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Trevor
Registered User
Last Activity: Today, 01:42 AM
Joined: 12-20-2017
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  • Trevor
    replied to Not reaffirming auto loan
    While I didn't do a Chapter 7 yet, months ago I was 2 months late with my motorcycle payment to Honda. I had to use Moneygram (could've used western union also they said) to send cash to them to get my account current. It was easy as pie, I went to my local Walmart and they offer this service, I think...
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  • Yes thank you! Funny you should bring this up because my minimum payments are due in a few days, I'm not going to pay them. Right now I'm only going to pay for my truck which I plan to reaffirm to keep (finance $480month), because my new job (jan 26th) is 30-45mins away all highway and of coarse I need...
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    Last edited by Trevor; 01-17-2018, 01:10 AM.

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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Yeah I'm going to put the money back in my checking account. I don't know what they would think about that, withdrawal then deposit same $ etc.

    It's definitely looking like I will file in 3 months or more. Even if I had a second job I would still be broke paying for years. Plus I'm reading...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Yeah I'm going to speak to an attorney soon, see what he/she says. The other thing is I can use this money for money orders to pay rent, so I have proof where the money went etc. My rent is roughly $800 month depending on utilities....
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Is it ok to put the money back in the account then? I took it out just in case I had to move back home/emergency etc. Will it look suspicious if I took out the money, then put it back a week later? I'm trying to get an appointment this week for an attorney, I've been busy with getting prepared for...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Exactly lol it will be gone, most likely. But I want to try and keep a hidden stash just in case. Feels good to have cash on hand, just in case.

    BTW I found a great hiding spot. Buy a multi pack of paper towels, like Bounty. Leave like 2 full rolls in a top shelf somewhere, and keep...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Guys just a question, I looked through this thread quickly because I thought I already asked but didn't..unless I missed it.

    I just took out $3,000 cash out of my checking, just to keep hidden in my apartment as a small emergency fallback. Let's say I wind up filing Chapter 7 4-6 months...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Yes thanks! I must have read through 300 reviews already on glassdoor and indeed. I'm going to cancel my interview, or maybe I'll just go in and do this......LOL!!!!

    Watch till the end!!!

    https://www.youtube.com/watch?v=YnXPGF0pvJU...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Thank You! It's not only my friends and family, I even miss the Chinese food and pizza in NY/long island lol.

    The job with Dish has me tempted, because even in the employee reviews, they say the money is GREAT as long as you can handle the sales/pressure. Most reps make $80k yr but again...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    I wanted to ask you folks here instead of opening a new thread. Thank God I was able to get my old job back, and I start the end of this month. Now, I have another opportunity, but I just don't know which path to take. To give a quick run down of each job, here goes.....which would you pick.
    ...
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  • Trevor
    commented on 's reply to Bank Levy? This makes no sense to me
    Thank you Maria! Great info. YES Phoenix got drenched tonight. Where you at, Flagstaff?
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Ok at least I know Federal 20% was taken out. It's just that the 10% early penalty might bite me in the behind eventually because I didn't file them with the 2013/14 returns. I checked my old W2's...yikes. I'll MAKE SURE to square away my 2017 taxes because again that was a huge chunk I took out, cashed...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    The ones back then were loans, the 2013/2014 ones. Actually I'm pretty sure most of them were. But when I left in February 2017 I cashed out my Pension and 401K. When I cashed out, I had like 3 current loans being payed off, I don't know exactly how those were finalized/payed?...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    The thing is though it's too far back to amend. I gotta call up the IRS and see if any notices were sent out. It sucks enough that my mail has been lost so many times in the past, even at my old apartment back in NY.

    It's really crazy how financial matters can mentally cripple you in...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    I can't believe this, my situation just keeps adding stress. Earlier I was logged into Fidelity and I was checking for the 1099-R which is not available until the end of this month. That's not the problem, the problem is that I see I had a 1099-R in both 2013 and 2014 from loans I took out of my 401K...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Yeah but don't they take away every little bit of money you make extra? Tax refunds also? I want to be able to pay this off myself and work even harder to earn a couple extra bucks a month to save up an emergency fund.

    BTW I called up Fidelity and the rep said once I return back to work...
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  • I think they are trying to scare you, I do believe any garnishment HAS TO go through the Court system. Someone with more knowledge will answer it better I'm sure....
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Thanks brother. Yeah it is a decent hourly pay job ($17.27hr) and the commission can literally be either $200 month or $3000 month depending how you sell and how many charge backs you get. I tend to sell a lot though, and my average commission check is $1000-1900 on top of my hourly which is usually...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    Yes I "cashed out" my 401K and Pension. I did have 3 current loans being payed back at the time, but the 401K money I believe payed off those loans before it was deposited into my Chase checking account if I remember correctly....so it get's a bit more tricky I'm guessing. I will call them...
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  • Trevor
    replied to Bank Levy? This makes no sense to me
    justbroke I have a question for you, I'm not sure if you or anyone can answer though. I even tried searching google.

    I took out my 401K and Pension with Fidelity when I voluntarily quit AT&T. Once I start working there again, can I reopen the 401K to start having money from my pay go...
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