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Barbisi
Senior Member
Last Activity: Today, 02:34 PM
Joined: 03-01-2017
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  • I agree with you Carmella -IMHO BK13 is not consumer friendly and seems to be less so since the "great 2005 reform".
    Of course we never filed prior to 2017, but were in a CCCS DMP from 1999 to 2004, which was not at the time punitive -we were able to keep a few CCs open and active, we...
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    Last edited by Barbisi; Today, 08:15 AM.

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  • Hey Carmella,
    I'm glad you didn't take offense that I compared that investor house to yours - even with all that's wrong with it ,you guys must have amassed many pleasant and happy memories of 24 years of living there. And you never lost a love one in the house.
    I think of my mother's death...
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  • Thank you shipo!
    We will check it out, but with out a reliable mechanic to install it, it's probably a moot point!
    My husband told me just today that these Nissan transmissions seem to be legendary for not lasting the normal life span of a car.
    This 2013 model has only 129,000 and...
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    Last edited by Barbisi; 03-02-2021, 11:50 PM.

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  • I quickly looked at local cars selling online for $3000 or less just for some comparison, and all seemed to be around the age of my 2005 Sentra or older. That means they would be clunkers,probably would not even survive the BK13 due to additional breakdowns. Neither my husband or I are skilled with...
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    Last edited by Barbisi; 03-02-2021, 05:05 PM.

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  • Thanks shipo,
    I called a vocational school in Denver and apparently such services like so much else here do not exist. They told me that they don't do that any more and their students didn't know the basics of fixing the engines and the liability was too high or something like that! They only...
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    Last edited by Barbisi; 03-02-2021, 02:07 PM.

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  • Thanks,bcohen!
    I agree and since it is currently running, we are going to wait until summer or fall (at the earliest) to replace, not fix. It is a 1991 Lennox Pulse unit. Very over- hyped and - priced!
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  • Carmella, your current home sounds like (or should I say reminds me of) the the crummy house that forced us into BK13 in the first place - by that I mean we had so many things wrong all at once from the very beginning that we never had a chance to avoid ending up bankrupt! Virtually nothing was up to...
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    Last edited by Barbisi; 03-02-2021, 09:59 AM.

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  • Thanks, Carmella!
    I know you share many of our frustrations since our BK13 situations are similar in some ways.
    We are certainly not part of the group of BK13 debtors who actually can gush about the wonderful lessons and the generous BK allowances -we know the real score and the toll a five...
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  • Hi Carmella!

    We appreciate you sharing your experience with us -we understand and empathize with you completely.
    We had 3 different tech/salesmen here yesterday for a total of 4-5 hours. It was exhausting to say the least!
    We are grateful to have a furnace that is working- for...
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  • Thanks flashoflight for the info! We will definitely try to avoid using the 401k loan, unless we have no choice. Our plan is to sell the house if possible next year, so if we must install a new furnace to pass inspection, it will be the cheapest -no more fancy upgrades for the next buyers - BK13 taught...
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  • Well, of course our experience was very different. I think we had to produce all our bank statements for the previous year, and we even had to explain the one big check for a few thousand dollars of 2016, which was the mortgage down payment! And we also had to explain that 60k of our sale price proceeds...
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    Last edited by Barbisi; 02-26-2021, 09:10 AM.

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  • Thank you flashoflight for your perspective!
    A question for you: where you in BK13 when you replaced your furnace and if so , how did you pay for it?
    Another poster on a different thread said Lennox should last more than 30 years.
    We think getting a couple of other estimates would...
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  • Barbisi
    started a topic Question Got Repair Estimate - Repair or Replace?

    Got Repair Estimate - Repair or Replace?

    Well, the repair estimate just to get the furnace up and running until the Spring arrives with warmer weather is around $1300.
    The tech warned however with such an old furnace many more pieces may break down (incl. a back part of the case that would emit Carbon monoxide and cause poisoning) necessitating...
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    Last edited by Barbisi; 02-25-2021, 11:59 AM.

  • Mark80,
    Your situation is clearly where we are heading with our 46 year old house.
    While we don't currently have foundation issues, we are facing some major system issues (like a nearly broken furnace) and want nothing but to sell as soon as our first (and hopefully last) BK13 is successfully...
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    Last edited by Barbisi; 02-25-2021, 09:44 AM.

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  • Barbisi
    replied to Use 401K funds to replace a furnace?
    Update : A tech for Lennox is coming out at 11am today.There is a $99 charge, but that is far cheaper than 4K or more to replace it.
    Not sure if they can fix it, but in a few more weeks (if we can hold out) we might have enough to pay cash for the cheapest model.
    Not what we want, but that...
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    Last edited by Barbisi; 02-25-2021, 08:48 AM.

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  • Barbisi
    replied to Use 401K funds to replace a furnace?
    Thank you, jb for seeing the near dire situation we're in and sending warm wishes our way -we really do appreciate the kind sentiments. And yes I've grown to hate the house along with nearly everything in Colorado (the mountains, the snow,the sun and heat, marijuana, craft breweries, dog parks (but...
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    Last edited by Barbisi; 02-24-2021, 11:08 PM.

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  • Barbisi
    started a topic Clapping For Colorado -Furnace on the Brink Again

    Clapping For Colorado -Furnace on the Brink Again

    My new byline for bad luck is Clapping For Colorado (instead of Murphy strikes Again!)
    It appears that the furnace may have died for real this time.
    Another "divine" Colorado winter storm is coming tonight with a nippy low of 16 degrees and the whole day the aging furnace has...
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  • Barbisi
    replied to One year done, 4 years to go
    Congratulations on making it through a difficult and challenging adjustment - your first year of BK13, JellyBeany!
    I can only hope our final year is as smooth and stress-free as your first 12 months were ! LOL
    May Murphy and all bad tidings avoid you until 2025 and beyond -best of luck!...
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  • I'm so sorry that your health and financial situation is only worsening in this BK13, Scottowl. You deserve better than this miserable existence.
    This is exactly what I foresee happening to us (or me, as the survivor if my husband dies first) if we stay here much beyond our first Bk13 discharge...
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  • Oh, that's right I forgot about the 50 degrees in a day drop,jb LOL! ...
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