|
|
Minnymouth 02-01-2006, 09:54 AM WELCOME,
To all who have survived bankruptcy!!! :D
To all whose case have been discharged and closed!:clapping:
To all whose cases are discharge BUT still being held open for one reason or another by a Trustee.:blink:
To all those in Chapter 13 who are gonna be around for the next 3-5 years.....:cry:
Welcome to our TALK PAGE.........:yahoo:
Pull up a chair, prop your feet up, have a cool brew of some sort, and tell us about your life NOW - AFTER all the fear and struggles of going thru bankrutpy.... :tongue:
Was your decision to file a good one?
Did you do the right thing for you at that time?
Did you come out smelling like a rose?
Or did the Trustee "clean your clock" and "line his pockets"? :cry:
Did you have a good attorney?
Has your lifestyle changed completely?
Are you very carefully about credit now and limit yourself?
Did you enjoy Bkfiler's FANTASTIC BBQ? :D :cool:
Add you own suggestions and ideas to this page....
:D
bkfiler 02-01-2006, 10:03 AM im a week out of bk and starting to rack up debt already.
dont worry im gonna pay it off. i pomise. im working on building credit.
{{{:D}}}
StaciMM 02-01-2006, 10:10 AM Let's add 'awaiting discharge' to the list... They are perhaps the ones who have it the worst! Limbo is no fun!
And, Bkfiler-don't go getting over your head on your Orchard card. Not until after your child support payment clears at least.
Minnymouth 02-01-2006, 10:19 AM StaciMM,
Those "awaiting discharge" are members of the 60 Day Club till they graduate........
There should be 4 clubs -
Newbies thinking about filing....
New Filers waiting on 341 meeting....
60 Day Club - waiting on discharge/closing....
Old Timers Club - filed/341/discharged, closed, Chapter 13's and forever held open by the Trustee cases.
bkfiler 02-01-2006, 10:42 AM 60 Day Club - waiting on discharge/closing....
umm, excuse me... id rather not have the 60 Day Club members be listed as 'waiting on discharge'.
something isnt quite right about that!
:D
Minnymouth 02-01-2006, 10:47 AM bk,
Is it not 60 days from 341 meeting to objections and discharge???? That's what I was basing your 60 day club on......
Any other suggestions......? Am I looking at your 60 - Day club wrong??
Your own avatar says:
Done with 341 Meeting? Join the 60 Day Club!
:blink:
FilingOnMyOwn 02-01-2006, 10:55 AM im a week out of bk and starting to rack up debt already.
dont worry im gonna pay it off. i pomise. im working on building credit.
{{{:D}}}
I just maxed my 1st new CC and I haven't even been discharged :blush2:
bkfiler 02-01-2006, 10:59 AM oh man. we are headed for issues! we better study up on the new laws.
FilingOnMyOwn 02-01-2006, 11:09 AM Ok you do the homework I'll buy the meat and alcohol for your next BBQ :D
:blink:
LOL :)
My gray hairs gain me entrance to this club :)
BKF is having issues with the fact he is now "discharged".
I bet his pacer bill drops dramatically.
No more red eyes!
Notice how he's gotten kinda "mouthy" lately? No more sugar coated sweetness from him, he's kinda edgy with his responses. I think it's a case of post-BK depression?
<snicker>
FilingOnMyOwn 02-01-2006, 12:18 PM LOL :)
My gray hairs gain me entrance to this club :)
BKF is having issues with the fact he is now "discharged".
I bet his pacer bill drops dramatically.
No more red eyes!
Notice how he's gotten kinda "mouthy" lately? No more sugar coated sweetness from him, he's kinda edgy with his responses. I think it's a case of post-BK depression?
<snicker>
I think it had something more to do with a drinking binge :D
I want my turn damnit
bkfiler 02-01-2006, 01:56 PM you just seeing that way because i have my avatar flipping the bird to the creditors. its all in your mind.
if i put up a pic of me in a thong and high heels you would be singing a different tune. dont make me show you.
bkfiler 02-01-2006, 02:31 PM kam? you dont say much anymore but aaakkk ugggg and gah and <cough> bullsh*t <cough>.
you ok or do you need some help honey? i can come on over but make sure your hubby is not there. i want you all to myself :D
heee haaaa heeee snort :)
No I am just fine, you are just interrupting my games of spider solitaire! I have to keep my focus you see :)
StaciMM 02-01-2006, 04:00 PM The 60 days is the time from 341 to deadline for objections, right? Discharge can happen after that-but whether it is a day later or a month later depends on the district...
bkfiler 02-01-2006, 04:44 PM The 60 days is the time from 341 to deadline for objections, right? Discharge can happen after that-but whether it is a day later or a month later depends on the district...
what are you talking about here? or better yet who are you talking to?
