chapter 7 questions:

[AngelinaCat]

I concur. Ms Cali is one of the most helpful and supportive members of our Board.

[AngelinaCatHub]

This person is scared and nervous. Hub, you might mean well, but your post is unnecessary. You are setting up we and them camps for new members and IMO, this is not a good thing.

The same thing happened to the poor woman who wanted to know if she could bring her kids to the 341 meeting. The moderator stepped in and although I even disagree with the moderator's post that I felt propagated the issue, I had to back off and let the mod take over in what she thought was the right thing to do.

Then there was the one with the name calling which didn't sit well with me, either.

It seems to me that the best thing to do when someone gets this upset as the three I mentioned is to ignore their lashing out and try to persuade them to calm down so that they can read here and better educate themselves. That is how we can help them best.

I use this forum for information, but lately I don't like the way some posts have turned. There are so many forums where this kind of bantering is a daily thing. The mods have a hard enough time keeping up with all the posts and I think most people here try to respect that.

As in real life, some people can take the hard and cold truth and we can speak our minds, but some people need some sugar on the truth until they can face reality by themselves.

[momof5]

You don’t post in January your intent to file BK and then purchase $2800 worth of carpet some months later.

I think thats about all that needs to be said. I think HUB sums it up nicely! There are to many others here who are genuine in their fear of filing. Genuine meaning that they are looking for true help and support in this process. I think many of us know fairly quickly because we pay close attention to posts and when we sense that something isnt adding up,it becomes VERY obvious. Again, there are way to many genuine threads and questions to compare to. Spend a few days reading them and theres the proof.



What I dont get is these people who post looking for answers... then pull out the claws when they get questioned. Wow! You want help or not? Then expect a few extra questions so that those who may know the answers CAN help. None of us want to go to bed tonight and feel we wasted our time on a person who only wants to read what they have convinced themselves SHOULD be the answer. Sorry thats not how life works. My 6 year old knows this!!!!!!



The good news is these type of posts are very few and far between.

[AngelinaCatHub]

Clap, Clap, Clap, on Mom. I am not applauding in the fact of support. I say it like I see it. I appreciate that others do as well. ‘Hub

[suzyqpug]

I really feel compelled to comment a few of you posters.
We were having trouble and i came across this forum but then my hubby got a bonus check and we thought we could live on it until next year and then he would get another, but things didn't work out like that. Now all of you that are on here, well mostely, have had credit problems. I have read some of the posts and some of you are really down right mean people. How dare you say that I am trying to defraud the system. How dare you! Let me say that when some of you posters filed for chapter 7 did you live better after that? Did you have extra money? Why didn't you try and pay some of those creditors back then? You used the system yourself. I am here for help and some of you actually wish me bad. What the heck. How evil.You are crewsofiying me. Shame on you. I looked up to all of you for answers and then you throw me under a bus. I felt like crap when i came on this website and after today i might as well throw myself into traffic. Some of your posts are - SHES A GAMBLER, SHES IS TRYING TO DEFRAUD.... All i did was ask for advice. I didn't think I was dealing with the mafia. Shame on you.... Shame on you. One day you will have to answer to a higher up. The way some of you posters have protrayed me is terrible. You don't even know me. When I first came on in the beginning of the year I was having problems but then the bonus came and we thought ok we can do this but then we couldn't. Its just like people getting a BK13 and then filing 2 months later for a BK7. All i have to say is YUK....The carpeting has no payments for a year we figured next years bonus will pay for it. I didn't try to defraud. OMG. But, I did find one friend who is a sweetheart on here, thank god for here, cause the way you all made me feel is that i am a worthless, gambler, liar, defrauder, etc. Shame on you. But thanks to tht one special person that reached out to me. You are a sweetheart. I promise I will never ask another question again. I am so upset right I don't even know you people and I am actually crying, cause see i am a good person. You people chewed me up and spit me out. I hope you feel better, some of you must of been the big bullys when you were young. I will pray for you to become a more caring compassinate person. Shame on you. My heart breaks....

[liz417]

This person is scared and nervous. Hub, you might mean well, but your post is unnecessary. You are setting up we and them camps for new members and IMO, this is not a good thing.

The same thing happened to the poor woman who wanted to know if she could bring her kids to the 341 meeting. The moderator stepped in and although I even disagree with the moderator's post that I felt propagated the issue, I had to back off and let the mod take over in what she thought was the right thing to do.

Then there was the one with the name calling which didn't sit well with me, either.

It seems to me that the best thing to do when someone gets this upset as the three I mentioned is to ignore their lashing out and try to persuade them to calm down so that they can read here and better educate themselves. That is how we can help them best.

