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Live in Texas questions about my situation

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  • Live in Texas questions about my situation


    Ok everything was going well, then now it’s crashed. I have ALOT of debt, and not a lot of income. When I took it on I was fine. My girlfriend was living with me for years helping me pay the bills. We were even going to get married. Well, a series of incidents how ruined everything. Let me tell the story:

    In September we purchased her a very nice ring and I purchased a really good watch at Jared with store credit. The purchase was about $4500. Well, We went to the beach back in December(gotta love Texas). Left our stuff in my car when we walked to the beach. When we came back we drove home. After we got home we noticed they were missing.

    In December we also started fighting a lot, and things fell apart. Maybe I dodged a bullet idk, but it doesn’t help.

    So starting in January I had to start using my credit cards to pay my bills and live. I’ve maxed all the credit cards now. Some already had high balances on them.

    Now here is my situation. I owe debt to Capital One $30000 & $10000 & $750, Barclaycard $10000 & $3400, BestBuy $2800, Jared Jewelers $4100, Amazon $1000, Target $2000, Discover $4500.

    I took the means test and I passed it. I’m just not sure what to do because the debt to Jared and BestBuy worry me. Bestbuy we bought a TV the summer of 16, it’s not payed off, but it broke last summer and we got rid of it. Basically I don’t have what I charged on either of there cards, so if they try to come for it, it’s gone.

    Anyone have any advice? And thank you.

  • #2
    Don't worry about those debts. If you are asked about the TV or the jewelry, just say what happened to them. It is not going to be an issue.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


    • #3
      If having your jewelry stolen was the "straw that broke the camel's back" with your ex-girlfriend, then it sounds like you dodged a HUGE bullet not marrying her. I don't see any issues with your bankruptcy either.

      Although Best Buy and many other retailers claim a "security interest" in the items purchased on their credit card, this is really done as an scare tactic in order to intimidate debtors into paying. The finance company which underwrites the credit card does not want your used merchandise back, though they may threaten to collect their collateral, they almost never do. If the collateral is gone, that's their problem--not yours. The debt will be discharged regardless.


      • #4
        Well we were fighting some already, but I hoped we could get passed it. After her “dream” ring was lost she kept calling me irresponsible and started blaming everything that ever came up on me. It was not like the next day, but we lost the items begging of the month, and she was gone before New Years. Thank you both for your replies. I just want to be able to get back on my feet after this is all.


        • #5
          It's kind of hard to assume anything without knowing the whole backstory, but sounds like maybe you were like me and in a relationship where a partner encouraged the debt and things started getting violent in my case when he wasn't getting what he wanted anymore because we were maxed. I'm actually going through divorce followed by bankruptcy. You don't want that anyway so though I'm sure it hurts, sounds like you're getting a chance to start over sooner. I've been told by others that unsecured creditors don't really come after items often unless you buy luxury items within 90 days of your bankruptcy. If you per chance reported the ring stolen, you could also get a copy of the police report if you're worried about that coming up. The cost of the ring might even be covered under your homeowners or renters insurance depending on the policy. Not sure if it would be too long past to try, but you could always check with your insurer.


          • #6
            Thank you for the kind words. Yes, I feel a lot of my debt I can attribute to her always asking and wanting. Myself not strong enough to say no. I’m sorry you had a bad situation yourself also. We never filed an official police report because we were not 100% sure that was exactly when they vanished. That was out best guess though. We took them off around 2 before going down the sea wall into the water. When we got back in the car we didn’t think to look for them because we were sandy and such. We stoped by the spot (it’s a local restraint in Galveston) has dinner and drinks. After that we came home. The next morning when we went to clean up out bag that’s when we noticed they were gone. I had no clue who to even call because I had no clue where exactly it vanished from. We even floated the idea of them falling out of our bags while we walked back inside from getting home at night. And I believe the items will have been purchased 5-6 months before the bankruptcy


            • #7
              Ten years ago I was in a similar situation. Someone took advantage of what money I had and made all these bold promises. I could have filed BK then but I barely managed to turn the corner. And eventually I became fully solvent again until other things happened. I learned my lesson. But I know exactly how you feel. I maxed out my credit (not much at the time). We live and learn.


              • #8
                I will again repeat: if having her "dream ring" stolen led to massive fighting, to the point that the two of you broke up, this wasn't the kind of woman who would stick with you when times get tough, and you should thank your lucky stars she's gone! It sounds like your creditors will be taking most of the financial "hit" anyways, so that is also a good thing!

                To help avoid meeting another "gold digger" or "opportunistic piece of s***" woman, let me share some advice with you. When I was single, and looking to meet a woman, I always dressed to look poor. Not "homeless poor" or "unkempt poor" but poor enough that a "gold digger" would realize there's no gold to be dug, and thus not be interested. I wore older (but good condition) clothes, and never wore any jewelry of any kind. I wanted to meet a woman who would love me for who I am, not as a "meal ticket" or someone to be with when the money is flush, but will then say "goodbye" the moment my funds get tight.

                When I met my wife, I was working full-time, making "ok" money but not "great" money. I was also living above my means somewhat, since I had credit cards, but also expected my income to rise as I gained experience. In fact, I ended up losing my job in the economic collapse, and decided to go to college to train for a new career. We still got married, as planned, even though me being a full-time student meant that we were poor, and that we were going to remain poor for some time. Due to the lack of funds, I never bought her an engagement ring, nor do we have wedding rings.

                When I was a student, there were times that we were so poor that we had to eat whatever was on sale, or whatever we had in our home. Clothing was worn until it literally had holes in it. There certainly wasn't money to spend on luxuries or even on "fun stuff to do". Nevertheless, we did not fight over money, and frankly I would have kicked her to the curb if we had. I made clear how much money I could earn from my summer job, how much grant money I received to pay for educational costs, and what our costs of living were. That helped put to rest any unrealistic expectations.

                Obviously, now I have graduated and have been working for several years, and my finances have improved a lot. And of course, we are still together, and I wouldn't trade her in for anyone else.


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