Originally Posted by
anotherbrokepilot
Basically done everything financially I can do to get that oh-so-elusive first airline job. ......... Any ideas ?
I have just noticed this thread and I have not read all of it. I am not sure where you are located and I have no idea what laws govern your situation. Perhaps my suggestion has already been made. That all said, you should consult a good credit counsellor such as a chartered accountant specialising in bankruptcy practice. It may be possible in your jurisdiction to reach a composition with creditors, in which you (and by "you" I mean your consultant) reports to all your creditors, lays the facts before them, says you are a decent chap who is sinking, you'd like to pay but can't, and can you all reach a deal. They may settle of 50% or whatever rather than nothing. The consultant will be appointed a trustee to receive from you and distribute to creditors pro rata an amount agreed monthly. You will probably have to cut up all credit cards, and life will not be as pleasant as it might be.
There will probably be a time limit to all of this, though.
I will add, with the greatest respect to the good folks at PPRuNe, myself included, that this is not the place to go for professional advice in a matter like this. Over and again in my career I have had to untangle messes made on the advice of the frankly ignorant, just as I am ignorant of the facts in your case ("I went to this young lawyer, just graduated, and he did the whole thing for $250.00. Fantastic!". Yes, and it will cost you $5,000.00 to unscramble the omelet that the boy fried up).
If you are as deep in the hole as you say, you need the best advice you can get, not the cheapest.