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

[relief13035]

This is just really hitting me hard today. We filed last week and I think the guilt is setting in in a HUGE way. I've walked around the house trying to figure out what the heck I spent all that money on. OMG I have some of the most stupid things laying around here. Did I really need a potpourri pot to make my house smell good or the fancy pillows on my bed to make it look pretty? I hope these feelings I am having are normal during the beginning stages of this process. I feel fortunate to have found this site so I can ramble and read what others have been though and find out what I have ahead of me in the coming months.

[Flamingo]

Man - it makes me sick. How in the heck did I spend over $9000 at Target??? What kind of freak shopper am I?

It's because you had a credit card with a high limit with them; if you had to pay cash when you shopped there, you would not have purchased those items. Whipping out the plastic is so easy and having all that stuff that you don't really need half the time is so marvelous! Simple as that.

[debtmonster]

Man - it makes me sick. How in the heck did I spend over $9000 at Target??? What kind of freak shopper am I?

They should blame all of the ads for hypnotizing you.

[relief13035]

Man - it makes me sick. How in the heck did I spend over $9000 at Target??? What kind of freak shopper am I?

[debtmonster]

I added some more CC's to my official list to turn into the BK attorney and it's now over $250k. Still lots more to go. Tomorrow I will have to research all of the old debt and contact old creditors to get full account #'s and updated addresses to where the BK court can send the notices.

[debtmonster]

I wonder if CEO's of the credit card companies ever surf this site and see how we are all communicating with each other.

[relief13035]

It's strange to put it all out here in public, but at the same time relieved.

We are keeping our primary residence and the HELOC. $1315 + $420/mo.
Keeping a 2nd residence because my mother-in-law lives in it and she is low-income and makes the low mortgage payment. $481/mo (no out of pocket money for us)
Keeping both cars (not sure why yet). Mercedes @ $330/mo & '06 Titan @ $420/mo

But here it goes:

CitiMortgage - surrendering 3rd investment property $93,898
Flagstar Mortgage - surrendering 4th investment property $104,450
Capital One - $3,888
Capital One - $1,789
Bank of America - $5,462
Bank of America - $10,152
American Express Gold - $3,814
American Express Blue - $2,373
Chase - $1,575
Target - $5,352
Target - $4,383
CitiBank - $9,392
Lowes - $4,142
Household - $895
Washington Mutual - $402
Lane Bryant - $407
Home Depot - $380
Kohls - $259

Total = $252,311

Oh this is brutal.

[Overmylimit]

Actually no its not, Commercial Cleaning is the culprit

[shabam]

I know people who are in my line of work who make 300k per month....no joke thats after all expenses...and no we aren't in the Narcotics biz..lol

Must be porn then..

[shabam]

Here is only my personal CC's these are approx since they keep changing with all the late fee's and interest at almost 30% due to missed payments.

AE $200,000.00
Chase $20,000.00
Cap One $12,000.00
Citibank $29,000.00
Advanta $12,000.00
Discover $15,000.00
BOA $30,000.00
PNC Bank $30,000.00

$348,000.00

That is a badge of honor. Especially with Amex..

[shabam]

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

I am impressed.

Good work there..

Then again I have $140K on personal CC expenses alone..

[treadingwater]

Treadingwater, you need a scissors party. Drop those cards and after bk, cash is King.

Note my signature emblem? That is what got me here also. 'Hub

Yes, some very large scissors It feels good to divvy up the cash at payday and put it in labeled envelopes and not feel like I owe anyone.

[debtmonster]

If we don't like the CEO making millions just don't be a Patron of their business. This is the quickest way to give them a pay decrease!

That won't work because too many people are drones and will keep buying and they don't know about the pyramid scheme.

People don't need handouts... but instead of a CEO making $500 million per year, he should make maybe $20 to $100 million per year while the balance should be evenly dispersed to all of the employees each year.

It would be a nice if there was a law that made this happen. Spread the wealth. Nobody should be treated special just because they are the CEO. He's not necessarily putting in any more hours than an employee.

[Overmylimit]

Flamingo is right, I am down now but I will be back in the chips at some point for two reasons; because I have done it before and I know I can do it again. This time however I will play by the cash is king rules....


That being said I do agree they make too much but the bottom line is that we as the public don't have to deal with them, it's really our choice to pad their pockets. If we don't like the CEO making millions just don't be a Patron of their business. This is the quickest way to give them a pay decrease!

[Flamingo]

I know. You are right. It has been tried and has not worked in other countries from what I have been told.

I just don't think it's right for a CEO to make $500 million while all of his employees barely make $30-50k. That is just so unfair. I couldn't sleep at night if I were that CEO. People at the top should be forced to share the wealth with the hard working people. Instead, they are all treated as legal pyramid schemes.

It's business - businesses are out to make money for the owners and shareholders if a corporation. Guess who makes the money for those folks - the workers. The less they can pay the workers, the more money for the top brass and shareholders. you keep stating things are so "unfair." The only way to make things more "fair" for yourself is to change your lifestyle, get high degrees and get out there and work hard. No one hands you anything in today's world and sitting and whining gets you no where. No one will ring your doorbell and hand you a $100,000 because you feel sorry for yourself. That's just the way it is - it's reality.