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ByeByeCCs
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Last Activity: 04-02-2012, 09:25 PM
Joined: 05-27-2010
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  • ByeByeCCs
    replied to Bankruptcy E-Mails
    Thanks for the replies, I will dig a little deeper to figure out how this happened. Thanks again.
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  • ByeByeCCs
    started a topic Bankruptcy E-Mails

    Bankruptcy E-Mails

    Anyone else experiencing a sudden surge in bankruptcy e-mails for seminars and attorneys? I am trying to figure out where I visited to start this. The only BK site that I can remember visiting and giving my e-mail address.
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  • ByeByeCCs
    replied to Pre-paid Moneycard from Walmart
    Going Down I can't tell you anything from personal experience on Delaware, only what I have learned. I had connections to NY so I opened an account there. Under NY EIPA each account is protected up to 1760 and if you have exempt funds direct deposited into the account it is protected up to 2500. ...
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  • I am retired and my former employer has had two incidents of losing laptops containing retiree info. Each time it happens they give you a year of credit monitoring. I think Chase is saying in a round about way--we lost some documents (or maybe even a laptop with info on it) so we are going to give...
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  • ByeByeCCs
    replied to Pre-paid Moneycard from Walmart
    Have you looked into the Delaware option? Banks in Delaware do not allow bank account garnishment (except for government debt), thus one can have a checking account even with a judgment. One suggestion I saw on another forum was Applied Bank. I have looked at their site and it seems you can apply...
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  • My guess would be that back in 2006 you put SSI down on some sort of credit application and that is how it it was reported. Why would you be humiliated about receiving SSDI? Actually having that on your report is not that bad--it tells creditors that suing you would be a waste of time since your income...
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  • You really don't appreciate unions until you live in a right to work state. I think folks who live in areas where unions are strong take them for granted. But when you see the salaries companies offer in right to work states it is disgraceful. But unions have been demonized so much (and often with...
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    Last edited by ByeByeCCs; 08-17-2011, 10:48 PM.

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  • ByeByeCCs
    replied to consult with an attorney
    LOL, I guess "acceptable fraud" was not best term to come up with to get the point i was trying to make.
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  • ByeByeCCs
    replied to consult with an attorney
    Keepmine, keeping in mind that I agree that the wisest course to take is not to take on additional credit, i still think the example i am giving is an example of acceptable fraud. If a debtor has an operational vehicle, but wants to make sure they have a more reliable car for the length of a 13 they...
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  • ByeByeCCs
    replied to consult with an attorney
    Keepmine I totally agree with not using credit after deciding to file, but lets face it many seem to do it as the issue is raised here on the boards quite regularly. Not too many folks come back saying I was asked at an AP when I first consulted with an attorney.(this is just based on what I read...
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  • ByeByeCCs
    replied to No Activity
    When I first went in for a BK consultation the median numbers were just like yours Tobee (58000 but the attorney had a little note that 61000 could get you into a 7.) However, I had just finished a temp gig up north so my income was way too high. Then the new medians came out and I knew i was toast...
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  • ByeByeCCs
    replied to consult with an attorney
    First, let me say that you had a consult with an attorney (technically there is no such thing as a bankruptcy attorney) and no one will ever know why you spoke to attorney unless you tell them. Everything you spoke about in that consultation is protected by the attorney client privilege. I am sure,...
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    Last edited by ByeByeCCs; 08-12-2011, 08:47 PM.

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  • ByeByeCCs
    replied to No Activity
    I haven't filed yet and it may be a while until I do. Problem is I have been collecting unemployment (soon to end) and a pension so the income has been too high. Since the pension and unemployment are exempt there has been no rush to file. I have two judgments already and the creditors are coming...
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  • ByeByeCCs
    started a topic No Activity

    No Activity

    Some may remember that Chase dismissed many credit card cases they had in several states back in June. Some speculated that Chase had paperwork problems. Well my state was one of the states affected but their was no dismissal of my case. However, they have not done anything with the case for nearly...
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  • Why does she need to file at all? If the wife will be the only one filing and all she will be receiving in NY is a pension and SS, that is exempt.
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  • ByeByeCCs
    replied to Advice on Citation from Chase
    LOL, I almost wish she was not declaring bankruptcy just so she could screw with these guys a while, make them really work the case, and then on the eve of judgment (if they can even get one) file.
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  • JackBondLove-in order for a creditor with a judgment to go after your bank account in another state they would have to domesticate the judgment in your residential state in the state where the bank is located. Once domesticated, it is the rules where the bank is located whose garnishment laws appl...
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  • Jetsfan, on a hunch, based on your screen name I am going to presume you have ties to NY. NY passed EIPA two years ago and if your account falls below 1,716 it cannot be garnished. If you have exempt income deposited, (pension, SS, unemployment etc) then they cannot garnish if you have less than...
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  • jetsfan it means Delaware account, you cannot garnish a Delaware bank account.
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  • ByeByeCCs
    replied to Does Chapter 13 make sense for me?
    Personally I think filing a 13 at this time would be a mistake. From what I have read, you are still making all your payments (1st & 2nd). While it was nice of the bank servicing the 1st to modify I see no incentive for the 2nd to work with you. They are getting their money, why help you if you...
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