StaciMM 02-01-2006, 05:28 PM Minny had mentioned the 60 day club, and that she thought it was the time from 341 to discharge. You can't really know ahead of time when discharge will happen though, only that it comes AFTER 60 days. So I always figured someone graduates from the 60 Day Club after the deadline for objections.
edwards2 02-01-2006, 05:31 PM Ok Minny I will answer your questions...
Yes BK was a good decision
Yes we had to sweat it out even beyond the 60 days by having to go through a 2004 Exam
No she didnt line her pockets because we didnt have any assets for her to do that
Yes our life is less stressful
and finally,
We did learn a lot from the experience and even though the root cause for our BK was not due to credit cards we were still in the proverbial financial stranglehold. So, while we do have several low limit credit cards we are paying them on time and in full every month not to mention the fact I have mastered talking myself out of buying things. Both my husband and my mindsets has done a complete 180...
Best of all I have met(via BK forums) some of the nicest, most compassionate and non-judgemental people at a time when I desperately needed a lifeline It took a big sting out of filing BK and for that I will be eternally grateful.
AMISLANDER 02-02-2006, 05:41 AM WELCOME,
To all who have survived bankruptcy!!! :D
To all whose case have been discharged and closed!:clapping:
To all whose cases are discharge BUT still being held open for one reason or another by a Trustee.:blink:
To all those in Chapter 13 who are gonna be around for the next 3-5 years.....:cry:
Welcome to our TALK PAGE.........:yahoo:
Pull up a chair, prop your feet up, have a cool brew of some sort, and tell us about your life NOW - AFTER all the fear and struggles of going thru bankrutpy.... :tongue:
Was your decision to file a good one?
Did you do the right thing for you at that time?
Did you come out smelling like a rose?
Or did the Trustee "clean your clock" and "line his pockets"? :cry:
Did you have a good attorney?
Has your lifestyle changed completely?
Are you very carefully about credit now and limit yourself?
Did you enjoy Bkfiler's FANTASTIC BBQ? :D :cool:
Add you own suggestions and ideas to this page....
:D
1. It was a good decision, basically the only one left when I got a judgement last summer and freaked out...I knew "they" were coming after me but I did make it for four years undercover!
2. It was the only thing left to do (file bk)!
3. Well, I got rid of $50K in cc debt...I don't know about the rose thing though...
4. The trustee is getting my first income tax return in 15 years (but that's worth having the discharge of $50K against $450.00. His ears perked up at the 2000 4runner but it has more little problems than Carter has pills...as they used to say.
5. My attorney was alright. He's on vacation alot. Hmmm...maybe I should start law school up at Stetson in St. Petersburg at night? Then I could use my intelligence more diligently. And then I could go on vacations, again, in the future, too.
6. Well, I used to get alimony...that's gone. I used to do more cocaine. Can't afford that. I have been at my present position since November 2004; that's a positive thing...
7. I don't have anything on credit at this point in my life. I'd really like to have one charge card for emergencies like airplane tickets or for rental cars (they just don't do cash well on either of those needs) i.e. here's a funny story on what happens when you don't have a credit card:
I was driving up to Madison, WI from Florid with a friend of mine back in Dec. of 2002. We were pulled over for speeding in IL about midnight, doing 100mph in the 4runner. I was not driving as I was on DUI probabtion from Feb. 2002. My friend who was driving had paraphenailia under his seat. I had a TIME magazine with a pot leaf on the cover (it was an article discussing the medicinal properties of the drug), and I was wearing patchuli. Well, you know after they ran my FL tag and DL, they told us those god fearing words,"please step away from the vehicle!" They ransacked the car, found his paraphenailia, put us in two different trooper vehicles to see if our stories matched. My friend ended up going to jail for about three hours, I got a police ride to a Motel 8 outside of Gilman, IL. They took my crown royal which wasn't even opened (bought before the 9p.m. curfew...).
