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Chrysalis
Chrysalis
Registered User
Last Activity: Yesterday, 10:34 PM
Joined: 09-27-2016
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  • Chrysalis
    replied to Had our 341 this morning
    Congrats on getting that big step behind you!
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  • Being in a Chapter 13 seems to me to be similar to the mess we make with credit: We are making promises for a future *we cannot see*. I would think this is the reason why so many 13's fail.

    You said on one of my threads that you are a nurse. That is a high-stress profession, as-is....
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  • Chrysalis
    replied to Trustee's Objection to confirmation
    moses, glad to hear you're getting it figured out. Good luck!
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  • Chrysalis
    replied to Preparing for Chapter 7
    Had the appointment at Laser Spine today. Because of the nature of his injury and his job, they want him to take off 3 months. When he pressed this issue with further questioning, it sounds like there is a possibility of getting back to work a little sooner than that ~ but it also sounded like that...
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  • Chrysalis
    replied to Preparing for Chapter 7
    Just want to post some good news today (for once!)

    Talked to my dad for like 3 hours about all that is going on. Felt so much better about life in general. He was echoing what you all are saying here ~ have the surgery, imagine the best outcome, stop focusing on the "what ifs"....
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  • Chrysalis
    replied to 19 weeks until we can file
    Lol, kberly ~ literally!

    I haven't had to actually go through this entire process just yet. I think this last attorney we met with (the local guy) was the first time I did an actual mental walk-around, trying to picture the big stuff in each room, and put a garage sale value on it,...
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  • Chrysalis
    replied to 19 weeks until we can file
    stopthebleeding, thanks for popping in and commenting. Lol about the exemptions. Well, when you fill out the forms for the initial consultations ~ they want to know about your microwave, etc -- so yeah, I was thinking we got $20,500 to cover *everything* you owned, and then they'd just start taking...
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  • Thanks for your response, leonel. I couldn't believe when I looked it up and saw we'd only made 2 payments on it so far. With everything going on since then, it feels like a long time ago. {insert oh crap smiley}

    I can honestly say my intention was not fraud -- I also paid off $600...
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  • Chrysalis
    replied to Preparing for Chapter 7
    And sophieanne, I'm sorry I forgot to say above: Thank you, also, for all of your good wishes re: my husband.

    Watching him go from "young & vibrant" to "old & crippled" has been very difficult for all of us. I will keep posting here and sharing our journey, because...
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  • Chrysalis
    replied to Preparing for Chapter 7
    sophieanne, there's nothing to forgive and nothing for you to be sorry for. I'm here asking questions and asking for help, and you guys don't know me. I am thankful for "strangers" who take the time out of their busy lives and their own worries to read mine. Sincerely.

    Unfortunately,...
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  • Chrysalis
    replied to Preparing for Chapter 7
    As I've been thinking about this, I just wanted to share one more thing which is a huge part of this whole mess.

    Let's say my husband had no back problems. Suppose he's not tired all the time, aching, and that he hasn't aged what seems like years in the past 7 months. Let's also imagine...
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  • Chrysalis
    replied to Preparing for Chapter 7
    sophieanne, thanks so much for popping in & thanks for your words of wisdom. I want everyone to speak honestly with me, because that's why I'm here -- for the support. And hopefully someday, to be able to provide that support back to others.

    On some level, I feel responsible for...
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  • Chrysalis
    replied to Preparing for Chapter 7
    justbroke, I'm just so glad to hear that you're having fun!

    If everyone gave up on me here, I don't know what I'd do.

    I honestly cannot come up with a realistic way to pay off that 401(k) loan. And even if I could, that would involve you know all kinds of transfers, borrowing...
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  • Chrysalis
    replied to Preparing for Chapter 7
    justbroke, I will ask. But I wonder if it is even a possibility for us, because every time he has called to ask about a hardship withdrawal, we were given a very specific list of what they can be used for: tuition, burial/funeral, medical expenses, building or purchasing a home, eviction/foreclosure,...
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  • Chrysalis
    replied to Preparing for Chapter 7
    Thanks guys for your help, as always.

    The credit union is an actual building, less than a mile from our home. I'd say in the past 6 months or so ~ I've seen a travel trailer, a jeep, and an old truck out there in their parking lot. Maybe we should have just trusted the local guy when...
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  • Chrysalis
    replied to Preparing for Chapter 7
    leonel, I'm just seeing this cross-collaterization term around here in the past couple of days. Can you explain to me how it would apply to our situation because I don't understand. We have no money there (ha, the $10 in savings that was required to become a member), and no credit cards with them....
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  • Chrysalis
    replied to Preparing for Chapter 7
    I'm not talking about doing any insider transfers. I'm talking about taking "our" cash and buying our son a vehicle, because he is turning 16 and he is going to need one. Every attorney we've talked to has said that this was ok and totally reasonable, so I wonder what you're seeing here...
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  • This thread keeps coming to my mind as I am trying to make a difficult decision.

    Guys ~ I know you're going to think this is dumb. But I did it... and now I need your help thinking this through.

    In February -- you know, when we had gotten a nice tax refund and our financial...
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  • Chrysalis
    replied to Preparing for Chapter 7
    I haven't taken the time to sit down and share here, one of the things that attracted us to maybe choosing the local attorney.

    On the subject of our vehicles: We have two and they are "newer" -- both purchased brand-new in 2015. We have felt good about keeping them, as they...
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  • Chrysalis
    replied to family trip?
    I guess I am still in the mindset of "what is a luxury" re: credit card purchases -- "don't take a trip to Vegas" etc.

    No one is ever going to care if we are not paying our credit cards for months, while at the same time having a chunk of cash in the bank, going out...
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