We filed chapter 13 back in September2005 and are in a 100% payback plan we're we are paying $2220 per month. We included mortgage arrearages, mortgage payments, 2 vehicles, etc in our plan. It has been very stressful to say the least. Our cars are older and we have had nothing but problems since we filed - we had to replace the engine in the one vehicle last year and now are experiencing more engine problems....think the car is done at this point....my car has been sitting in the driveway for a month now, since I am unable to afford to have it fixed. Needless to say, we have probably put at leat $7000-$8000 into car repairs in the last two years. I have been renting a car each week for 3 weeks
- which I hate to do...but, I NEED a car to drive to work. I was working 15 minutes from home, but last year my work decided that I needed to work out of the corporate office - which is 1 hour 15 minute drive each way. In the last year, my aunt passed away, my grandma had a heart attack at her funeral and passed away 2 weeks later, my son left for the Navy shortly after we filed, last January I found out that my husband was chatting with a much younger female over 200 times a month (texting/talking on cell phone-he swears it didn't go any futher than this), my cousin died from stomach cancer, my dad had to have part of his lung removed and has been having medical problems ever since, my 31 year old younger sister is awaiting a kidney transplant, etc. STRESSED!!! My husband and I have been trying to move on, but during this time I have been so devastated. I went to the doctor last January and he placed me on a medical leave from work for 5 weeks and put me on medication. I haven't been following up with the doctor in the last 3 months. Now my work decided to have mid-year performance appraisal reviews & I got rated a needs improvement. I was told that I've been thru many personal extraordinary events and they had to compensate for me while I was on medical leave. I have been with the company for 20 years and I have always been a very good employee and received very good appraisals. Now, the car problems....my husband doesn't know how he will get to work tomorrow. I don't know what I should do...he wants to see if we can get a loan for a car...I'm at a loss what to do...everything is always my fault....any advise????
- which I hate to do...but, I NEED a car to drive to work. I was working 15 minutes from home, but last year my work decided that I needed to work out of the corporate office - which is 1 hour 15 minute drive each way. In the last year, my aunt passed away, my grandma had a heart attack at her funeral and passed away 2 weeks later, my son left for the Navy shortly after we filed, last January I found out that my husband was chatting with a much younger female over 200 times a month (texting/talking on cell phone-he swears it didn't go any futher than this), my cousin died from stomach cancer, my dad had to have part of his lung removed and has been having medical problems ever since, my 31 year old younger sister is awaiting a kidney transplant, etc. STRESSED!!! My husband and I have been trying to move on, but during this time I have been so devastated. I went to the doctor last January and he placed me on a medical leave from work for 5 weeks and put me on medication. I haven't been following up with the doctor in the last 3 months. Now my work decided to have mid-year performance appraisal reviews & I got rated a needs improvement. I was told that I've been thru many personal extraordinary events and they had to compensate for me while I was on medical leave. I have been with the company for 20 years and I have always been a very good employee and received very good appraisals. Now, the car problems....my husband doesn't know how he will get to work tomorrow. I don't know what I should do...he wants to see if we can get a loan for a car...I'm at a loss what to do...everything is always my fault....any advise????
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