I use this forum for information, but lately I don't like the way some posts have turned. There are so many forums where this kind of bantering is a daily thing. The mods have a hard enough time keeping up with all the posts and I think most people here try to respect that.

As in real life, some people can take the hard and cold truth and we can speak our minds, but some people need some sugar on the truth until they can face reality by themselves.

Well said FLTOO! Yes, we are all scared of the unknown and some people are nervous as h*ll. We are here to help others and sometimes that includes just a "little bit of sugar"
Let's leave it at this and not have the forum we had with Berrymom last week.

~Liz
P.S. I can't remember if it was Berrymom or not...sorry.

[fltoo]

I think thats about all that needs to be said. I think HUB sums it up nicely! There are to many others here who are genuine in their fear of filing. Genuine meaning that they are looking for true help and support in this process. I think many of us know fairly quickly because we pay close attention to posts and when we sense that something isnt adding up,it becomes VERY obvious. Again, there are way to many genuine threads and questions to compare to. Spend a few days reading them and theres the proof.



What I dont get is these people who post looking for answers... then pull out the claws when they get questioned. Wow! You want help or not? Then expect a few extra questions so that those who may know the answers CAN help. None of us want to go to bed tonight and feel we wasted our time on a person who only wants to read what they have convinced themselves SHOULD be the answer. Sorry thats not how life works. My 6 year old knows this!!!!!!



The good news is these type of posts are very few and far between.

And........we're off. I give up.

[fltoo]

[QUOTE=suzyqpug;182534]I really feel compelled to comment a few of you posters.
We were having trouble and i came across this forum but then my hubby got a bonus check and we thought we could live on it until next year and then he would get another, but things didn't work out like that. Now all of you that are on here, well mostely, have had credit problems. I have read some of the posts and some of you are really down right mean people. How dare you say that I am trying to defraud the system. How dare you! Let me say that when some of you posters filed for chapter 7 did you live better after that? Did you have extra money? Why didn't you try and pay some of those creditors back then? You used the system yourself. I am here for help and some of you actually wish me bad. What the heck. How evil.You are crewsofiying me. Shame on you. I looked up to all of you for answers and then you throw me under a bus. I felt like crap when i came on this website and after today i might as well throw myself into traffic. Some of your posts are - SHES A GAMBLER, SHES IS TRYING TO DEFRAUD.... All i did was ask for advice. I didn't think I was dealing with the mafia. Shame on you.... Shame on you. One day you will have to answer to a higher up. The way some of you posters have protrayed me is terrible. You don't even know me. When I first came on in the beginning of the year I was having problems but then the bonus came and we thought ok we can do this but then we couldn't. Its just like people getting a BK13 and then filing 2 months later for a BK7. All i have to say is YUK....The carpeting has no payments for a year we figured next years bonus will pay for it. I didn't try to defraud. OMG. But, I did find one friend who is a sweetheart on here, thank god for here, cause the way you all made me feel is that i am a worthless, gambler, liar, defrauder, etc. Shame on you. But thanks to tht one special person that reached out to me. You are a sweetheart. I promise I will never ask another question again. I am so upset right I don't even know you people and I am actually crying, cause see i am a good person. You people chewed me up and spit me out. I hope you feel better, some of you must of been the big bullys when you were young. I will pray for you to become a more caring compassinate person. Shame on you. My heart breaks....[/QUOTE

I am glad you found someone on here to talk to. There are many others so I do wish you would keep posting. I am so sorry that you had to go through this. A recovering addict is the worst enemy.

I am appalled at the insinuations that were thrown at you. And.....these judgmental people still do not get it. So, take the good and ignore the bad.
I am very saddened by the harsh judgmental attitude on this board. It is not just a few threads as someone said. IMO, it is too many and it has put me off enough to stop posting my thoughts.

[AngelinaCat]

