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Confession...am I sick or what?

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    #1

    Confession...am I sick or what?

    I don't know if it is the meds the doctor gave me to help with my gambling problem, but I find myself laughing my ass off when I see all the money I won't have to pay MBNA, Chase, Citi, Discover, Amex Express, Sam's Club, and Universal Card. I am wondering if I should get my med adjusted, or ask for more. I feel guilty about laughing about it, but damn, I see others oweing similiar amounts, some even more than I do, and just can't keep from laughing my ass off.

    Oh well, maybe I'm having a nervous breakdown, I don't know. It does feel good to be able to laugh about it, but at the same time, I feel guilty as hell about laughing about it.

    Anybody else had similiar emotions?
    Chapter 13 Filed 4/03/06 :blink: 341 Meeting Complete 5/11/06 :yes2:
    Plan Confirmation 6/16/06 :yahoo:
    Discharged: 1/5/2010 :yahoo::yahoo::yahoo::yahoo:
    Tags: None
    #2
    The stress of filing, meeting with the trustee, plan confirmation and whatever other hoops that you had to jump through is behind you, and you can begin living again. I am in a chapter 13 with 45 payments to go, but the past year has been a breeze compared to what I had to go through when I filed. You are feeling a huge sense of relief, just like I did. We just have to complete our payment schedule and get to the other side where discharge is waiting. We can do it too!! Good Luck.
    sigpicPersevere: "To continue a course of action, in spite of difficulty, opposition or discouragement."

    Chapter 13: Discharged 03/15/2010. Closed 05/19/2010::yahoo::yahoo::yahoo::yahoo::yahoo:

    Comment

      #3
      Originally posted by aa06a47
      Oh well, maybe I'm having a nervous breakdown, I don't know. It does feel good to be able to laugh about it, but at the same time, I feel guilty as hell about laughing about it.
      Just a natural human reaction to finally having incredible long-term stress reduced significantly, aa. Soldiers have the very same reaction once the battles are over and they are safe once again. Enjoy your laughter - it's the body's very best medicine to reverse the bad effects of years of financial stress.
      I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

      06/01/06 - Filed Ch 13
      06/28/06 - 341 Meeting
      07/18/06 - Confirmation Hearing - not confirmed, 3 objections
      10/05/06 - Hearing to resolve 2 trustee objections
      01/24/07 - Judge dismisses mortgage company objection
      09/27/07 - Confirmed at last!
      06/10/11 - Trustee confirms all payments made
      08/10/11 - DISCHARGED !
      10/02/11 - CASE CLOSED
      Countdown: 60 months paid, 0 months to go

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        #4
        Can I have some of those pills??!! I could use a good laugh.
        Filed Ch 7 - 09/06
        Discharged - 12/2006
        Officially Declared No Asset - 03/2007
        Closed - 04/2007

        I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

        Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

        Comment

          #5

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            #6
            Thanks for all the good comments. I guess the relief of the financial stress is what is making me laugh, and yes, I'm really starting to enjoy life again. SF, PM me and I'll tell you about the pills....LOL
            Chapter 13 Filed 4/03/06 :blink: 341 Meeting Complete 5/11/06 :yes2:
            Plan Confirmation 6/16/06 :yahoo:
            Discharged: 1/5/2010 :yahoo::yahoo::yahoo::yahoo:

            Comment

              #7
              I agree with bkbiker, as usual. At first, I took such great glee telling creditors they could no longer call me and I took such intensen pleasure telling them to contact my attorney, especially after the years of harassment.
              Then I would get low and think that I was laughing at someone for doing their job and they wouldn't be calling me if I hadn't screwed up so badly.

              Once the "honeymoon" was over, I almost forgot I was in a BK at times.
              Date Filed: 12/19/2004
              341 Meeting: 2/8/2005
              Date Case Confirmed: 7/12/2005
              Closed on Refinance/Chapter 13 Buyout 8/23/06

              Comment

                #8
                We have Chase Banks popping up all over town now. They are taking over locations where "old" banks used to be. I used to cringe when I saw them. Now I think, "Won't be doing biz with you anytime soon!"

