Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

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Our Journey Into Uncharted Territory--An Asset Chapter 7

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  • Our Journey Into Uncharted Territory--An Asset Chapter 7

    Greetings Everyone:

    Ten years ago today, at about this very time, we signed our emergency Chapter 7 Bankruptcy paperwork and had it filed. It was an emergency bare-bone filing because our attorney was incompetent and was infamous for waiting until the last minute, and ten years ago, December 28, the last business day of the year. If we had waited until the first of the year, a yearly Retirement stipend would have kicked in, meaning we would have to wait until after July, AGAIN, so that this lump sum would fall off the six month look back period.

    This we could not afford to do. We had already staved off a couple of lawsuits from creditors, and more were pending, so we were NOT going to leave the attorney's office until she 'pulled the trigger'.

    From there we embarked on a truly daunting, frighting, and in the end--enlightening journey. Our attorney was very good in some things--most, she was not. Her idea of educating us in the process of bankruptcy was to hand us a brochure and tell us to read it. It was very generic, We had a rather complicated case. We had no knowledge of this forum, and made ALL of our errors--with the attorney's help--well before we found it. Since finding it, both my husband, AngelinaCatHub, and I started learning and (hopefully) started helping others by sharing our mistakes.

    The reason I bring this up, is that today is the 10th Anniversary of our filing, so the reports of our filing should drop off our credit reports early in 2018. I will let you know.

    We have not gone out of our way to rebuild our credit. We both are of retirement age. 'Hub is retired; I am partially so. We have taken out a couple of small loans and repaid them back reliably. We are currently working on another small loan, and have a credit line with PayPal Credit. We are still hovering around the 650 mark more or less in all three credit scorers; The biggest ding on our credit besides the BK, was a few years ago, when we were investigating the purchase of a truck. The big Three Auto Dealers in our town are owned by the same family, and even though we told all three of these creatures that if we purchase anything, it would be through our CU, all three did a HARD PULL anyway. This hurt our credit rating with the CU when we purchased from an independent dealer.

    We do our best to pay cash for everything. It can be hard, and we don't go out to eat as much as we used to. But we're doing okay. Our house is paid for and we are comfortable. For that we're grateful.

    Anyway, the point of this long-winded post, is that for those of you just starting out, and those struggling through, there IS LIFE AFTER BK!!! Hang In there. You will make it. Go back into this forum's history and look up some of our old posts.
    Last edited by AngelinaCat; 12-28-2017, 05:34 PM. Reason: Added a paragraph.
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."

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