Please help me with my story

[LSUTiger32]

http://www.bkforum.com/showthread.php?p=353080#post353080

[LSUTiger32]

good luck I have been following your case I came on right around the same time as you. You might get it tomorrow.

Thanks! GOOD CALL!!!!!!

[fooked]

so glad to hear it... I finally filed yesterday... now the nail biting starts...

[logansdad]

good luck I have been following your case I came on right around the same time as you. You might get it tomorrow.

[LSUTiger32]

Nothing yet....I guess with Thanksgiving the actual discharge might not get filed until next week. The good news (I think) is that the date for objections has passed and there were none!

[LSUTiger32]

We survived the re-affirmation hearings for the only two things we kept, which were our primary residence and the one car.

Today was the last day for objection and there was nothing filed with today's date as of checking the PACER site five minutes ago.

Hopefully, discharge is coming soon!!!

[LSUTiger32]

I had to reaffirm my car, and it is absolutely nothing. It is not like a 341 at all. It takes about a minute.

Yeah it took about 2 or 3 minutes. He asked some questions and he had denied one right before us (like 3 cases before) because the guy wanted to re-affirm a $21K debt at $640 a month on a 2006 Buick. The judge was cracking us all up. He said for him to just keep making payments and they won't come get it and he told the guy if they do come get it that he was better off!

He did not want to do ours either but when I explained our situation he warmed a bit. He asked why we wanted to do this and I was honest in saying that I felt like Ford was requiring me to. He seemed to agree with this (obviously he knows Ford does pretty much require it) and made a comment to the attorney representing Ford. After that he approved it.

We have to go back for the house on November 18.

[backtoschool]

I have an attorney but she said she is probably not going to be there. I have no idea what to expect in the morning, so I will just wing it.

I guess I can ask the judge tomorrow about the other hearing.

I had to reaffirm my car, and it is absolutely nothing. It is not like a 341 at all. It takes about a minute.

[LSUTiger32]

If you do not have an attorney, i would think you have to attend both. You may want to write a letter to the judge requesting these at the same time, all he can say is no.

I have an attorney but she said she is probably not going to be there. I have no idea what to expect in the morning, so I will just wing it.

I guess I can ask the judge tomorrow about the other hearing.

[kw1025]

If you do not have an attorney, i would think you have to attend both. You may want to write a letter to the judge requesting these at the same time, all he can say is no.

[LSUTiger32]

They filed the re-affirmation agreement on my primary residence. Now they set up another hearing for it. Is there anyway to call the court and have them do both things at one hearing, or do I have to attend both?

The one for my car is on October 28 and the one for my house is November 18.

[LSUTiger32]

Congrats on recovering from Katrina. I got 9 ft of water in St. Bernard Parish, and because I have been unable to find suitable employment in my field of software engineering, I have not been able to buy a replacement home yet (and if I go another 9 months or so, I will run out of ALL cash, and will forced to go Chapter 7.) I guess a 40-something man having multiple master's degrees from institutions such as LSU & Georgia Tech is just not worth anything these days.

I guess with zero income, I should be able to file Chapter 7 with no problem.

I feel your pain man, and believe me there are still days where I feel like we will never really recover especially emotionally.

Good luck finding something, I am surprised you are having so much trouble. There aren't many better places in the country right now than New Orleans economy wise.

[swampwiz]

Congrats on recovering from Katrina. I got 9 ft of water in St. Bernard Parish, and because I have been unable to find suitable employment in my field of software engineering, I have not been able to buy a replacement home yet (and if I go another 9 months or so, I will run out of ALL cash, and will forced to go Chapter 7.) I guess a 40-something man having multiple master's degrees from institutions such as LSU & Georgia Tech is just not worth anything these days.

I guess with zero income, I should be able to file Chapter 7 with no problem.

[LSUTiger32]

OK, got a situation I guess.

When we were at the 341 my lawyer mentioned this might happen and we got a letter Saturday.

We want to keep one of our cars and we are surrendering the other one. The one we want to keep is with Ford Motor Credit and they had sent a re-affirmation agreement to my attorney for us to sign which we did. However, my attorney said something about since we were a presumed hardship that she would not sign it because if she did she would actually become liable. (Serious?) Anyway, it seems as though a local lawyer on behalf of Ford is setting up a hearing for us on 10/28/09 where my lawyer had told me they would do.

This has to do with the fact that we were like $2,300 a month upside down on our budget schedule but that was of course before all the stuff we gave up was gone. We can afford the car, do I have to go to this hearing with a budget or something to show we can?

Ford is offering the same deal and interest rate but they included something showing we owe $5,000 more than the car is worth. Do we have a possibility here to get the judge to cut down the debt since the car is worth more than we owe? The car is actually worth more, the dumb lawyer did a base model 4 cylinder and we have a loaded out 6. Still if there is a way we can save some money here, that's fine with me.

We aren't going to not be able to keep this car, huh?

[LSUTiger32]

I checked my credit reports the other night and about half of my accounts are reporting IIB with zero balances. My scores have gone up about 50 points since I filed. I am going to wait until discharge to dispute the balances and reporting on the other cards. I figure even if my score goes back up to around what it was before this mess (700 or so), the bankruptcy public record is a huge nuclear bomb that hit the report and my score won't matter even if it is somewhat high.

I really don't want any credit except for a house in a couple of years, so whatever my score ends up being after I clean up the balances, won't matter to me for awhile.

Oh I could not agree more. I have no intentions of using credit anytime soon, and if things go the way I have planned I will never use it again. I surely have no intention one of these pathetic rebuilding credit cards. Of course, you never know and there is going to be an oppurtunity for me to do something with my house on lowering the interest rate in two years when I am more likely to be eligible. That assumes of course that the rates are still attractive enough to do it.