My first two late fees!

[LuciluS]

I gotta have a sense of humor to get through all this stuff.

Yep! I can remember last Sept. when I faxed paperwork the CCCS & they called the next day & told hubby & I they couldn't help us. We needed an Attorney. We are new to this area and although, they are not allowed to recommend an Attorney, I coaxed the guy into giving me the 1st three letters of an Attorney's last name.

I prepared a Spreadsheet of our Income and Expenses and we met with him 3 days after that call. Attorney briefly scanned over my spreadsheet and said Yep, you qualify for a Chapter 7 Bankruptcy. Crap, I didn't even know the different names of bankruptcies, much less what they stood for.

We came home, hubby went to work and I cried for days and days. Then Hubby found this forum and I began reading posts, using the Search feature & asking questions. If it wasn't for this Forum, we most likely would have already filed and be in a Chapter 13, due to a 10 yr payout on a QDRO (my divorce) which ended in 2/09.

Yep, Ya gotta add some Humor in your life while going through Bankruptcy

Luci

[queenfluff]

I understand the mixed emotions too. My brain looks at the due date and thinks "I need to paid that (panic!)" but I know I don't need to anymore and I need to tell myself "No, you don't need to pay anymore and you won't EVER have to AGAIN!". Your world is different now - you are in BK now.

For me, I look at it and think "Look at those icky late fees! I will NEVER have to pay them! WooHoo!" (sticks out tongue at banks! ). They also signify my soon-to-be fresh start in life.

So, for me it doesn't bother me to look at them - on the contrary - I am very curious to what kinda of wacko interest increase they will give me or anything else. My Citibank bill is pretty high so I figure what is a couple more thou on there. Two of my cards will actually probably go over the limit so that will be interesting. I figure I am going to take it all with a grain of salt and get a few giggles and snorts out my wacked out bills - which soon won't be mine anymore to worry about.

I gotta have a sense of humor to get through all this stuff.

[TheAbyss]

Hey, check it out! Today I got two late fees on my two Chase cards - $40 each one. Only took one day for each one. I have never had a late fee before in my life (well, not on a cc as far as I can remember). No APR increase yet and my Chase checking acct is safe. But I know I can look forward to 29.99% APR on all my cards soon.

I know its not a huge deal but it is such a weird thing for me - getting a late fee - I would have never have allowed it before. So strange a feeling to just let the bills "slide"....To me though, the late fees signify that, the ball is rolling so to speak. Of course, doesn't matter because I get my case number tomorrow and soon my 341 date and I will feel slightly "protected" in a way with that stay!

Funny how I will probably have no late fees on my Citibank account because the card I have waives late fees - don't know how long that lasts though - I think it only for the first 5 days but I have never had to find out before. I guess I will soon!

Ha! Ha! Chase and Citibank!

This calls for "I am now officially late" celebration tonight. Hmmm...
Ok, I have a slightly twisted in my sense of humor here.

I'm going through a similar thing. American Express has sent me two late notices, and 1 notice that they've closed the other account. They've also sent my new statement with my new late fee. Chase has sent me 1 late notice. Up until this month, I've never been late. Except once, but it was an honest lapse in memory.

[LuciluS]

I haven't opened our CC Statements since January. I can tell by the envelopes, they are statements. They are just in a pile in my office.
Figure no reason to open them as I'm sure the minimum payment & balance due is Outrageous.

Not filing until 9/30/09 so will open sometime in August. So far, only 3 collection agency letters & quit paying on all but 1(Crap 1, BT in 8/08, so made more than min. pymt. for 3 mths, at the advice of Attorney) in 9/08. I attached the letter to the folder which holds that CC statements for the last 6 years.

Think I might need to figure out a way to attach a Cart to the back of my Scooter as I intend to bring all Files to the 341 hearing.

Luci

[hurtininaz]

I am a week late on my truck and already getting calls. I keep having to talk myself out of just making the payment. Just not paying is definately harder than I thought!

[JoeBankrupt33]

I know the feeling. The day that you finally decide to quit paying on things. It's surreal, and for me there was a rush of different emotions. I also remember having a queasy stomach. But that's all over, and hopefully I can start fresh and do it right this time.

[queenfluff]

Hey, check it out! Today I got two late fees on my two Chase cards - $40 each one. Only took one day for each one. I have never had a late fee before in my life (well, not on a cc as far as I can remember). No APR increase yet and my Chase checking acct is safe. But I know I can look forward to 29.99% APR on all my cards soon.

I know its not a huge deal but it is such a weird thing for me - getting a late fee - I would have never have allowed it before. So strange a feeling to just let the bills "slide"....To me though, the late fees signify that, the ball is rolling so to speak. Of course, doesn't matter because I get my case number tomorrow and soon my 341 date and I will feel slightly "protected" in a way with that stay!

Funny how I will probably have no late fees on my Citibank account because the card I have waives late fees - don't know how long that lasts though - I think it only for the first 5 days but I have never had to find out before. I guess I will soon!

Ha! Ha! Chase and Citibank!

This calls for "I am now officially late" celebration tonight. Hmmm...
Ok, I have a slightly twisted in my sense of humor here.