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

[debtmonster]

Amex - $150,000
Capital One - $6,200
Chase - $13,000
Citi - $14,000
Discover - $30,000
Wells Fargo - $75,000
Wamu - $15,000

First $550,000
Second $150,000

$1,003,200 ............DOH!!!!

WHOA NELLIE!

One thing I should have also asked at the very beginning of this is:

1. How much money was the average household income per year at the time you incurred the debt.

2. How much was the household income at the time of discharge.

3. What state you live in.

This would be handy for lurkers considering bankruptcy.

At my peak, we made almost $100k household for 2007.

[getmeoutofhere]

debt

Amex - $150,000
Capital One - $6,200
Chase - $13,000
Citi - $14,000
Discover - $30,000
Wells Fargo - $75,000
Wamu - $15,000

First $550,000
Second $150,000

$1,003,200 ............DOH!!!!

[debtmonster]

You know what else is a really good feeling? Even if I max out every "new" card that I have, I will only be $2K in debt (which will take about 2 months to pay off) It's an even greater feeling knowing that, even if I TRIED, I could NEVER be in debt like that again anytime soon.

The system should be changed so we're not allowed to get deep into debt. instead of making a bankruptcy reform law, they should have reformed the banks giving out credit.

If they would change the law and make credit cards stay on my credit report forever instead of falling off in 7 years, I would not be able to get into it as deep as I did.

Why do they always help the rich and punish the poor? They bail out multi-million dollar CEO's but make all kinds of laws to bring the small guy down.

They need to make it illegal for employers to lay people off. Forget this "right to work" state crap. Look at people working for the government. They can get drunk, do drugs and what do they do? They send them to rehab. They don't fire them and ruin their financial lives. All businesses should be like this. In order to lay somebody off, the businesses should have to get permission by the government. People have a right to earn a living and keep that money coming in just as long as a CEO does.

[Stilltheone]

BOA 6500
CHASE 18000
CITIBANK 5300
DISCOVER 5900
GE BANK 5500
JCP 7000
SEARS 8500

TOTAL 57K

Still the one, man you're right, it does feel good knowing thats in the past.

I will NEVER let that happen again

You know what else is a really good feeling? Even if I max out every "new" card that I have, I will only be $2K in debt (which will take about 2 months to pay off) It's an even greater feeling knowing that, even if I TRIED, I could NEVER be in debt like that again anytime soon.

[debtmonster]

I'm naming them all because I don't want them ever coming back to haunt me.

A friend of mine had a nice SUV paid off. A creditor came back from the dead and put a lien on it and repo'd it. I don't want that happening to me years from now.

[Mi Bankruptcy]

Estimated
Chase $300.00
Shell $400.00
Best Buy $1,500.00
BP card $300.00
Sears $500
Target $2,000
Walmart $1,100.00
Lowes $1,600.00
GM Card $750.00
Citi Card $3,500.00
Home Depot $2,500.00
Direct Merchants $2,500.00
JC Penny $1,700.00
Bank of America $4,000.00
Furniture $3,000.00
2 Autos $7,0000.00
Hospital $8,000.00
Student loan $35K
House loan $67K

Hmm.. just a copy and past when I did an analysis and put it in a pie chart for my wife..

Of course, I get to keep my house, cars and student loans--none of which I am upside down.

Of course, this may not seem like much.. However, when making 40K+ a year it's too much debt

[AngelinaCatHub]

Nope. I owe about that much on a single car that I plan on turning in.

I have a bunch of old debt that is past the statute of limitations. It will take me a while to research it all. Some banks have bought out other banks. I had a car repo'd in 1994 and a few months ago some collection agency called about it. They were representing another bank that I have never done business with. I told them they had the wrong person. They told me the new bank. I called the bank and the bank told me they bought out some other company and then the debts were transferred. I had close to $100k alone in old debts that are 4 to 15 years old. I don't want them coming back. Since I am the one who started this thread, I want to get a good size list to post on here to compare the way other people were nice enough to post their list.

[AngelinaCatHub]

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.

[debtmonster]

wow, thought a had a large debt, i had 38k CC, personal loan and veh.

Nope. I owe about that much on a single car that I plan on turning in.

I have a bunch of old debt that is past the statute of limitations. It will take me a while to research it all. Some banks have bought out other banks. I had a car repo'd in 1994 and a few months ago some collection agency called about it. They were representing another bank that I have never done business with. I told them they had the wrong person. They told me the new bank. I called the bank and the bank told me they bought out some other company and then the debts were transferred. I had close to $100k alone in old debts that are 4 to 15 years old. I don't want them coming back. Since I am the one who started this thread, I want to get a good size list to post on here to compare the way other people were nice enough to post their list.

[frontier2005]

wow, thought a had a large debt, i had 38k CC, personal loan and veh.

[Over our heads]

Forgot to add close to 3k in medical bills.

But we will ALWAYS have med bills, so I honestly don't count them.

[Over our heads]

HI-loan 10,200

CC
BofA 21k
GM 12k
Disc 10.5k
Disc 7.1k
Citi 6k
Best Buy 2.7k
----------------
59,300 (and rising)
+10200.00 (hi-loan)
------------------
69,500.00

This is what we are hoping to discharge.

We will reaff :

House:
1st 156k
2nd 94k
Car 13,500
-------------
263,500.00

[stressin]

I had around 11 cards and one vendor with approximately $72,000 that I am asking to discharge through bankruptcy.

[ansky0007]

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

[pa308]

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

BOA 6500
CHASE 18000
CITIBANK 5300
DISCOVER 5900
GE BANK 5500
JCP 7000
SEARS 8500

TOTAL 57K

Still the one, man you're right, it does feel good knowing thats in the past.

I will NEVER let that happen again