Teenage Credit Card Debt

My husband and I both earn good money, we have a big morgage, another loan and credit card debt.

With two teenage kids the money just doesn't seem to stretch, I don't know where it goes.

Any helpful day to day tips on saving money would be appreciated.

Just open a savings account and treat it like a bill and pay it every month or when you both get paid. You can always add more later if you can. My wife and I have been doing it for 35 years and it still works.

2008-10-25 00:03:34 by Guess who

Seventeen years old Lauren learned about credit cards the hard way. Lauren gets serious about wiping out her $1700 credit and watch how she wiped ...

I am writing a fictional story in which a 35-year-old mother of two dies due to drug overdose. She leaves behind two children, a teenager (Around 15-17) and a young child (4-6). The mother's elder daughter and she look strikingly similiar, and in order to prevent foster care, the elder daughter fakes that she is the mother while the dead body is that of the teenage girl.

Despite the rather unbelievable storyline, I am trying to make this as believable as possible. Problem is, I have been fortunate enough to have very few deaths in the family, and none close to me. I have never attended a funeral, or even an open casket.

I need informations of what would happen after the mother's death. Considering the mother is believed to be the minor, this makes things a bit complicated. The mother died of either drug overdose, or a lethal mixing of various drugs and alcohol.

The teenager is rather responsible for her age, though her naivity is clear, as she is convincing herself that such a crazy plan will work. She is used to taking care of her younger sibling and sustaining a part-time job, but knows next to nothing about taxes, pin numbers, social security, etc.

Info needed:
1.) What legalalities would proceed after a "teen" death.
2.) Challenges the teenage daughter would face paying mother's credit card debt and bad credit score.
3.) Challenges the teenage daughter would face in raising her younger sibling.
4.) After creating this convincing lie and going through with it for two years, how it might be discovered. (Possibly a subplot involving mother's illegal activity.)

P.S. This is placed under this category because I can find no better alternative one. Please suggest any you believe would be better.

Extra Info Moneywise:
1.) At the mother's death, there is a few hundred-thousand dollars worth of credit card debt, and a few missing house payments. The mother has been in and out of debt for years, leaving a bad credit score.

2.) There is a house mortgage.
3.) There is a car mortgage.
4.) The younger sibling was most likely just enrolled in school, just about to start Kindergarden.

The teenager, as previously stated, is naive, but trying to be the best mother as she can. She has a twisted sense of what being a good mother is, but she tries to do the things she has heard is right, such as cooking lunch and dinner, meeting the teacher, and regularly attend church.

The church is small, but a church member is willing to babysit the younger sibling for an hour or so when the older sibling is working.

The older sibling becomes religiously involved to use it as an excuse for why she is "turning over a new leaf". As she does so, she contemplates Christianity herself.

P.S. I have asked this question before, but I only recieved one answer, which did not particularly help me.
I was thinking about the whole autopsy thing too, but I'm hoping (unless there is a policy I am unaware of) that there wouldn't be enough suspicious to have one done.

It wouldn't be a suicide so much as an accidental drug overdose/lethal drug and alcohol mix. She is going to live in a pretty shabby part of town, so the story would fit for the police officers. No reason to investigate, unless they were just reassuring themselves that this was caused by drugs. They take a blood sample, and voila. A lethal percent of alcohol and drugs running through her veins.

Most police forces wouldn't have the staff to worry about small cases like these, they would be more concerned with getting the actual homicides/suspicious cases taken care of.



She wouldn't go to school, because she's pretending to be her mother. Her mother got a high school diploma, but dropped out of college. She couldn't go back to school even if she wanted to, she doesn't have the money or time to.
I'm sorry it's long. I tried posting another time, and someone said they needed more details. Here are all the details I can give you without actually typing down the story.

I'm only 14 and don't know too much on the subject. Here's a bit I do know..

1.) What legalities would proceed after a "teen" death.

I'm not sure if this is true, but from watching CSI I think that after she dies, she has to have an autopsy, to make sure it was a suicidal death. That right there will screw you over because they will be able to tell she is not a teenager.

2.) Challenges the teenage daughter would face paying mother's credit card debt and bad credit score.

Too many, she knows nothing about it, she would probably need to consult someone about how to go about this,

3.) Challenges the teenage daughter would face in raising her younger sibling.

Is she going to continue school? I think that in your story, you should have the girl debate weather to quit school and just look after her sibling or to look after her sibling, work and go to school. Which is nearly impossible!

4.) After creating this convincing lie and going through with it for two years, how it might be discovered. (Possibly a subplot involving mother's illegal activity.)

See first question.



Sorry I couldn't be of more help :/ Try asking an adult, they would probably know all about this kind of stuff.


Read my plot?

http://answers.yahoo.com/question/index; _ylt=AhxdAk2El.VfY8vpIi2Zm5zsy6IX;_ylv=3 ?qid=20090624145745AAlzI4y

EDIT :

Oops, I completely forgot she was pretending to be her mother when I wrote that last part. Lol sorry!

2009-06-24 15:22:55 by iloveshana12

I am writing a fictional story in which a 35-year-old mother of two dies due to drug overdose. She leaves behind two children, a teenager (Around 15-17) and a young child (4-6). The mother's elder daughter and she look strikingly similiar, and in order to prevent foster care, the elder daughter fakes that she is the mother while the dead body is that of the teenage girl.

