Question about books.

[FoolAndHisMoney]

Anyone have any experience with this or any other books on this link?

http://www.shoplrp.com/product/p-30000.CREDCARD.html

http://www.shoplrp.com/banking/cat-Bankruptcy.html

[bkfiler]

no but not much money. try one at a time imo.

i bet you know more already though lol.

its a 1989 pamphlet. kinda old but might not matter. i bet if we look up to see when the cases that all these courts use to rule on a current case are then that it would tell us if that pamphlet is too old or not.

i might be willing to send you half if you make a copy for me. honest.

[FoolAndHisMoney]

no but not much money. try one at a time imo.

i bet you know more already though lol.

its a 1989 pamphlet. kinda old but might not matter. i bet if we look up to see when the cases that all these courts use to rule on a current case are then that it would tell us if that pamphlet is too old or not.

i might be willing to send you half if you make a copy for me. honest.

It's actually 1998, but still probably outdated.

I wouldn't take your money since you need it all to pay back the 24 bucks. Besides you're a week away from discharge and I don't want you to have to amend your schedules to add me as a credditor. Unfortunetly I know what you look like so you can run, but you can't hide. I'll start saving now for the 30 plus shipping.

[bkfiler]

but but then how do i get a copy then!

<------------------------ dont worry about my credit card bill. im gonna steal it from my babys piggy bank when she is playing with her dolls in the back yard!

[JimH]

I found this two part set written for atty's. The one book covers the 10/17 changes for $80.00. The two part set also includes the old law for an additional $70.00 ($150.00 total). This is from the same people that wrote the analysis of the means test that I posted last week.

http://www.consumerlaw.org/publications/manuals/consumer_bankruptcy.shtml

[FoolAndHisMoney]

I found this two part set written for atty's. The one book covers the 10/17 changes for $80.00. The two part set also includes the old law for an additional $70.00 ($150.00 total). This is from the same people that wrote the analysis of the means test that I posted last week.

http://www.consumerlaw.org/publicati...nkruptcy.shtml

Thank you. I won't eat for a week raising the $80, but thats very much! Maybe bkfiler can split the cost with me and I can scan the book to him. LOL

[JimH]

Thank you. I won't eat for a week raising the $80, but thats very much! Maybe bkfiler can split the cost with me and I can scan the book to him. LOL

I'm seriously considering buying both books. My atty costs me $175.00 / hour so it's small change. Especially since most are only getting their feet wet in the new code anyways. I hate to pay someone $175.00 / hour so they can learn the new code on my dime.

[bkfiler]

im not sure. i get the feeling after re-reading everything on that page that its not gonna tell you much. i think you may be might could possibly be not sure but probably is a smart guy. i have a feeling you are already far enough along to cook the ribs instead of paying a chef if you know what i mean.

im thinking its geared more towards attorneys that already know the laws and it wont help explain the ins and outs much at all. the 2005 part is just a guide book. i cant see that really helping out much.

just my gut feel.

[bkfiler]

but its only $80. and anyone but foolandhisemptybankaccount can afford that.

id say flip the coin and see what it tells you.

[JimH]

Well the 2005 code change book they do call a "guide" book. Don't mistake this for a pamphlet though - it's 665 pages. I'm sure it's not a do it yourself book like the Nolo series.

If it's like most code guide books that I have, about 1/2 of the pages are the actual code. The rest is notes and various interpretations of the code.

[FoolAndHisMoney]

I feel I pretty much found as much as I could on the new law by doing the research I've been doing. I'm still wondering about the whole cell phone/caller ID thing, etc. At this point I want to learn the tactics on making my case without blinking just in a case a problem would arise such as a creditor disputing discharge or US Trustee filing a motion to dismiss or convert. I noticed with you bkfiler that your were pretty nervous about a large advance and in recent weeks you seem tougher . I haven't made any cash advances since 2004, but the ones I made were huge. I was just taking advantage of 0 interest, but that did't last very long . I had no intentions of filing when they were made otherwise I would have done so before October. At this point I will do what bk has been saying and visit several lawyers to listen to what they have to say. I'm finished assuming.

[bkfiler]

foolandhiscashadvances, how large? when? and how many payments on that account afterward?

as we have learned together, regardless of what was done anything over 6 months has a greater chance then not of sliding by. anything past 1 year has a very little change of being objected to in most cases. all these odds for not paying them back improve greatly with each payment past 3 that you make each month.

the other factor is the size of the charges. anything under $600 is far less likey to get objected to regardless of the time if its 3 months or more. $1000 probably still wont object. $2000, yes, but after 6 months probably not as likey. $4000 and up then they you have to start using the 6 month rules above imo. as you know if has to be worth their time to go after you instead of going after the next guy that has more money.

and even if there is an objection, first you call their bluff, then you negotiate a settlement at 1/3, then 1/2, of the total being objected to in a lump sum payment. and thats just for the specific charges being objected to. they cant get the entire card balance. and of course you can hold out for payments, half down, 2//3 in full one time payment, as well as no interest.

lastly, if the charges show up as "diamonds", "boat", "cruise", "cash advance" or even maybe "window tinting" when you were supposed to be in dire straits just 6 months ago then they will spot it quick and start applying the rules and determine if its time to call your attorney asking for the money back.

its a game they play so we have to plan our bankruptcy accordingly to fit their rules.

lots of options. you know the rules to the game. i know you will win.

[bkfiler]

btw, all my cash advances were made over 3 years ago and 'very' large. i repeat, very large. i kept making payments for at least 2 years afterwards all while living on the cards and all my savings at the same time.

except for 1 of them. it was on a medium sized advance (which by the way i dont really ever see this size advance posted here by people much at all so that tells you its still larger then most) well over a year ago in which i mistakenly didnt make payments on over 2 months. i got confused about which card it was on and i couldnt afford to make payments on them all. when i figured this out i was pissed off for not paying back the account i really owed.

i didnt realize that what i was doing by putting time and payments inbetween my advances was good - i just knew i was trying to pay it back. i never knew that i was going to file bk. i didnt learn any of this out until after i filed. i got lucky. thanks to the heavanly woman upstairs (yes the one i keep tied-up in the attic) i did the right thing all along. it worked out well for me so far. we will see in the coming days if thats true.

btw, i filed bk becuase of the laws changing. i felt compelled. didnt know what was going to change. didnt want to loose out. commercial after commercial hit me over and over. made me think. maybe i should file bk. that thought turned from idea to goal in 3 weeks. im glad that original idea seems to be working out very well for me now and i owe it all to luck of the draw.

[FoolAndHisMoney]

About 20k. I used it to replace old furniture and pay my old jeep off and traded in the jeep for a new car. Jeep was very upside down. I always blamed myself for that, but I find all these cars seem to become upside down fast unless you put down a large deposit or double payments and who can do that? I did use one other card for a vacation but paid some of that off. This was all pretty much in 2004. The only reason I'm considering filing (besides the annoying collection calls) is my income is less today then 2 years ago due to a job change. Otherwise I would negotiate lower payments with them even though they won't really work with me. I made about 6 months of regular payments and still paid them but very late.

[FoolAndHisMoney]

Bk, were your "very large, very large" cash advances as large as mine?