health is sinking fast

[crashzx]

If that's true, then you don't "own" the musical instruments. As far as the bike goes, hopefully it's still exempt because the TT can still go after the $$ as money was sold/transferred a year prior to filing

Thats why I will be taking the paperwork from the dealer to the attorney for approval before any money exchanges hands. I was told it was 2 years in TN.
If any question the bike will stay put. No worries!!!!!!!!

[killinstinct]

If that's true, then you don't "own" the musical instruments. As far as the bike goes, hopefully it's still exempt because the TT can still go after the $$ as money was sold/transferred a year prior to filing

[crashzx]

Not cheating...The piano is owned by my father and the guitar is owned by my wifes uncle. The bike is sold now and I will get the paperwork from dealer in GA this week for the needed repairs. Everything else is done and they are more then welcome to come in assess and take what they like. Like I said game on. i feel good today!!!!!!!!!

[OhioFiler]

Well i believe that all the dirty laundry is out on the table now so we can start the rebuilding process. I dont like financial suprises. We just need to get through this next few days and we will recieve 3 checks this week and be able to get all utilities and mortgage current. We will get to the lawyer at the end of next week and file the week after. Been working on the asset list this morning and I think it is in line with what they want. I did cheat a little but I am prepared for them to call my bluff. The only thing that I cheated on was the bike and my daughters musical instruments. The bike and the instruments can be exactly like my asset page in 6 hours. I have covered all angles. Game on.....

Another word for cheating in the bankruptcy process is fraud. I don't recommend cheating.

[killinstinct]

Been working on the asset list this morning and I think it is in line with what they want. I did cheat a little but I am prepared for them to call my bluff. The only thing that I cheated on was the bike and my daughters musical instruments.

I would be careful with this. Talk to your lawyer about exemptions. Research your state and possible federal exemption options. I seriously doubt a trustee is going to go after your daughter's musical instruments even if they aren't exempt. It's probably not worth their time and effort.

Worse, you put your whole BK at risk if they somehow get the impression you are being deceptive. It will at least earn you more scrutiny and hassle. You're probably not in any danger of losing anything anyway. Most people aren't.

[crashzx]

You will be so much happier once your file

Amen!!!!!!!!!!!!!!!! All I want is the house.

[2manybills]

You will be so much happier once your file

[crashzx]

Well i believe that all the dirty laundry is out on the table now so we can start the rebuilding process. I dont like financial suprises. We just need to get through this next few days and we will recieve 3 checks this week and be able to get all utilities and mortgage current. We will get to the lawyer at the end of next week and file the week after. Been working on the asset list this morning and I think it is in line with what they want. I did cheat a little but I am prepared for them to call my bluff. The only thing that I cheated on was the bike and my daughters musical instruments. The bike and the instruments can be exactly like my asset page in 6 hours. I have covered all angles. Game on.....

[killinstinct]

Good...sounds like you came to terms with your situation and got through what is likely the worst part. Keep your marriage and family together at ALL costs. Nothing else matters.

[2manybills]

Coming from the person who paid the bills - I can tell you that all of this brought my DH and I closer together. We both had to take our share of responsibility in this. I was not telling him how bad things were trying to protect him from getting more freaked out about the bills and he was burying his head in the sand so he didn't have to deal with it all. Truth is, I didn't tell myself how bad it was. When I finally added them all up, I was stunned beyond words!

The point I am trying to make to you here, is allow this to be a time for coming clean with each other, and making a pack to work this out together and let the chips fall where they may. Support each other. It's just stuff and should you have to give any of it up, you will regain it back again without the debt hanging over your head.

[relief13035]

It will get better. This is just a hiccup in the road of life. Most of us felt extreme stress during the BK process, but it does pass and then you will be on the road to your fresh start. Hang in there!

[crashzx]

I am still here. Well physically anyway. I think this whole deal is turning me into a freakin nutball. I am still quite numb from everything that happened last night. I said some things that I am not to proud of and regret. I was even questioning my faith, my marrige, everything, which I know better. I feel like I am going down in flames. I really dont care if I loose the house or motorbike. I have come to terms with those. Everything else whatever. I just think she should have paid the important things first, screw the cc's. If we were in trouble she should have come to me and told me how serious it was. I thought we were just in trouble with the credit accts not the damn utilities too. I had some time before she got home and went through some stuff, found everything and blew! Course I was not happy anyway about the water being shut off to start. I guess she had so many auto paymentd being taken out that we could not pay anything important. When I found out about the motgage being a couple months behind last month I went off and insisted we pay it. Well she did but nothing else.

On a better note I will be taking the finances back with a new acct in my name only. I have intensly prayed and begged for forgivness to God. I will be contacting sombody at church to counsel me/us if she is willing, or look into a small group. Her mother paid the water today., brought us a little food. I sent the kids off to freinds house for the night, which will probably end up for the weekend. I am going to read me "rider" magazine tonight and try and relax. I have developed a tooth ache and a headache and need to bring my bld press down.

I just have to tell myself "I will get through this"....with everybodies help of course. I love life to much to take it away. I love you all for your advise and support. I need to rest....

[2manybills]

crashzx: We were able to wildcard both of my husband's motorcycles and all of his tools. He is a motorcycle mechanic and we have a little machine shop in the garage.

Everyone feels like you do at some point, but you are being very brave by admitting what you've done wrong. Don't beat yourself up! You are owning your mistakes, learning (hopefully) and doing whatever you have to do to make your life better. In the end, you will find out what a relief it will be to live without that monkey on your back!

Believe me, when we're dead and gone our headstones would not say . . "Here lies ?. Citibank is grateful she made all of her payments and died from a stroke trying to pay us!"

Take the energy your expending on beating yourself up and use to create a new life plan.

[OhioFiler]

Well....had a bad night last night. Found out my wife is hocked to the hilt in payday loans, all utilities are 2 months past due, water got turned off yesterday, tv is next and after that the land line. Cell phone are allready off. We have no groceries. I feal so betrayed trusting her with all the finances. I am so numb this morning to just about everything except fealing like such a failure as a father and husband, but I am trying not to crack. I am having more and more thoughts of suicide, neglect and btrayal and I am just so drained. God help us please!!!!

Suicide is NOT the solution. You need to talk with a mental health professional immediately. You are not a failure. Suicide is failing. Overcoming these obstacles will make you a winner.

You should sell the bike now and use the proceeds for current living expenses. List it on craigslist and sell it this weekend so you can buy food and pay your bills. It doesn't make any sense to let the bike go in the bankruptcy. Sell it now. Get as much as you can but still get rid of it this weekend.

[killinstinct]

EVERY DEBT YOU OWE is included in BK. You will owe nothing except taxes, criminal restitution/fines, student loans and secured loans (house/car). Payday loans, medical bills, utility bills, CC's all go bye bye....

Get back to us crash! It will be OK, there's hope for your situation!!