Hi, I've been lurking around here a lot over the last year, but I'm not real big on posting.
The plan is to file today! We are a no-assett case, and are planning on giving up the car that we are making payments on, but are very upside down on. I am really looking forward to not having to worry about the car payment and credit card payments (well, calls, we haven't made a payment on the cards since last September!). I just wish we could get rid of the student loans. Between my wife's and mine we owe about $100,000. Heck, I'd be thrilled if they'd knock them down some. Oh well... Hopefully without all the credit card debt, we'll be able to afford to pay the student loans. That is, if my wife can get a job in her field. She's been searching, but so far, no luck. She is starting a job today that will give us a few hundred dollars extra a month. Not a lot, but at least it's a start! It's hard to justify a low-paying job when we have to put two kids in daycare.
The plan is to file today! We are a no-assett case, and are planning on giving up the car that we are making payments on, but are very upside down on. I am really looking forward to not having to worry about the car payment and credit card payments (well, calls, we haven't made a payment on the cards since last September!). I just wish we could get rid of the student loans. Between my wife's and mine we owe about $100,000. Heck, I'd be thrilled if they'd knock them down some. Oh well... Hopefully without all the credit card debt, we'll be able to afford to pay the student loans. That is, if my wife can get a job in her field. She's been searching, but so far, no luck. She is starting a job today that will give us a few hundred dollars extra a month. Not a lot, but at least it's a start! It's hard to justify a low-paying job when we have to put two kids in daycare.
Congrats! How much in CCs are you discharging?
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