Let me back up, prior to going to the motel, I went to the police station w/my friend. I paid his $75 bail, with cash, of course, but he couldn't leave with me because their fingerprinting device was out of kilter so they had to take him to another jail for fingerprinting. During that time, they took me and the suitcases to the motel. The car got impounded as I was not allowed to be driving under my probabtion unless it was work related.
Now, he got to the motel about 5 a.m. We called his attorney in Chicago and he came and picked us up at the motel later in the morning. The car stayed in IL and we got a ride to O'Hare to rent a car...try renting a car in an airport 3 days before Xmas with a debit/check card...even though it says VISA...it doesn't always work like VISA!
I just started crying at the counter and finally after the lady had heard what you just read, she put a $300 retainer on the card & gave us a rental. We finally got to Madison, WI and my friend was not able to see his kids (the real reason for the roadtrip). Now, we have just driven 2,000 miles, got arrested and lost a car to IL impound...not in very good humour.
The next day, we drove back to IL, paid some kid to get the car out of impound as neither of us were to pick it up due to the arrest for paraphenailia and my DUI probation...lol...took the rental car back to O'Hare, took back roads out of IL and headed back to Florida.
Actually stopped at a "real" truck stop in KY? Where it had an endless buffet bar with trucker food...ended up at a weird motel playing pool in the bar due to a snowstorm...and ate at a Fridays type restaurant on Xmas eve while still enroute to FL...
I was never so happy to return to Florida and I have not left the state since!
You can only imagine the insaneness of my book, this is only like a 96hour period of a week in my life.
I limit myself to legal substances these days and don't drive during the time of usage.
FlaMama 02-03-2006, 03:46 PM Was your decision to file a good one?
Yes, I think so. We've been trying to pay our bills off for 10 yrs, and finally realized life was not going to get any better for us unless we got rid of our debt burden.
Did you do the right thing for you at that time?
Yes.
Did you come out smelling like a rose?
No, we are still in stinky-limbo-land.
Or did the Trustee "clean your clock" and "line his pockets"?
He's trying, hence the stinky limbo land.
Did you have a good attorney?
Well, I think he SUCKS. He's forgotten many things, including to send us another copy of our schedule J or something for us to redo because HE messed it up. And he came recommended, and is a former atty for the trustee, you'd think he would know better! AND he was expensive!!!!
Has your lifestyle changed completely?
It's in the process...we are getting there
Are you very carefully about credit now and limit yourself?
I am, I have zero credit, but DH is still financially STUPID...
Time to revive the Old Timers Club too!
InLimbo 11-02-2006, 10:53 AM :dry: hmmm...well I didn't want to be in your old stinky club anyway:beee:
:( oh yessssss I really dooooo!!! I hate the "waiting forever 60 day club":cry:
Minnymouth 11-02-2006, 11:30 AM YES, I'M STILL HERE....................... listening, offering suggestions, etc......along with some of the other old timers..................:D
anonymuse 11-02-2006, 03:03 PM YES, I'M STILL HERE....................... listening, offering suggestions, etc......along with some of the other old timers..................:D
I don't know how you do it Minny! How often do you check PACER or the courts to follow up on your case? Do you have a lawyer?
lrprn 11-02-2006, 07:59 PM Time to revive the Old Timers Club too!
Minny, you started this thread back in February....who qualifies as Old Timers Club member here?
Minnymouth 11-03-2006, 03:47 AM Well, I guess ANYONE that has survived bankruptcy and its basically over for them and some of the old timers thats still in a Chapter 13 and waiting for that 5 year plan to end.........
Me, well, I check Pacer once a week to see if trustee has done anything yet......... NOPE, NOT YET...............
Yep, have me an attorney to handle my lawsuits........ all of them.
But basically can't do a whole lot until the case is closed and everything is done.....
Trustee has been dragging his feet 2 1/2 years now...............
That's okay, his "day" is coming too.........
jane taylor 11-03-2006, 06:30 AM I know I'll be here for a spell! Our plan is 60 months with 0% to unsecured. Maybe I'm wrong, but I think if I'd really pushed him we might could have done a Ch.7 with all the medical expenses, etc. I'm hoping we'll be able to get out of this thing in 30 months.
