New Girl on the Block, "Howdy All"!

[CAB_44]

you wish to be judgemental, then be judgemental toward the
BK system, not the people that will no doubt take advantage of it.
its not like i woke up one day, I think i will run up 100k in debt and
write it off, for some, thats how it will end up... my arogant ass
attory and trustee will come up with the figures they show
what I will payback...

whatever................................
LOLLOL

[davids]

Bk

Actually dvids....
my husband works TWO jobs, and I work outside the home as well.....trying to pay off our debt.......................
I hardly think I am abusing the system.....I have always worked.....since I was 16, and so has my husband...everyday~ because why??? WE ARE ABLE TO!!!!!!
Some are not able to...and I understand~

I have this very strong sense from your posting that you are trying
to convince people that you are actually doing a good deed
by filing BK 13 yourself... and it doesnt really matter what the reason
is, or how valid the reason is... Im not judging you on how you take
advantage of the system...weather it is to halt creditors, or STOP
INTEREST THAT YOU OWE.... but you are taking that advantage...
just like me...

[CAB_44]

am I missing something...people file BK for a reason, why would
anyone wish to pay back 100% of a debt that they filed BK on?
I would want to pay back the least amount possible, and move on...

I believe you wrote this one~
what else is a person supposed to think when someone here writes a post like this~
So WHY wouldn't I want to payback my debt???????
because I CHOOSE to.....
how am I pointing a finger and being judgemental about you on that???
Just because I CHOOSE to payback...if you don't ...that's not my problem...it's yours~ and if you feel judged.......maybe you should, but I wasn't the one judging you~ you did that yourself....
I was merely speaking about MYSELF with a concious....and I do~ have one......!!!!

[CAB_44]

I have this very strong sense from your posting that you are trying
to convince people that you are actually doing a good deed
by filing BK 13 yourself... and it doesnt really matter what the reason
is, or how valid the reason is... Im not judging you on how you take
advantage of the system...weather it is to halt creditors, or STOP
INTEREST THAT YOU OWE.... but you are taking that advantage...
just like me...

I don't NEED to convince anyone...for my actions.....I really don't care what anyone thinks....~ I know why I'm having to declare BK. and I harly think that by wanting to pay back my debt is a judgment against you or anyone else......
hardly~

[davids]

Bk

I don't NEED to convince anyone...for my actions.....I really don't care what anyone thinks....~ I know why I'm having to declare BK. and I harly think that by wanting to pay back my debt is a judgment against you or anyone else......
hardly~

Outstanding... I dont care what anyone thinks either.

Have a nice day.

[CAB_44]

Thank you....you do the same!!!!!!!!

[treehugger1]

Everyone has to work at finding their "good night's sleep." I'll probably payback every dime of principle, and I'm okay with that. It is my debt and the laws require me to address the debt. I'm also okay with folks paying back nearly nothing should that be the case. At some point, we all gain some atonement; the cost of which is reflected in our personal choices and ability to pay.

[CAB_44]

Everyone has to work at finding their "good night's sleep." I'll probably payback every dime of principle, and I'm okay with that. It is my debt and the laws require me to address the debt. I'm also okay with folks paying back nearly nothing should that be the case. At some point, we all gain some atonement; the cost of which is reflected in our personal choices and ability to pay.

Absolutely~ no one says it better here than you did there treehugger1
I too am okay with it..if you can't pay it...you can't...and there's no shame in it.......none what so ever~
that's what I said in my previous posts...I am not here to judge anyone~ I'm only to judge myself~ I am having a hard enough time on that one for myself let alone to do anyone else....besides that not what it's about~
eveyone has had troubles at one time or another...and I have mine too~ we all do
I do have the ability to pay, and that what the laws says...so that's what I will do~~ but even if I did...FOR ME...that would be my choice~
I tried to go into a bank and get some kind of a secured loan to pay back the CC's several years ago...because I knew that we could, if it wasn't for the high interest.....but of course, we had no assets......and they wouldn't~
so this was my only option...to do BK~
but to be put down for wanting to payback my debt? his post was insulting~
I found it to be very insulting.....
so I had to defend myself~ and I did!!!
Thanks Treehugger1

[InLimbo]

I'm a little late with this but "Welcome to our little family"!! This board will be your life line through your bk as it has been for all of us. I wish you smooth sailing through your bk and we're so glad your here!

[Karenna16]

Hi everyone, again. I just read thru this thread and I see that there was some bantering going on. Hopefully all involved are clear and okay with the words spoken.
I have mixed feelings about filing. On one hand, I am so sorry that I spent more money on "stuff" then I can afford. It was an emotional, greedy, irresponsible thing to do. Spending the money on others ultimately made me feel good, so even that was self serving.
But, on the other hand, I am slightly angry with the credit card people. They are like gangsters, loan sharks. It used to be, at one time in our history, illegal to lend money to someone with interest on the payback. These credit card companies are also using the system, the "human nature" system. The debt problem is epidemic in our country. It is just too tempting to use the plastic to feed our impulsive, "I want it, and I want it now" , spendthrift tendencies. The credit card people knew I paid my debt without ever being late for 25 years. Even up until the day I filed, I have never missed a payment. Every day of those 25 years I was sent letters urging me to spend more, to borrow more. They even gave me little gifts here and there to encourage my spending habits. I was a junky and they were my supplier.

This is just how I feel about it at times. I don't plan on owning a credit card after bankruptcy. I have to go cold turkey.

Thanks for all your welcoming replies and well wishes. I go to my meeting November 6th. I am not nervous, as I have been thru so much in my life, this is like a walk in the park compared.

Thanks again all

Karen M.