I'm new to this I'm sorry if I'm doing something wrong. HELP!! I was talking to this andquot;debt consolidationandquot; lady on the phone today but of course they can't help me with the type of debt that i have. But I mentioned to her that I am currently in Bankruptcy cuz she mentioned that it was the only way that she thought I could get out of my mess. She said andquot;well add them on to itandquot;. I felt so good when she said that! The thought that I could resolve this MESS, with that just made my day but I'm not sure if it's possible? She advised me to consult my attorney. I don't have an attorney I filled on my own, I just went to a document preparation office to get my BK ready and I filed the paper work my self. But I was wondering if anyone knows if it's possible to amend my BK even tho I'm already about 1 year into it?? I was discharged in 07/2006 so it's over a year. Here's my story. I'm only 24, I was in a long term relationship and had a child with this person. I depended on his financial assistance to make it. To make a long story short he left, and left all the bills that happened to be under my name to me he didn't help with anything he just vanished. I lost my apartment, my car, everything. I had a collateral loan on my car but before they came to take it away the parking ppl took it for unpaid parking tickets. It was just a mess, I had to move back with family and was so depressed I had lost my job. I was very stressed out and didn't know what to do I knew that if I got a job all my wages would be garnished and I would never get out of the mess. I was on government aid for about 4 months while on it I decided that my best option was to file bankruptcy before the new laws that where going to make it more difficult yo file came in effect. So I did I didn't even owe too much now that I think about it I think it was about USD12,000 to USD17,000 I'm not at home right now and I don't know off the top of my head. Anywho I got my self into a andquot;biggerandquot; mess, after all that was done and I was discharged like in July of 2006 I think. I got a okay job and I was ok, I was finally able to have money in my pocket to support my self and my son. The job that I had gotten was a little far about 1 1/2 on the city bus. I was searching high and low for someone that would help me get a car, and with my new bk being discharged car dealers where sending me proportions like crazy. So I finally got a car for about USD13,000 in about November of 2006, it's ok not really a car that I like but it's something to get around in and that's what is important to me. In order to put the money down I got this loan that at the time seemed like a good idea with a place called andquot;cash callandquot; BAD IDEA!! It was a loan for USD2600.00 my payments weren't too bad but I never really looked at the interest rate I think it was like 97%!! After that I was faced with debt again the parking tickets that I hadn't paid came out and they where threatening me to tow my new car if I didn't pay it was allot like USD900.00. I didn't have that money I was paying off my first months car payment the insurance and all the other usual bills. So I freaked out and got another andquot;installment loanandquot; with a place called andquot;check n' goandquot; for about USD1600.00! This place was soo bad they took out money from every check every 2 weeks! they where taking about USD360 each check. It began to eat at me and I was being late on other bills and falling behind it seemed like a good idea to get a PDL and it was working out well for a while. I would get one pay another bill and have money till payday then I would go and pay them all back and be broke again. Then I found my self not having money for other bills and it seemed easy to open another payday loan somewhere else that was due on another day to pay of this one and it just turned in to a cycle. I currently owe this,(not counting my car) after all the fees added for being late and NSF there more than what they where when I go them: INSTALLMENT LOANS Cash Call (Installment loan) USD2700.00 Check n' go (Installment loan in collections) USD1700.00 Bnk of America (overdrafts in collections) USD3,000.00 STATE FRONT PDL'S Speedy Cash USD320.00 Cash N' Run USD320.00 The Check Cashing Pl. USD320.00 ONLINE PDL'S GFSL USD280.00 (they claim I owe them USD600+ but I was able to talk them down. After sending them letters that I found on these forums, still more than I owe them but I'll take it) Dollar Quick USD630.00 SGM Marketing USD300.00 Zip cash USD200.00 MTE Rio USD390.00 One Step Cash USD350.00 Payday 1 USD200.00 AIP USD250.00 Loan Shop/Express Cash USD300.00 (these guys are bad!! They weren't able to get my money on the first attempt to debt my account cuz it was overdrawn, so they tried again on another day with a different company name! I disputed it as fraud cuz they where not authorized to touch my account and the bank did a reversal. That was like 3 to 4 months ago, just recently like 4 or 6 weeks ago they tried going into my new bank account that I never even mentioned to anyone about. They tried getting the USD390.00 from there. I had tried faxing and emailing on several occasions to them and the others on here to show me in witting an itemized summery of what they andquot;claimedandquot; I owed them. I never heard back from most of them but these guys are LOW!) CREDIT CARDS Aspen Visa USD700.00 Continental Finance MC USD200.00 Needles to say I can't afford to pay this it's just driving me crazy and Cash call keeps harassing me almost daily so I pay them what I can when I can. I even got my auto insurance canceled for a few months for trying to pay some of tease ppl off. I just can't do it anymore, I'm so depressed and I can't find a way out. ...read full story