Finally

Well, I gave all 457 pages of documents to our BK attorney this morning with a cover letter telling him that we would like to file as soon as possible.

I actually now told some of the creditors and most were surprisingly very understanding ( Chase ).

A couple of collection agencies try to scare you by saying that your case may be dismissed, it will ruin your credit etc.

I for one feel like a huge weight has been lifted off my shoulders and while I know it is just the start of the journey taking the first step and turning everything in with no turning back is important.

I also went to my mediation today with the contractor in the mechanic's lien situation and had he been a bit nicer, fairer and actually completed his work and his attorney not such an arrogant a** from the start I might have actually negotiated something.

I told them I was filing BK and thanks to this forum I was thoroughly prepared when his attorney tried to throw a few curves regarding unsecured debt, exemptions, the different chapters etc.

He did not even know the exemptions in California and he did not know the time frame for a 13 payback.

Heck, I felt like a law professor in there.

In any event he is out of luck and I can put his file away in storage and stop obsessing.

First step taken, now the waiting begins. At least the calls will stop.

Thanks to all of you.

I am glad you feel some relief :) Well done.

Good to hear jazz, I felt that weight lift too when I got my lawyer the stuff. Here's hoping for smooth sailing :)

I told them I was filing BK and thanks to this forum I was thoroughly prepared when his attorney tried to throw a few curves regarding unsecured debt, exemptions, the different chapters etc.
He did not even know the exemptions in California and he did not know the time frame for a 13 payback.
Heck, I felt like a law professor in there.
Thanks to all of you.
Hi Lajazz,
Glad to hear you got the ball rounding and the weight has been lifted off your shoulders! Yes, after being on this forum and seeing the same thing over and over...we all feel like we have law degrees! :) I know when I speak to my attorney on the phone, I actually KNOW what he's talking about (compared to the 1st meeting!)....
Congrats again :)

just wondering.........

Congratulations Lajazz947, on getting this first step behind you. :yahoo:

Yes, about feeling like a Law School professor. I actually am considering taking a Paralegal course.

Rest easy tonight, my friend. You and your wife deserve it. Have a great weekend!!:)

Thanks to everyone.

My attorney thinks that I can get through a 7 but we are prepared for a 13 and budgeting accordingly.

I know exactly how you feel! When I got everything in to my lawyer I finally got my first restful night of sleep.

Congrats, and I am wishing you smooth sailing. :)