My husband is able to pay on line ,but like yours it says voluntary. (There is something about a $50 late payment every month which we don't understand.It wouldn't surprise me if the mortgage company later claims we owe them $$$ in late fees!)...

For me the good life is about being able to travel out of state even frugally , living some where I actually like, feeling better and spending much less on medical bills (regular weekly Chiro,medical messages for swollen tendons,etc.) and of course using my language, VO, singing,acting and writing skills...

We will do what we can to improve our score enough to qualify for better rates than we are led to believe we "deserve". I think many of us have been beat down and made to feel like we will have to pay exorbinant prices just because we had to file BK13. If others on these forums don't have...

I think I have heard of that hospital before- doesn't it specialize in cancer research?I've heard of the Orchestras.
I have nothing against Ohio -I just haven't traveled there in memory (when I was a small child I crisscrossed over the entire US with my parents , we may have driven through Ohio.)...

I think it depends on your definition of cultural/art type things. People here are very isolated (Because of the mountains and altitude.) It is 6 hours to the next major city (out of state.) Also,as I heard some once say," Denver is a cow town" (which means it's very provincial.) People didn't...

I hope all of us will one day be able to post (if we choose) about fun trip or day excursions and not need to worry about our health, cars or just making our bk payments, carmella13!
I know only certain people are meant to live " the good life", but it's nice to dream isn't it? LOL!...

Sorry Switch625 if my comment sounded at all sarcastic or rude, I certainly meant no harm. (Some one informed me privately of the fact that in their opinion this reply was inappropriate.) So if you were at all offended , I humbly apologize!
(I will just have to check my CR at the end of my BK13...

Thank you for your observation - I didn't mean to attack , I was just curious if others are getting the same offers I am, including the same APRs.
-I will post an apology to Switch (if he was unfortunately offended. ) and in future not ask such questions.

I don't intend to use CCs at all for regular purchases in the future,carmella13. But we do want to avoid a 15-20% car loan and I doubt we'll be able to wait until 2024 (when the BK info should fall off our CR). Our current car loan is just 1.99% (that gives you an idea of what our score was in 2014...

Hi Barbsi..just writing a private note to make a comment. Do you read what you write before you post it? Your response to Switch about the Ollo credit card sounds a little sarcastic and rude. You don't know what his situation is or what he's gone through to get where he is. You sound angry towards...

switch625 it appears your situation is much better that ours and should you ever need another car , you will probably be able to pay cash!
Where ever you may live, you probably have no issues with COL or anything else and you can afford to ignore APR rates. Thank you for your input though....

Sherri6474 at least you guys have insurance now!
I think your story reads like a nightmare and you really shouldn't be hit like that again. You deserve some really good luck!
When I see some people complaining about a $190 doctor visit (and this after they just flew out to Cali to visit...

Switch625 , what interest where they offering you? My husband and I each received dozens and dozens of CC offers before, but that is the first time I 've see that "low" of an interest offer from them. We found out both of our credit scores were around 680 a few months ago, so perhaps when...

Sherri6474 thank God you are released from your 100k burden !
This is a perfect example how misfortune (job loss,huge medical bills ,etc.) can force someone into BK through no fault of their own - just bad luck!
I'm really glad they didn't force you into a 13 and you found a way to save...

Carmella13 surely your house can't be in as bad a shape as that dreadful fixer up was - we spent over 100k to make it livable!
Hopefully it won't cost you guys too much to put it on the market and since you will have 100% equity and no mortgage you should make a more than decent profit even...

I found this some what amusing as well as exasperating : Our former neighbor at the fixer upper that ordained this BK 13 just posted a social media rant about how "unreasonable" their insurance deductible of $3000 is and how she "needs" to visit the doctor but at $190 a visit she...

I'll reply to both: Zombie 13 you have always been the optimist who never lets much get you down while I was always a half empty glass, moody ,emotional artistic- personality . You are always able to turn very bad situations around while I tend to wither and give up.
Sophieanne : right now because...

Very interesting development in the latest installment of the Ollo CC offers - instead of 24.99% ,now it's 19.99% and 0% into APR for 12 months!( Before I believe it was 9 months.)
Of course I'm not interested but I am curious : are they just "desperate" to land me as a new "victim"...

Sophieanne just to answer a couple of your last replies - actually all these expensive health issues started in 2017 (after we had filed ) and the HDHP only started in 2016 -before that we had a low deductible copay plan (a POS). So prior to 2017 I had no huge medical bills.
I lost a tooth last...

I'm sorry you have found my comments (and others) unpleasant to read sophieanne but I have found too many posts on here to be sugar coated and almost in awe of the whole Bk13 process and "learning from your mistakes" and "how instructive" the BK13 budget is with out really addressing...