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nicole97
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Last Activity: 11-26-2019, 01:18 PM
Joined: 11-21-2019
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  • nicole97
    replied to Question on disposable income
    Wow, those are definitely numbers I would not expect. I would love to have even half of that food allowance available....
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  • Thank you all, so much! It is very gut wrenching, though I am starting to make a little peace with it. As mentioned, we are always in a position where we think Oh well we can fix it ourselves, no problem, just keep chipping away. But then, something happens and that little chip is gone and we start...
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  • nicole97
    replied to Question on disposable income
    Oh wow, no it would have never occured to me that it is that much. We have 5 in our household, so that would be even more I would imagine. I've seen many places that mention a certain amount toward entertainment as well. That surprised me. That seems like something that would be a luxury and not c...
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  • nicole97
    started a topic Question on disposable income

    Question on disposable income

    I am just starting this process. My question is, my lawyer thinks we can get ch. 7. I know the trustees look at disposable income to determine if you can have that or not. The issue is I HAVE the money to pay the minimum payments every month - I always make my payments. But paying those leaves me...
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  • I should probably give details too. My husband and I have almost $40,000 in credit card debt. Roughly another $5000 in medical debt. I personally have $86,000 in student loans (I know those are not dischargeable - just giving facts). We have a home which is valued basically at what we owe on it,...
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  • nicole97
    started a topic Starting the process, making me physically ill

    Starting the process, making me physically ill

    Hello all,

    I am just starting the process of filing Chapter 7 (so I don't know a lot of the terms you guys use yet). But even just now, it's making me sick to have to do. It's not the filing that is bothering me so much. ALL of my creditors are paid on time. I never miss payments. BUT...
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