I went to visit my attorney a couple days ago to submit my 6 months of bank statements, papers from when I was served to foreclose my house and all of the other paperwork they required...
They saw how many creditors I have and now they want $600 more to do the work. I'm up to like 70 people on the list. GEEZ! Remember, I'm at like $350k in total debt. My cousin is telling me not to file bankruptcy. HE IS INSANE! How am I supposed to buy another house, car and pay OLD DEBT for stuff I don't even own?
Remember my BMW SUV that everyone told me to get rid of that I haven't made payments in what, 6, 7 or 8 months? Well guess what? I STILL GOT IT!! And they haven't repo'd it! They can't repo what they can't find.
We moved out of our house to South Florida and we never forwarded our mail. We haven't moved everything out. I go back every couple of weeks to pick up more stuff and to check the mail. The neighbors told me that the repo man has been seen driving to our house. They left many business cards on the door, but I am never there since I am 350 miles away. The first repo man got tired of driving 30 miles out to my house each time that he gave up. The bank ended up sing a 2nd repo man. This time the guy drove to my house all the way from Daytona Beach!! Over 60 miles away!!!! Man, he must have been FUMING MAD to drive all that way only to find that I wasn't home.
We can't give the SUV back yet because we use it for moving stuff. We are staying with family members and there's no room here. We slowly move stuff down here and try to make room, little by little.
The bank must be boiling mad about not being able to find the SUV. I am hoping to get filed by August or so. My lawyer told me they are booked solid and it may take a couple months until she can get my stuff filed... not to mention them wanting an extra $600.
I'm no longer over the median. My last 6 months income has been like $20,000 or a little less. The median for Florida is like $26,000. My lawyer was charging me $500 for the means test!! WHAT A RIP OFF. If I had known this lawyer was going to be all this trouble, I would have went pro se.
Remember in my earlier discussions, when I was looking back from November or December, my income levels were between $5,000 and $7800 or so. Now I am grossing maybe $3200-3800 at best... way under the $4200/mo. average for the median.
We are so excited to get this going!! I want to have a bankruptcy party once I file. You guys have been hounding me for over a year to get this done and now I'm getting close!! At least I paid almost $4,000 to our attorney (which was a huge step) and now they have 95% of the paperwork they need done.
Now we have just a few things pending...
The result on my attorney giving me credit on the means test they charged me $500 up front which I will no longer need
The $600 they want extra to do the excess creditors
The last remaining bank statement right before I file
Any other small paperwork that was missed.
They saw how many creditors I have and now they want $600 more to do the work. I'm up to like 70 people on the list. GEEZ! Remember, I'm at like $350k in total debt. My cousin is telling me not to file bankruptcy. HE IS INSANE! How am I supposed to buy another house, car and pay OLD DEBT for stuff I don't even own?
Remember my BMW SUV that everyone told me to get rid of that I haven't made payments in what, 6, 7 or 8 months? Well guess what? I STILL GOT IT!! And they haven't repo'd it! They can't repo what they can't find.
We moved out of our house to South Florida and we never forwarded our mail. We haven't moved everything out. I go back every couple of weeks to pick up more stuff and to check the mail. The neighbors told me that the repo man has been seen driving to our house. They left many business cards on the door, but I am never there since I am 350 miles away. The first repo man got tired of driving 30 miles out to my house each time that he gave up. The bank ended up sing a 2nd repo man. This time the guy drove to my house all the way from Daytona Beach!! Over 60 miles away!!!! Man, he must have been FUMING MAD to drive all that way only to find that I wasn't home.
We can't give the SUV back yet because we use it for moving stuff. We are staying with family members and there's no room here. We slowly move stuff down here and try to make room, little by little.
The bank must be boiling mad about not being able to find the SUV. I am hoping to get filed by August or so. My lawyer told me they are booked solid and it may take a couple months until she can get my stuff filed... not to mention them wanting an extra $600.
I'm no longer over the median. My last 6 months income has been like $20,000 or a little less. The median for Florida is like $26,000. My lawyer was charging me $500 for the means test!! WHAT A RIP OFF. If I had known this lawyer was going to be all this trouble, I would have went pro se.
Remember in my earlier discussions, when I was looking back from November or December, my income levels were between $5,000 and $7800 or so. Now I am grossing maybe $3200-3800 at best... way under the $4200/mo. average for the median.
We are so excited to get this going!! I want to have a bankruptcy party once I file. You guys have been hounding me for over a year to get this done and now I'm getting close!! At least I paid almost $4,000 to our attorney (which was a huge step) and now they have 95% of the paperwork they need done.
Now we have just a few things pending...
The result on my attorney giving me credit on the means test they charged me $500 up front which I will no longer need
The $600 they want extra to do the excess creditors
The last remaining bank statement right before I file
Any other small paperwork that was missed.
Will be doing the same in a week or two to concentrate on updating our paperwork so we can file in Sept.
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