Discharged & Closed
Hello Everyone:
It was just a few months ago that I joined this forum and contemplated one of the hardest choices of my life thus far. I took a huge leap and control over my life by deciding to file pro-se and it paid off even when people advised against doing it alone. I kept hope alive and want to thank all of you who offered advice to me along the way.
Now I am ready to rebuild my shattered financial life, learn from some of my errors and not repeat some of the things that placed me in this predicament. I am not 100% to blame for my misfortune, after all know one asks to be unemployed or other situations to occur. However, I am partially at fault for not thinking more wisely. After many months on living on a "cash only" or "debit card" basis, I have been able to truly evaluate wants or needs and try to explain this to my teenage kids.
This should be a happy time for me, but I describe it as bittersweet. Only a selected few know of my Bk. I haven't even told my mother in law because she always brags about credit, etc. My mom and SO knows although he is very "indifferent" to my situation, he's only concerned when something affects him. As we know BK is not an easy subject to deal with and it will have lingering effects for most of us. Now that I am discharged, what weighs heavily on my mind is will I still be able to keep my car. Yes, I signed my reaffirmation agreement and now that I am discharged I am on the hook to pay if off or face a repo. My clear intention is to pay the $2K left, but I was given a devastating blow when my vacation pay for July & August is significantly less than my regular school pay for Sept-June.The messed up part is that no one told me this in advance. Now I will have to "beg" the bank to let me either pay less for the summer or extend the two payments onto the end of my loan. I am hoping that they will be reasonable and understand my good payment history and see what little of a balance is left will work in my favor.
Just when I saw light at the end of the tunnel, here comes another black cloud of doom. Kind of like the last 18 months of my life. But when its all said and done people in my life that didn't want to help and said "your problem" (i.e. SO) will be the first to blame me if the repo man comes.
Thanks for reading
sbb
It was just a few months ago that I joined this forum and contemplated one of the hardest choices of my life thus far. I took a huge leap and control over my life by deciding to file pro-se and it paid off even when people advised against doing it alone. I kept hope alive and want to thank all of you who offered advice to me along the way.
Now I am ready to rebuild my shattered financial life, learn from some of my errors and not repeat some of the things that placed me in this predicament. I am not 100% to blame for my misfortune, after all know one asks to be unemployed or other situations to occur. However, I am partially at fault for not thinking more wisely. After many months on living on a "cash only" or "debit card" basis, I have been able to truly evaluate wants or needs and try to explain this to my teenage kids.
This should be a happy time for me, but I describe it as bittersweet. Only a selected few know of my Bk. I haven't even told my mother in law because she always brags about credit, etc. My mom and SO knows although he is very "indifferent" to my situation, he's only concerned when something affects him. As we know BK is not an easy subject to deal with and it will have lingering effects for most of us. Now that I am discharged, what weighs heavily on my mind is will I still be able to keep my car. Yes, I signed my reaffirmation agreement and now that I am discharged I am on the hook to pay if off or face a repo. My clear intention is to pay the $2K left, but I was given a devastating blow when my vacation pay for July & August is significantly less than my regular school pay for Sept-June.The messed up part is that no one told me this in advance. Now I will have to "beg" the bank to let me either pay less for the summer or extend the two payments onto the end of my loan. I am hoping that they will be reasonable and understand my good payment history and see what little of a balance is left will work in my favor.
Just when I saw light at the end of the tunnel, here comes another black cloud of doom. Kind of like the last 18 months of my life. But when its all said and done people in my life that didn't want to help and said "your problem" (i.e. SO) will be the first to blame me if the repo man comes.
Thanks for reading
sbb
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