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Chrysalis
Chrysalis
Senior Member
Last Activity: 03-26-2020, 03:34 PM
Joined: 09-27-2016
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  • Chrysalis
    replied to Preparing for Chapter 7
    Lady, thanks as always for your response! I know everyone is busy. I'll look forward to hearing from you when I can.

    I'm sure you're right on some level about my grandmother. She told me she always wanted to be a nurse, which I never knew before. She offered help if I needed it....
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  • Chrysalis
    replied to Preparing for Chapter 7
    I didn't want to get into any more loans anyway unless we absolutely had to, so I am now thinking a hardship withdrawal from 401k may just be the way to go to pay for fall. That would reduce our tax refund, as well.

    The local attorney did respond again today and clarify that discharge...
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  • Chrysalis
    replied to Preparing for Chapter 7
    Thanks again, leonel. Did not realize that discharge & closing are not at the same time / same thing.

    If we file in July or August, his February bonus will be in the calculation -- and we still qualify.

    I am going to make myself focus on my finals now, and I will...
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  • Chrysalis
    replied to Preparing for Chapter 7
    I emailed financial aid today, and was told that there are fall/spring loans, where half is distributed for the fall, and half for the spring. If I were to get approved for this before we file, I may be okay. What I have to make sure of is that none of this money actually touches our hands/accounts,...
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  • Chrysalis
    replied to Preparing for Chapter 7
    Thanks leonel

    I'll explain further, because I welcome input. And quite honestly I am ignorant about the student loan process.

    We paid cash for this semester I'm finishing this week (spring 2017). Summer, somehow, I miraculously got a financial aid award for the one class...
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  • Lol, yeah, beer. That is always an option!

    You're SO close. Congrats!
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  • Chrysalis
    replied to Preparing for Chapter 7
    Thanks, k. Of course you're right. I hope you will continue to check in with your words of wisdom!

    Right now I am trying to figure out the details of how to pay for my schooling. Thankful for someone's post yesterday about how you cannot get federal student loans with an active bankruptcy...
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  • I understand. We are just at the very beginning (should be getting my first call from a creditor any day now) and I am probably overthinking everything. I do deal with some anxiety in everyday life, but this is different. This is literally the first time in my adult life where I feel like I'm going...
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  • Chrysalis
    replied to Preparing for Chapter 7
    I will definitely mention it to attorney(s) when we start talking again. Just to see what they have to say. Thanks!
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  • Chrysalis
    replied to Preparing for Chapter 7
    Thanks, jb. I was thinking earlier, I've seen that term "loan modification" around here, but I probably didn't pay much attention. We are current on our mortgage, and I always just thought we'd leave it as-is... just not sure whether to reaffirm or not. There are definitely positives and...
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  • Chrysalis
    replied to Preparing for Chapter 7
    One thing I am wondering about today, after reading Lady's refinancing thread, is whether mortgage lenders will try to negotiate better terms to get you to reaffirm? I have been on the fence about whether we should reaffirm or not.

    My sister filed Chapter 7 maybe 7-8 years ago. They...
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  • Thanks for being here & sharing your story. Every single one helps someone out there.

    I am especially thankful for the part about federal student loans. I am supposed to be starting nursing school in August, and not sure what is going to be an "ok" way to pay for it. This...
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  • Chrysalis
    replied to Preparing for Chapter 7
    There was no bonus in 2016, but 3% in 2017. I agree, I'd definitely like to see what the other attorney has to say about that....
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  • Chrysalis
    replied to Preparing for Chapter 7
    leonel, good to hear from you ~ thanks!

    What the heck, yes, I meant tax REFUND ~ can't believe I typed that, even after reading the sticky here! Lol.

    My husband has his exemptions set at "10" which is the highest he can do himself in the computer. He has had...
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  • Chrysalis
    started a topic Preparing for Chapter 7

    Preparing for Chapter 7

    Wow, with the forum down for a day (or two?) I missed it! Coming here and reading has been so helpful. I'm glad to see things back up and running!

    Thanks to all who've been here and helped me figure some things out. I can't tell you how much I appreciate the advice & support....
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  • Chrysalis
    replied to 19 weeks until we can file
    Thanks, jb. So I am finally understanding it correctly. Geez... You know, I think I already knew this when I started researching awhile back -- but with emotions running high, anxiety creeping in.. It just got all mixed up in my head. So thankful for this forum, because as I was reading through...
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  • Chrysalis
    replied to 19 weeks until we can file
    You guys, there are some parts of this process which just make me feel SO dumb. I think I just had a lightbulb moment.

    This whole time -- I've been thinking that the total value of everything we own had to be under the Indiana wildcard exemption amount of $20,500 for the two of us. I...
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  • I just set the water softener to run every other night, instead of every night. We'll see how this goes, and if anyone complains. That means we could buy HALF the amount of water softener salt we normally do.

    I am a big fan of Amazon and we do have a Prime membership. But I don't just...
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  • Chrysalis
    replied to RV reaffirmation agreement
    Personally, I would not sign a reaffirmation agreement for an RV. Do they really want it back? Probably not. I'd say as long as you continue to make payments, they'll let you keep it. But I have no experience with Bank of America, so I don't know anything for sure. I think you just have to decide...
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  • Chrysalis
    replied to 19 weeks until we can file
    I've been thinking about this post ever since you posted it. You are 100% correct. When I do the spreadsheets, I see a big problem.

    But you know what the biggest problem is I see? We spend too much money, because we've always been able to.

    My husband has worked and worked...
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