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bcohen
Registered User
Last Activity: Today, 09:13 AM
Joined: 06-12-2010
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  • bcohen
    replied to Luxury Goods
    A small TV for $88 is hardly a "luxury item" and the moment you opened the box and plugged it in, it's worth a lot less than $88. Look on Craigslist, and you will see "gently used" small LCD TVs for anywhere from $20 to $50 depending on brand and size.
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  • bcohen
    replied to chapter 7 scared to loose all posessions
    There's no reason to feel bad about any of this. Bankruptcy is a financial decision, plain and simple. It is not a sign of irresponsibility or poor morals. Bad things happen to good people. Your creditors are faceless corporations, and their business model takes into account the fact that a certain...
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  • bcohen
    replied to Converting to Ch 7
    I would like to learn more about this "slipping through the cracks" in this context. I would have assumed, by reading the statute, that the denial of discharge would be automatic based upon the filing date of the Chapter 13. Hence the advice to dismiss the 13 and file a new 7 when eligible....
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  • bcohen
    replied to What is acceptable to buy??
    Within reason. If you are buying inexpensive gifts--such as $50 per person, then the trustee won't care. If you're buying your husband a $1000 watch, or your kid a $500 laptop, obviously that's going to be a problem.
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  • bcohen
    replied to chapter 7 scared to loose all posessions
    This is the salient point--you are not making money selling online. I found this out years ago, that selling on Ebay and other similar websites is a money-loser unless you are reselling stuff that you got for free, and can get enough to cover the shipping and fees. If you are actually paying for your...
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  • bcohen
    replied to What is acceptable to buy??
    Of course, you can stock up on food, medicine, fuel, soap/detergent, paper towels/toilet paper, and any similar items. You can even (within reason) go shopping for clothing, shoes, towels, blankets, etc. What you cannot do is purchase "luxury goods" such as jewelry, expensive electronics,...
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  • It sounds to me like your basic problem is that your household income is too low to cover the cost of living where you're at, and Chapter 7 bankruptcy is not going to help with that. Since your husband works a "cash under the table" type job, I'm really struggling to see what possible benefit...
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  • If the judgment for possession has already been granted, and your are only waiting for the sheriff to come drag you and your stuff out, I'd say it's a lost cause at this point. Bankruptcy can, of course, still discharge the monetary portion of the judgment, so you won't have that hanging over your...
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  • bcohen
    replied to How To Fix My eBay Account
    I don't believe that is true. The debt is owed by you, a person--not by your "seller account" or email address. Starting a new account with a new email address does not magically make the debt disappear. Normally, when someone tries to do that, the new account is flagged and suspended....
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  • bcohen
    replied to How To Fix My eBay Account
    What chapter of bankruptcy did you file, and when? If the answer is that you filed Chapter 7, and you have not yet been discharged, be aware that your creditors are under no obligation to "zero out" balances, or to stop reporting default to the credit bureaus at this time. Once the debt...
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