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momto4k
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Last Activity: Yesterday, 11:16 AM
Joined: 11-22-2017
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  • momto4k
    replied to Not reaffirming auto loan
    justbroke:I am not behind on any payments, my payment is due today, but I need to ride the 10 day grace period for a few days, so I am still inside of that. I have to call CapOne today, because I no longer have access to my online account, how I was making the payments. I'm curious how to proceed, will...
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  • momto4k
    started a topic Not reaffirming auto loan

    Not reaffirming auto loan

    I filed for Ch. 7 Dec. 29, 2017 and my 341 meeting is this month on the 25th. My lawyer advised/suggested I not reaffirm my car loan, so my question is this. I am up to date on payments, except I will be late for this month's car payment as I have had to shift funds around to cover my other bills (utilities,...
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  • momto4k
    replied to The stigma with bankruptcy
    So update: I called my cu and they said because they got notice of my bk and my home equity loan is tied to my bank account, they cannot let me see the balance of the loan online. She said because of the bk, they just can't do anything that acts as if they are trying to collect a debt from me, until...
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  • momto4k
    replied to The stigma with bankruptcy
    That makes sense Chrysalis. Thank you for your input, I will call them tomorrow and hope I can get it straightened out.
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  • momto4k
    replied to The stigma with bankruptcy
    This is actually a credit union, sorry I didn't mention that. But I've had this account since High School (i'm in my 40's now), and my home equity loan is through this cu as well as my direct deposit. I did not reaffirm the loan, but I am keeping my house and will continue to make the payments, as I...
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  • momto4k
    started a topic The stigma with bankruptcy

    The stigma with bankruptcy

    I filed on Dec. 29 and received my notice of the 341 meeting on the 25th of this month (January). I now can't access my bank account online nor can I access my car loan info online? Seems I have been restricted on the car loan site. I am going to call the bank to find out WHY I can't see my account...
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  • momto4k
    replied to Stressed over 341 for nothing
    That's great to hear! I filed on Dec. 29 and my 341 is Jan. 25. I pray it goes smoothly and quick, as I am ready to get this behind me and get my life back! Congrats on making it through!
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  • momto4k
    started a topic new HSA account

    new HSA account

    I just recently filed chapter 7 at the end of December and only remembered I enrolled in HSA for 2018, after my employer emailed me about setting up my account. I am not making an contributions to this, and it just never even crossed my mind because I have never been enrolled into one before. Not sure...
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  • Thank you for the replies. I obviously have not paid anything to my daughter because I just don't have the funds. She did say she was giving me the money to pay attorneys so I could file. So in essence it was a gift. As a mom, I just felt the need to pay her back eventually. Thank again for the res...
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  • Daughter gave me money to pay my attorney

    Ugh, I just realized this and I don't think I even mentioned this during the meeting with my attorney the day of my filing. Going over all of my paperwork, I only remember her asking about gifts I had given or inheritances I might be receiving. Last month my daughter deposited $2000 in my account to...
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  • momto4k
    started a topic Just filed and money left in my bank account

    Just filed and money left in my bank account

    So my case was just filed on Friday and I got my case number. Now waiting for date of 341 meeting. My question is, I have about $330 left in my bank account, after getting money orders for any remaining bills. Am I going to be able to use anymore of that money for gas, food? I get paid twice a month...
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  • momto4k
    replied to Filing appt
    Chrysalis...I just had my filing meeting and you were RIGHT! Everything was pretty laid back, my lawyer was too and extremely helpful. She made me feel at ease and explained anything I didn't quite understand. I do feel more relieved and will now wait to call next week to see when my 341 meeting will...
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  • momto4k
    replied to Filing appt
    Thank you. I know I am probably stressing out more than I should, but I guess because I hate the position I am in and I feel bad that I can't pay all my debts back. But after all is said and done, I will have a better budget/financial plan in place and I can work on getting my life back in order. Again,...
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  • momto4k
    started a topic Filing appt

    Filing appt

    I have my filing appointment with lawyer tomorrow, why am I so nervous/anxious? This whole time, gathering all my info I felt as though I am being exposed in all areas of my life. I only have credit card debt that I am behind on and way over my head, so bankruptcy was the last option for me to take....
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