                Ditto's to BKB, Aa!! Glad to see you enjoying life again!!
                Filed Ch 7 - 09/06
                Discharged - 12/2006
                Officially Declared No Asset - 03/2007
                Closed - 04/2007

                I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

                Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

                Comment

                  #9
                  Well..it is good to laugh!!!!!
                  I am laughing more and more these days myself!!!!!
                  Can't wait til "Jerome" from Cap One calls me....boy oh boy.....will I get pleasure from that one.......hahahahahaha~ He's the idiot that questioned me one day when I told him it was impossible that it took 14 days for them to post my payment.........I live 2 hours from their office......
                  anyway~ short version~ I CAN"T WAIT FOR THEM TO CALL ME!!!!!!!!!!!!!!
                  Yeah, about those pills........hahahaha....love it!

                  Comment

                    #10
                    wait ...wait...I just realized I have moved up from a "newbie" to a "contributor"....wooo hoooo.........

                    Comment

                      #11
                      You arent sick, you are just feeling the overwhelming relief of not having to pay these bills anymore. There is always the euphoria that comes right after you file...but, and there is a but... You have 56 months left to pay under your Ch. 13. 56 months is a very, very long time. And about 1 or 2 years into it, when you get tired of the limitations that CHh. 13 has put on your life, the novelty wears off. I speak from experience. We had 56 months as well. About 20 months into it, the car broke down, and we needed a new roof. Guess what? No credit card to fall back on...no way to go and get a new car...life stinks. We just refinanced to get the BK paid off and we're done. Never to see the BK court again! It all has been a valuable lesson and I am much wiser about the choices I make. But, I could not have stuck it out for another 36 months... 56 months is a long time. Reality hasnt kicked in for you yet.

                      Comment

                        #12
                        Originally posted by bkdone
                        You arent sick, you are just feeling the overwhelming relief of not having to pay these bills anymore. There is always the euphoria that comes right after you file...but, and there is a but... You have 56 months left to pay under your Ch. 13. 56 months is a very, very long time. And about 1 or 2 years into it, when you get tired of the limitations that CHh. 13 has put on your life, the novelty wears off. I speak from experience. We had 56 months as well. About 20 months into it, the car broke down, and we needed a new roof. Guess what? No credit card to fall back on...no way to go and get a new car...life stinks. We just refinanced to get the BK paid off and we're done. Never to see the BK court again! It all has been a valuable lesson and I am much wiser about the choices I make. But, I could not have stuck it out for another 36 months... 56 months is a long time. Reality hasnt kicked in for you yet.
                        I agree. I am in a 48 months and it seemed so easy at first. 20 months into it now and I am trying to refinance out. Car accident and didn't have the money to pay the deductible. Kid starting school, needs supplies and school clothes. Gas costs more.

                        The honeymoon period is fun while it lasts...
                        Date Filed: 12/19/2004
                        341 Meeting: 2/8/2005
                        Date Case Confirmed: 7/12/2005
                        Closed on Refinance/Chapter 13 Buyout 8/23/06

                        Comment

                          #13
                          Yeah, I have 56 months left and think it sucks. Guess I didn't make it the first couple of years. I will see what I can do to buy out of it after 36 months. I hope it is possible to do that as the attorney has told me. I will see at that time.
                          Chapter 13 Filed 4/03/06 :blink: 341 Meeting Complete 5/11/06 :yes2:
                          Plan Confirmation 6/16/06 :yahoo:
                          Discharged: 1/5/2010 :yahoo::yahoo::yahoo::yahoo:

                          Comment

                            #14
                            Originally posted by aa06a47
                            Yeah, I have 56 months left and think it sucks. Guess I didn't make it the first couple of years. I will see what I can do to buy out of it after 36 months. I hope it is possible to do that as the attorney has told me. I will see at that time.
                            You may not have to wait the 36 months. We refinanced after 26 months and we paid only the remaining secured balance, none of the unsecured. I just couldnt take it anymore. I felt so stuck... I'm glad its over.

                            Comment

                              #15
                              Originally posted by bkdone
                              You may not have to wait the 36 months. We refinanced after 26 months and we paid only the remaining secured balance, none of the unsecured. I just couldnt take it anymore. I felt so stuck... I'm glad its over.
                              bkdone, This is interesting information. Can you explain more? Was only having to pay the remaining secured balance a Trustee decision? Or something specific to your state?

                              I thought that if you paid before 36 months, you had to pay back 100% of all debt you filed?
                              Date Filed: 12/19/2004
                              341 Meeting: 2/8/2005
                              Date Case Confirmed: 7/12/2005
                              Closed on Refinance/Chapter 13 Buyout 8/23/06

                              Comment

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