We are so much better off now, but it is NOT easy!! The Trustee has been OK and granted our suspension for a couple of months due to medical bills. The paralegal didn't want to fool with it, but I pushed her on it.
One bright spot in all of this is this Forum. You guys are awesome!
lrprn 11-03-2006, 07:04 AM Have been hanging out here regularly for the last seven months and expect to be here for years to come. Our Ch 13 plan currently is set for 57 months, but since we now have about $2500 of medical bills to pay from my unexpected hospitalization 12 days after we filed (!), that will likely push us to the full 60 months. Thanks to a second mortgage six years ago and a flat housing market, we have less than $15K in house equity. With the way the housing markets are tanking all over the country, there's really no possibility of an early bail out for us. We HAVE to make the remaining 52 months of trustee payments no matter what. That means I'll be hanging out here so long that everyone will be sick to death of me by then! :)
Don't know what I'd do without everyone here - you are lifesavers, every single one of you!
BK'd-Betty 11-03-2006, 07:46 AM Sorrry LRPRN, that's awful. It just seems no matter how hard we try to get ahead sometimes, our higher power has something else in mind for us. :D
The housing market is getting worse and worse. I read an article recently that said they expect the housing market to be flat well into 2009.
There are lots of people in financial trouble right now due to the housing market, ARM's etc.
It's frightening what is happening in our economy today.
I'm not an Old-Timer here, but I have been discharged (twice) - hope it's okay to post in the Old Timers Lounge :angel:
miss puff 11-04-2006, 02:28 PM if i put up a pic of me in a thong and high heels you would be singing a different tune. dont make me show you.
LMAO, i'm curious though, did I miss the thong piccy?
lol @ Miss Puff. BK Filer was allllll talk and no show... well except for his pictures of toenail fungus.
Sigh. I miss BK Filer. His humor helped me along when I really need a good boost.
Ive been coming here for about 2 years. My medical condition forced me to quit my job, apply for SSD and wait almost 2 years to get approved while in the mean time- we were forced to sell our house and lose money on it, go into severe debt. We moved to another state to start over in every way. So far, its working out. I cannot wait, however, to get out of our BK13.
robivi3 04-09-2007, 01:29 PM wow, been here since October 2004. Discharge will be three years in May. Still got debts though. NO CC DEBT. BK didn't me that hard on ability to buy, not even on loan rates, both cars are at 8%, house 6.9% on refi. It was hard to go through, real hard. Never want to be there again
CATCHMEIFYOUCAN 04-09-2007, 05:06 PM Was your decision to file a good one?
This time around YOU BET .. last time I filed over 13 years ago at $13,000 in debt WHAT A WASTE .. this year at $65,000 wellllll worth it !
Did you do the right thing for you at that time?
:blink:
Did you come out smelling like a rose?
I FEEL FREE !
Or did the Trustee "clean your clock" and "line his pockets"?
The Trustee WAS going to clean my clock and line his pockets but I got the upper hand!
Did you have a good attorney?
FIRST and ONLY consultation the BEST ATTORNEY everrr.
Has your lifestyle changed completely?
Just that I don't have credit cards to gamble with, but still love to gamble, but more in control I would say. I cant seem to find anything else I enjoy in my life than THAT ???
Are you very carefully about credit now and limit yourself?
I really don't feel I need credit card(s) other than if I need to rent a car in case I get into an accident.
Catchmeifyoucan :cool:
pink_amulet 05-14-2007, 06:15 AM Was your decision to file a good one?
Yes
Did you do the right thing for you at that time?
Yes
Did you come out smelling like a rose?
Yes
Or did the Trustee "clean your clock" and "line his pockets"?
Our trusteee was as nice as can be, even played and joked with us and our son!!
Did you have a good attorney?
Legal Helpers, they were very reasonable, very helpful, and got the job done quick and painless, they were wonderfeul and let you make payment plan to come up with the fee.
Has your lifestyle changed completely?
No, most of our debt was medical bills, and we still use the doctors just as much, just stay on top of the bills, work out payment plans if needed.
Are you very carefully about credit now and limit yourself?
Nah not really. Just stay on top of things. We didn't have credit card debt before.
Did you enjoy Bkfiler's FANTASTIC BBQ?
LOL yes!!!!! Loved all the pics!!!
Add you own suggestions and ideas to this page....
You all were a wonderful help and thank you for answering all my pesty questions!!!
|
