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Barbisi
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Last Activity: Yesterday, 12:02 PM
Joined: 03-01-2017
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  • Thank you NOMoney30 and PatG for your replies!
    I think we'll just have to stick it out will Allstate PatG until we finish up this Bk and finally are free to get out of here for good.The problem with Allstate is they gave us a good rate for the first year then raised it considerably these last...
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  • Well, justbroke since we can't travel anywhere out of state until 2022 , we'll just have to wait until then to figure out if some where better exists. I know having lived in a dozen states in my entire life time, that Colorado is not the whole world , despite what these mountain lovers think!
    ...
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  • Barbisi
    replied to Still not confirmed!! Arghhhh!!!
    kmccoleman, so sorry about your brother-in-law! Yet another tragedy to deal with! And cancer is so scary! I hope you are finally healthy again. And your husband too!
    We had to pay for Mama's cremation ($1100 ) with CCs, so I get your struggles paying for your dad's funeral.
    I'm wondering...
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  • Barbisi
    replied to Still not confirmed!! Arghhhh!!!
    First of all, please accept my condolences on the loss of your father - I lost my mother to a very quick case of lung cancer (She was put in hospice one week , and died the next) approx. 8 months before we had to file. For me this BK13 and her death will always be intertwined as a brutal one-two punch!...
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  • I'm glad you like where you are living -that is very important as you know. Hating where you have to live is a toxic time bomb which erodes your health and doesn't add years to your life.
    I have visited Florida and lived for almost 3 years in Virginia Beach, Virginia and I do not like that beach...
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  • Barbisi
    started a topic More Bad News On the Medical Front

    More Bad News On the Medical Front

    My right cervical shoulder is re -injured and inflamed again.I just got a shot in July and the subacromial bursitis symptoms are already returning, although not yet as bad.My chiropractor strongly advised me to get "real" PT this time with "real equipment and machines" instead of...
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  • Hi, just broke, the home insurance deductible is already a $1000 deductible ,but they are increasing the yearly rate by $700+ anyway because of frequent hail damage to rooftops around here which increase our mortgage payment by $100 a month(nearly $2400 a month!)I don't understand your answer??? -we...
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    Last edited by Barbisi; 09-09-2019, 04:56 PM.

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  • NEW Home Insurance Increase Will Raise Monthly Mortgage Payment

    Our home insurance is scheduled to increase by another $700+ later this month. Our escrow shortage will increase , thereby raising our monthly mortgage payment further, we estimate, along with another increase because of a property tax error that hasn't been added to our monthly payment yet , by next...
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  • Barbisi
    replied to Visualizing the end really helps!
    Thank you all!
    So many variables exist and can derail our chances of starting over at our age some where else! We know many older people with serious health issues who are stuck here until they die, either because they have no funds to leave, are physically unable to move away or are somehow tethered...
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    Last edited by Barbisi; 09-09-2019, 01:15 PM.

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  • Barbisi
    replied to Visualizing the end really helps!
    Trevor, I think it's easy to have a positive attitude when you have minimal medical issues and you are happy where you are living and like your job! But it's fortunate that you are enjoying your BK13 budget and location.
    Carmella, I hope you can continue that second job until at least your...
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  • Well, my 2005 car now has nearly 200k miles , and is still going strong . I no longer have working speakers (I think the cd and radio would work if I could have new ones installed , but the cost of repair is probably prohibitively expensive, so I can carry a boom box or small radio along, so I can...
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  • Barbisi
    replied to Discharged!
    Huge congrats, justbroke on finally landing that elusive discharge!
    If someone so knowledgeable , so financially capable can end up in a second BK13, then it can definitely happen to any of us still struggling to make it to the finish line! Like you say, Life Happens (every day,haha!)
    If...
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  • eich74 one thing you have going for you is your mortgage is only $1200 a month -ours is $2200+ a month plus a $80 monthly solar panel lease -that's almost $2400 a month until at least 2022 and may be well beyond (I don't think a re-fi is a good idea since we are planning to move out of state as soon...
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  • Before any one takes offense : I didn't mean that your home was a dreadful investor home only that it needed renovations that caused financial problems. And the cycle of poverty means having to refile BK again and not being able to enjoy your life.
    . BK in Colorado seems really rare : nobody from...
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  • Wow, my husband and I live in Colorado, are currently in an active BK13 because we stupidly bought a dreadful investor home in 2014 we couldn't afford to fix up with out CCs (100K). Other than that, our scenarios are quite different- no children, first time filers (2017), my husband didn't do the home...
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    Last edited by Barbisi; 08-27-2019, 09:07 AM.

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