I thought I'd share my personal experience to let people know that bankruptcy does affect your life. I know this site is for information and encouragement, but sometimes I feel like the attitude here is misleading in that it makes some people think life during and after bankruptcy is smooth sailing.
I filed in Oct, what I thought was a very simple no asset case. I own no property and I don't even own a car. The trustee on my case filed a motion to extend on everyone until Aug06, for taxes. From what I'm reading it seems like that was kind of unneccesary and he could have let the case discharge but held off closing until he got his hands on my return (which is $11 btw).
Well, right now my lease is up on my very expensive apt so I thought I'd try to move to a different apt, start saving money or at least make smarter money choices post bankruptcy. I cannot find an apt that will let me apply. It's humiliating and very discouraging. I will admit I even omitted my bankruptcy on one application just hoping it wouldn't show, but I was dinged on that. I could stay at my current apt but it's about $300 over what I should be spending on housing. I'm so stressed and frustrated. I spent one hour dialing every apt complex in town and being upfront and asking about my qualifications and getting some varied responses. Some were sympathetic but some were very haughty and rude when I told them I had filed. I found one place that might consider me but honestly it's a dump. It's shabby and very outdated and not exactly in the best neighborhood, but I kind of feel like that's what I deserve for not being financially wise to the point I had to declare bankruptcy.
anyways. wish me luck because if this apt doesn't accept me I don't know where I'll be living in the next months.
oh, also there is a question in this post too. Does anyone know if your bankruptcy is not discharged and your expenses change significantly, can the Trustee file to dismiss? I'm talking a few hundred less for housing, which I was hoping to start a savings account with since I never had a rainy day fund for the inevitable expensive medical or emergency issues that arise, not to mention no such luxury of starting a retirement savings.
I filed in Oct, what I thought was a very simple no asset case. I own no property and I don't even own a car. The trustee on my case filed a motion to extend on everyone until Aug06, for taxes. From what I'm reading it seems like that was kind of unneccesary and he could have let the case discharge but held off closing until he got his hands on my return (which is $11 btw).
Well, right now my lease is up on my very expensive apt so I thought I'd try to move to a different apt, start saving money or at least make smarter money choices post bankruptcy. I cannot find an apt that will let me apply. It's humiliating and very discouraging. I will admit I even omitted my bankruptcy on one application just hoping it wouldn't show, but I was dinged on that. I could stay at my current apt but it's about $300 over what I should be spending on housing. I'm so stressed and frustrated. I spent one hour dialing every apt complex in town and being upfront and asking about my qualifications and getting some varied responses. Some were sympathetic but some were very haughty and rude when I told them I had filed. I found one place that might consider me but honestly it's a dump. It's shabby and very outdated and not exactly in the best neighborhood, but I kind of feel like that's what I deserve for not being financially wise to the point I had to declare bankruptcy.
anyways. wish me luck because if this apt doesn't accept me I don't know where I'll be living in the next months.
oh, also there is a question in this post too. Does anyone know if your bankruptcy is not discharged and your expenses change significantly, can the Trustee file to dismiss? I'm talking a few hundred less for housing, which I was hoping to start a savings account with since I never had a rainy day fund for the inevitable expensive medical or emergency issues that arise, not to mention no such luxury of starting a retirement savings.
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