It would be nice to see your personal list of creditors and amounts for everyone

[debtmonster]

It's funny because I remember being in "that whole" every month, just trying to survive. Everyime I'd make a payment, I'd have to charge food and gas just to get by during the month.

Now, it feels good to go grocery shopping and use my DEBIT card or write a check. <gasp>

Lately we've been using using our BP/Amoco card to buy food because all of the other cards are full. Do you know how bad it is to have to eat gas station food?!?! It's all crap!!!

I wish this thing could be done and over and then I want to be forbidden from ever getting credit again. Can't a judge order that I never get credit again and put that on my record so credit card companies will stop giving me the offers? My wife was worried about getting credit after the bankruptcy. I told her, "That's what got us into all of this trouble in the first place!"

We need to start living within our means from this point forward.

[Stilltheone]

Yes, that is some very serious relief!

For the first time in nearly a year, I can already start to feel the stress levels go down as we are starting to stop paying many of our bills. We are fighting less as we will start to have money in the bank to buy food for once.

It's funny because I remember being in "that whole" every month, just trying to survive. Everyime I'd make a payment, I'd have to charge food and gas just to get by during the month.

Now, it feels good to go grocery shopping and use my DEBIT card or write a check. <gasp>

[debtmonster]

It's funny when your in the middle of the storm it doesn't look so bad, you keep thinking I will pull out of this and make it up next month, and next month never comes.

Wow... I was in that storm for many years then and never got out.

[Overmylimit]

It's funny when your in the middle of the storm it doesn't look so bad, you keep thinking I will pull out of this and make it up next month, and next month never comes.

[debtmonster]

WOW, that feels good to look at that and know I'm nowhere NEAR that anymore!

Yes, that is some very serious relief!

For the first time in nearly a year, I can already start to feel the stress levels go down as we are starting to stop paying many of our bills. We are fighting less as we will start to have money in the bank to buy food for once.

[AngelinaCat]

With medical bills and CC's, I would roughly say about 90 to 100K. 'Hub

I'll break it down a little bit. This is off the top of my head so is not a complete list:

AT&T Universal MC 36,000.00
Sears MC 6,000.00
American General 5,000.00
1st Coast CU 13,000.00 -- not even OUR debt, but we co-signed for an acquaintance to get a car. BAD move.
FPL Utility 1,300.00 -- they gave us this credit post discharge

That is about it as I recall w/o going through the paperwork. Does not include any of the medical from 'Hub's 2004 Prostate cancer surgery, my 8/2007 fall with broken arm and knee, or 'Hub's 11/2007 skil-saw accident resulting in life flight and emergency surgery. Nor does it include any of the legal fees acrrued defending ourselves against our Enemy.

[santadawg]

retained lawyer on 10/09/08--not filed yet-hoping for a Ch-7

B of A-36000.
Elan-8000.
Chase-13000.
Credit Union-5000.
Capital-1--2500.
Sears--6000.
Kohls-1500.
JCP--2700.

total CC-around-75000.

Keeping
house-1st-186
2nd--------53

Not sure---credit Union
car---owe--18K
truck-owe--5K:

[funcritter]

Ok well let's see here:

Wachovia (home loan) $230,000
BestBuy Rewards $2,000
BestBuy CC card $3,200
CircuitCity CC $3,200
Direct Merchants CC $4,000
Juniper CC $3,500
WaMu CC $1,000
Bill Me Later $1,700
Capital One (2 cards) $1,300
Household Bank CC $1,500
2009 Chevy $15,900

Total $267,300

[Stilltheone]

Here's my list: (I actually pulled my paperwork....I couldn't remember what I all had!)

Chase Disney Visa: $8900
Chase Disney Visa: $6500
American Express: $5000
Gymboree US Bank: $4000
Us Bank Platnium: $5000
Lane Bryant: $1000
Discover: $5000
Discover: $4800
MIL Loan: $1500
Citi Cards:$500
Paypal line of credit: $500
GE Money Bank: $ 1800
US Bank Overdraft: $500
The Childrens Place:$150
Sears: $4200
Lowes: $1400
ER Bill: $500
Kohls: $ 2600
Goodyear Card: $1300
Bill me Later: $1700
Bill me later: $1000
Furniture Card: $1000
Lab Bill: $450
American General: $1000

Actual total around $60K.

WOW, that feels good to look at that and know I'm nowhere NEAR that anymore!

[magyar123]

Mine:
Discovercard - about $10000
Chase about $ 7500
Bank One about $ 7500
Wells Fargo about $ 4000
Personal loans $15000 mostly hospital bills
Car loan $ 8000
Total $52000

Oh, forgot - Providian card for $3000
Bank of America - $8000
First Premier $ 500

So really altogether: $63,500

[debtmonster]

Wow... I can't wait to get my list on here! I am going to wait for each bill to come in one at a time. Once my list is near complete, I will try to post everything. I thought I had a lot to go, but now I see that I am not alone.

This posting should lead by example.

[StartingOver08]

This is my first post on this forum. Just filed BK7 09/30/08 Mtgs and Sec claims $849k and unsecured $145k + Priority $7.5k = just over $1M

[Tbornetun]

I am a paralegal so I see lots of different levels of debt. This was the biggest case I have ever filed.

[Overmylimit]

Hmmm I think too many to post but here is the overview.

1st Mortgage GMAC 650k
2nd Mortgage SLS Loan Servicing 177k

2 Rental Properties

1st GMAC 53K
2nd Ocwen by the way Ocwen is the worst company on Earth 16k

1st Indy Mac 56k
2nd Indy Mac 14k

Unsecured Business lines of credit:

Banco Popular 51k
Bank of the West 100k
B of A 3 accounts total 49k
Citi 16k
Wachovia 50k
Wells Fargo 30k
Wamu 2nd worst company on Earth 50k
Cal Bank & Trust 50k
Advanta 29k
Discover Business 4k
Capital 1 5k

And a few misc that I am forgetting, so like 1.4 mil......


I appreciate all the advice this board has given me, I will be filing soon I am just trying to put time between $$ being spent and BK.

As you can see my #'s are very big, thats why sometimes even after reading other posts I just don't think my case will be smooth sailing like many of you. I will be the guy they make an example of...............do they still do public hangings? Lol

[AngelinaCatHub]

My highest case was 3.2 mil. Tons of CC, medical bills and several properties all with 2nd and 3rd mortgages. This was a personal Ch 7 not business. Discharged!

Wow, not to make this a contest, but WOW!