DMC rises from the ashes. FILING FRIDAY!

[aljohnson007]

Congrats and hope your Orlando 341 goes as well as did.

[AngelinaCatHub]

DMC I feel I'm more at a wake than a hamster dance. I didn't realize you were not already through. You have been here far longer than we. We lost very much due to an enemy, and through the enemy, health. We went into this with our eyes glazed over as a 13 until enemy caused Mrs. a job loss and I my best client, then the big C.

I have learned much from you, and although we lived far below our means, the lawyers ate up what we had. We are now happier than we have ever been without the "things" anchoring us down. I find the simple life is much better, I can afford much more than I could with "things". I can afford to "stop and smell the roses".

A trip of a thousand miles starts with the first step. Continue the trip my Brother, and tell us of what roses you will see. 'Hub and Mrs.

[HakunaMatata]

Congrats DMC! Wishing you a smooth and quick ride to discharge (akin to a Z-3 with a functioning transmission )!

This forum has benefited by your delayed filing. Thank you for your contributions!

[StartingOver08]

Congratulations on taking that final step toward freedom.

Thinking about the BMW, it may be a very good strategy to go in with it so the Trustee can have something to sell. In a case like yours they will be looking for those assets even if they don't exist. May your BK case proceed smoothly and uneventfully from tomorrow until discharge!

[jwmc1]

jwmc1,

we already have two judgments. A debtor's Exam requires that you appear and answer questions. You must bring bank statements, proof of assets, and explain where ALL of your money is at. Account numbers, too. Creditors with judgments then use that information to clean out your accounts to fulfill the judgment.

If you do not show, the judge issues an arrest warrant.

So, it is not a pleasant place to be.

It is done by County Court. If you do not appear, the judge usually issues an arrest warrant. Judges are funny creatures, get angry if you ignore them.

So, we plan to avoid jail. Federal court supercedes county court, and BK is federal. Hope that answers the question.

Gotcha

[DeadManCrawling]

Thank you again.

I will certainly keep the forum informed of our progress.

hope it goes well,

-dmc

[Lajazz947]

DMC, I thought I ( capital I with an exclamation point ) had problems.

I waited a mere 9 months and should have waited another 3 to avoid a potential insider payment claim but wife could not take the stress anymore.

I can only tell you that the rediculously shallow pain that comes with losing material things fades in the long run when you realize the peace of mind that a new start brings.

I too had allot of toys when things were good, the Mercedes and the Porsche, the vacations etc. It was tough to give it up but I will drive my good old 98 Wrangler with no payments for a while until things get better.

I never realized how much that Jeep was going to save me. It was just an extra car that I bought to haul my big old dog around. Now its my daily car.

Good luck to you from a new friend in California with family in Fla.

I am sure that you will keep us posted.

[LimpDisc]

Wow! 3 years is a long time. We only needed to wait 4 months and can't wait for the last 3 weeks to pass. Good luck to you.

[DeadManCrawling]

jwmc1,

we already have two judgments. A debtor's Exam requires that you appear and answer questions. You must bring bank statements, proof of assets, and explain where ALL of your money is at. Account numbers, too. Creditors with judgments then use that information to clean out your accounts to fulfill the judgment.

If you do not show, the judge issues an arrest warrant.

So, it is not a pleasant place to be.

It is done by County Court. If you do not appear, the judge usually issues an arrest warrant. Judges are funny creatures, get angry if you ignore them.

So, we plan to avoid jail. Federal court supercedes county court, and BK is federal. Hope that answers the question.

[jwmc1]

Why would the exam have bought you time in jail???

[marie]

thank you DMC...I will follow your story with interest, as I am in Orlando, and self employed !

[DeadManCrawling]

Thanks again.

Marie, we are in the Middle District, which stretches from Tampa and surroundings to Jax.

Good luck to you, too!

[justbroke]

Hey DeadMan... best wishes on filing!

[marie]

hope all goes well for you, sounds like you have had a long and gruelling journey.

if you don't mind saying, which area of Florida are you in ?

[Blueboy]

Congrats DMC, hoope all goes well for you. Are you going to handle the case for the attorney?