I really feel compelled to comment a few of you posters.
We were having trouble and i came across this forum but then my hubby got a bonus check and we thought we could live on it until next year and then he would get another, but things didn't work out like that. Now all of you that are on here, well mostely, have had credit problems. I have read some of the posts and some of you are really down right mean people. How dare you say that I am trying to defraud the system. How dare you! Let me say that when some of you posters filed for chapter 7 did you live better after that? Did you have extra money? Why didn't you try and pay some of those creditors back then? You used the system yourself. I am here for help and some of you actually wish me bad. What the heck. How evil.You are crewsofiying me. Shame on you. I looked up to all of you for answers and then you throw me under a bus. I felt like crap when i came on this website and after today i might as well throw myself into traffic. Some of your posts are - SHES A GAMBLER, SHES IS TRYING TO DEFRAUD.... All i did was ask for advice. I didn't think I was dealing with the mafia. Shame on you.... Shame on you. One day you will have to answer to a higher up. The way some of you posters have protrayed me is terrible. You don't even know me. When I first came on in the beginning of the year I was having problems but then the bonus came and we thought ok we can do this but then we couldn't. Its just like people getting a BK13 and then filing 2 months later for a BK7. All i have to say is YUK....The carpeting has no payments for a year we figured next years bonus will pay for it. I didn't try to defraud. OMG. But, I did find one friend who is a sweetheart on here, thank god for here, cause the way you all made me feel is that i am a worthless, gambler, liar, defrauder, etc. Shame on you. But thanks to tht one special person that reached out to me. You are a sweetheart. I promise I will never ask another question again. I am so upset right I don't even know you people and I am actually crying, cause see i am a good person. You people chewed me up and spit me out. I hope you feel better, some of you must of been the big bullys when you were young. I will pray for you to become a more caring compassinate person. Shame on you. My heart breaks....

Ms Susyq:

I totally do not understand your attitude. We are only trying to help you. We are NOT your enemies, BUT YOU WILL NOT HELP US!!!

Now we hear about a hubby's bonus that is supposed to pay for the carpet? That is NEW NEWS, at least to me.

I am not going to take the time to go back and forth and research what you may have said in prior posts and try to knit it together. I have my own life to live. I only tried to extend a little bit of my experience and sympathy to you, and you have effectively trashed all of us. I understand your pain. Been there done that. I will not accept your shovelload of shit on MY head becasue of whatever your inner shitload is.

Get compassion in your own life.

Goodbye

As Angel would say: *!!CHUFFTT!!!*

[AngelinaCatHub]

[Cali]

I was helpful to the OP, and the OP treated me badly in the response to me.

[AngelinaCatHub]

Cali, "You can't win 'em all." Some are write offs.

[suzyqpug]

Enough!!! What is wrong with you people. You are here to rip apart people. I have an attorney and he knows my story. I do not have to tell you my person business. I only give bits and pieces, thank god i didn't have an addiction, thank god!!!! WOW, Am in in a different world? What is wrong with you people? Do you have a heart? You know what don't answer anymore of my questions. I never specifically email you and ask for your opinion. My god, I have read the one where the women asked if she could bring her kids to a 341. You nearly crushed her. You gurus think you have the right o tlak down to people cause thats exactly what you do. GOODBYE. END OF CONVERSION... CAN THIS ONE BE CLOSED PLEASE... I am alot of health problems that you ar ejust compounding them more. Oh thats right i never told you that neither huh??? GOODBYE

[justplaintired]

I do feel bad for all involved in this post. First off, I don't think any of us can't relate to how much stress this poster is under. She made big mistakes and now she's trying to figure out what to do. Who of us hasn't worried about something we did before filing and what effect that might have on our outcome?

I do not believe Cali meant any harm, she is direct and to the point, she only means to help.

This poster it appears thought this bonus check was going to save them. Now who of us hasn't thought something would save us? I know we borrowed against our home which we actually had decent equity in thinking that would save us, needless to say it didn't. We still ended up where we should have gone long before we made that huge mistake, but we thought that would save us.

Now this poster has some huge issues and she needs lots of good advice. For instance, you really need to put some time between some of the actions you took. Carpet for instance, that is a big one. Could you possibly reaffirm? Make the payments, keep the carpet?

Money paid to a friend for using their cc, that's preferential payment.

I didn't go back and review your other post, so have you talked to an attorney? If not then in my opinion that's what you need to do. Be completely honest with them. They can give you legal advice and tell you how long you need to wait to file. You really need some good legal advice. Don't give up. There is a light at the end of the tunnel.

Remember sometimes we get the answers we want, other times we don't. No one meant to offend you, I think tempers flair sometimes just as a result of the stress.

Posted this at the same time you were posting, sorry, I didn't realize you already have an attorney. They can help you with some of these issues. Good luck

[lrprn]

Please allow me to clarify so we are all on the same page....unless a member is a troll, posts spam, or deliberately makes trouble here, EVERYONE is welcome and all questions are welcome. It's all too easy to mis-interpret feelings and intent when all we have to go on are written words.

This thread has strayed off into an "us vs them" area that isn't compatible with the spirit of this forum. Please, folks....no more interpreting about who said what, who meant what, or who was "dissed". Let's get our focus back to what really matters - helping each other and providing emotional support during some of the roughest and most stressful times of our lives. 'Nuf said.