Despite the rather unbelievable storyline, I am trying to make this as believable as possible. Problem is, I have been fortunate enough to have very few deaths in the family, and none close to me. I have never attended a funeral, or even an open casket.

I need informations of what would be the legal procedures after the mother's death. Considering the mother is believed to be the minor, this makes things a bit complicated. The mother died of either drug overdose, or a lethal mixing of various drugs and alcohol.

The teenager is rather responsible for her age, though her naivity is clear, as she is convincing herself that such a crazy plan will work. She is used to taking care of her younger sibling and sustaining a part-time job, but knows next to nothing about taxes, pin numbers, social security, etc.

Info needed:
1.) Legal proceedings after a "teen" death.
2.) Challenges the teenage daughter would face paying mother's credit card debt and bad credit score.
3.) Challenges the teenage daughter would face in raising her younger sibling.
4.) After creating this convincing lie and going through with it for two years, how it might be discovered. (Possibly a subplot involving mother's illegal activity.)

P.S. This is placed under Law Enforcement because I can find no better alternative category. Please suggest any you believe would be better.
Extra: Moneywise:

1.) At the mother's death, there is a few hundred-thousand dollars worth of credit card debt, and a few missing house payments. The mother has been in and out of debt for years, leaving a bad credit score.

2.) There is a house mortgage.
3.) There is a car mortgage.
4.) The younger sibling was most likely just enrolled in school, just about to start Kindergarden.

The teenager, as previously stated, is naive, but trying to be the best mother as she can. She has a twisted sense of what being a good mother is, but she tries to do the things she has heard is right, such as cooking lunch and dinner, meeting the teacher, and regularly attend church.

The church is small, but a church member is willing to babysit the younger sibling for an hour or so when the older sibling is working.

The older sibling becomes religiously involved to use it as an excuse for why she is "turning over a new leaf". As she does so, she contemplates Christianity herself.

iam not to sure what the exact legal proceedings would be but iam guessing if it was a teenager cps would be involved to look at the mother and to check with the school to find out if anyone had known about her drug problems. maybe she lies and gets a decent job managing a store where she can make enough to support herself and her younger sibling, or she becomes a stripper you can add some fun stuff to that. she might face getting the child to school doing parent teacher meetings pure survival. it could be her job finds out she is under aged contacts authority's they re-open the case to find out exactly who she is and what shes all about maybe the school finds out from the sibling. PS is there any money involved if say you go with someones idea????

2009-02-14 14:57:45 by iloveshana12

I'm 39 with no kids, my girlfriend is 43 with 2 teenage kids. We've been together 12 years, I was the "other guy" she was seeing while she was married. We bought a house together 2.5 years ago, I have a history of alcohol abuse, we both did some cocaine together, she quit 4 years ago, I quit 6 months ago.While in our house I kept drinking - I was depressed -credit card debt- girlfriend can't have any more kids- her kids would get on my nerves etc.She bought me out of our mortgage (my profit $2000.00), I moved out on 8/4/07 but I knew I made a big mistake! so I sobered up, began seeing a therapist & got in shape! We had sex while seperated, but on 9/28/07 I found out she was with & having sex with another man she met at a friend's 7/4/07 party.She did me wrong because we were still living together & for 3 months having sex with both us until he moved out of state on 9/23/07. Now she is so sorry,she gave me all her passwords-e-mails,phone bills, home security/keys -can I believe her?

no, you can't trust her any more because if she loved you there was no point in having sex with another bastard. then there is another part to your problem, you probably were repeating the same sex again and again, a couple should have different types of moves for sex! for example, my uncle cheated on my aunt and she went crazy, almost killed her self! then later she fully recovered and showed my uncle that she was better than any women he would ever meet. i suggest you do the same thing change and go on with you life, don't risk it she might do the same thing again.

2007-12-05 15:15:33 by Luar H

http://www.bloomberg.com/apps/news?pid=2 0601074&sid=aWXDnpFProiY
http://thehill.com/homenews/senate/57493 -senate-must-raise-debt-ceiling-above-12 t
http://online.wsj.com/article/SB12527097 0074004941.html

All links are the same story. Congress and Obama seek to raise our debt ceiling.

Are you aware that they are spending 100 billion per month? How is this sustainable?

"Well, we are out of money now. We are operating in deep deficits, not caused by any decisions we’ve made on health care so far. This is a consequence of the crisis that we’ve seen and in fact our failure to make some good decisions on health care over the last several decades." -Barrack Obama

Are you actually buying this? For 8 months these people have spent like teenage girls with Daddy's credit card. And somehow, nationalizing healthcare will make it all right?

Don't feed me the party line rhetoric, consumer choice, public option, or whatever the Democrat marketers have cooked up. HR 3962 is a 1990 page monstrosity. It will only increase debtload.

"Bush did it." In eight years, Bush ran up 700 billion while operating two wars. Subtract money borrowed for Katrina, which you people still say he didn't do enough on, and 2 stimulus bills which also failed to stimulate, and his deficit spending seems paltry.

What say you?

I didn't have a chance to read your entire question.

However, I am indeed worried about the national debt!

Also worried about the incredibly fast shrinking value of U.S. dollar and the long-term bad implications of that. INFLATION just one of them, in the next 2 years or so.

2009-11-15 05:30:41 by Dent Arthur Dent