much expect to lose any hope of maintaining a decent credit score.

If I cannot get 2-3 room mates, each paying 400-500 per month, then my only choice is to move out of the house and sell it or try to rent it. If all renting efforts fail and if I cannot find a job, which is quite likely, I will be losing the house, pretty much anything I have left that's worth anything. I know I should be thankful to be alive right now and have decent amounts of food, but I just don't feel that way, not quite sure why.
Back to top
View user's profile Send private message
Learning2Survive
Phoenix
Phoenix


Joined: Feb 20, 2009
Age: 22
Posts: 1777

PostPosted: Mon Feb 23, 2009 12:06 am    Post subject: Reply with quote

yes room mates might help you pay for rent.
Back to top
View user's profile Send private message
Dussel
Phoenix
Phoenix


Joined: Jan 20, 2009
Posts: 1790
Location: London (UK)

PostPosted: Mon Feb 23, 2009 5:47 am    Post subject: Reply with quote

Bankruptcy does not come that easy. Lenders are normally reluctant to let declare someone bankrupt, because they loose in this way mostly all their claims and the borrower is protected against further claims.

It is even, depending on your circumstances, possible to put pressure on your lenders by saying that if they are not willing to enter into a agreement regarding lower interests, pausing payments or writing down parts of their claims that you would declare yourself bankrupt.

You need to be very cold-blooded - your lenders are too!
Back to top
View user's profile Send private message
ruennsheng
Lions Fan!
Phoenix


Joined: Feb 05, 2009
Age: 19
Posts: 3361
Location: Singapore

PostPosted: Mon Feb 23, 2009 6:53 am    Post subject: Reply with quote

So pay up, dude:)
Back to top
View user's profile Send private message Send e-mail Visit poster's website Yahoo Messenger MSN Messenger
Master_Shake
Toucan
Toucan


Joined: Feb 21, 2009
Age: 26
Posts: 262
Location: Michigan, United States

PostPosted: Mon Feb 23, 2009 9:28 am    Post subject: Reply with quote

I too have been thinking of declaring bankruptcy. The problem is: doesn't one need money to hire a bankruptcy lawyer? So how the hell do you declare bankruptcy when you don't have any money. The people who don't have any money are the one's who need to declare bankruptcy. This is so stupid.
Back to top
View user's profile Send private message
Dussel
Phoenix
Phoenix


Joined: Jan 20, 2009
Posts: 1790
Location: London (UK)

PostPosted: Mon Feb 23, 2009 10:34 am    Post subject: Reply with quote

Master_Shake wrote:
I too have been thinking of declaring bankruptcy. The problem is: doesn't one need money to hire a bankruptcy lawyer?


I do not know how the process is done in the US but in the UK you can go directly to the court and only had to pay the court fees.
Back to top
View user's profile Send private message
0_equals_true
Genuine Charlatan
Phoenix


Joined: Apr 06, 2007
Age: 27
Posts: 7297
Location: London

PostPosted: Mon Feb 23, 2009 10:51 am    Post subject: Reply with quote

Insolvency and bankruptcy are different. One concerns companies and will normally ban the majority owner from trading for a while. Personal bankruptcy with full liability can be swifter i think.
_________________
Nobody's mom
Back to top
View user's profile Send private message
Master_Shake
Toucan
Toucan


Joined: Feb 21, 2009
Age: 26
Posts: 262
Location: Michigan, United States

PostPosted: Mon Feb 23, 2009 11:25 am    Post subject: Reply with quote

Quote:
I do not know how the process is done in the US but in the UK you can go directly to the court and only had to pay the court fees.


Oh thanks. Where I go to see my caseworker there is a lawyer who gives free advice. I will look into it.


Last edited by Master_Shake on Thu Feb 26, 2009 11:42 am; edited 1 time in total
Back to top
View user's profile Send private message
Dussel
Phoenix
Phoenix


Joined: Jan 20, 2009
Posts: 1790
Location: London (UK)

PostPosted: Mon Feb 23, 2009 11:33 am    Post subject: Reply with quote

0_equals_true wrote:
Insolvency and bankruptcy are different. One concerns companies and will normally ban the majority owner from trading for a while. Personal bankruptcy with full liability can be swifter i think.


Personal in the UK means roughly that all your assets except elementary items and items which are not worth to bring to auction and all income above a basic standard of living will be used to pay your creditors. After a year you will be "discharged" and all remaining liabilities will be written off by the court.
Back to top
View user's profile Send private message
0_equals_true
Genuine Charlatan
Phoenix


Joined: Apr 06, 2007
Age: 27
Posts: 7297
Location: London

PostPosted: Mon Feb 23, 2009 1:46 pm    Post subject: Reply with quote

Aslo with insolvency, there is nothing to stop you getting someone else to run a company for you, but you would have to trust them. But then again why would they trust you? Which is why it generally happens within families of delboys
_________________
Nobody's mom
Back to top
View user's profile Send private message
Ivanov_Kuznetsov
Snowy Owl
Snowy Owl


Joined: Aug 02, 2008
Posts: 135

PostPosted: Mon Feb 23, 2009 5:26 pm    Post subject: Reply with quote

Dussel wrote:
Bankruptcy does not come that easy. Lenders are normally reluctant to let declare someone bankrupt, because they loose in this way mostly all their claims and the borrower is protected against further claims.

It is even, depending on your circumstances, possible to put pressure on your lenders by saying that if they are not willing to enter into a agreement regarding lower interests, pausing payments or writing down parts of their claims that you would declare yourself bankrupt.

You need to be very cold-blooded - your lenders are too!


^^^That's exactly the paraphrasing of the letters I sent my mortgage company and the companies who own my credit card debt. I have not yet received a response but am hoping for the best, despite the high probability of the best not happening.
Back to top
View user's profile Send private message
Display posts from previous:   
Post new topic   Reply to topic    Wrong Planet Forums Forum Index -> Work and finding a Job All times are GMT - 5 Hours
1, 2, 3  Next  
Page 1 of 3

 
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum

Wrong PlanetTM Copyright 2004-2010, Alex Plank and Yellow Sneaker Media, LLC
Alex Plank  Aspie Affection 

Terms of Service - You must read this as a user of Wrong Planet

RSS Feed Add to Google Add to My Yahoo!

Subscribe: Wrong Planet News  Wrong Planet Forums

Privacy Policy

Asperger's is not a disease

fine art


Enter your name and number below to call Alex Plank, Wrong Planet developer: