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Trevor
Registered User
Last Activity: Today, 12:52 AM
Joined: 12-20-2017
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  • Trevor
    replied to Reaffirm Debt of my Truck or let it go?
    Sorry for the late reply, busy today. This is exactly what I was thinking about, how the truck payment could actually help me get approved for a Chapter 7 and pass the means test. This was briefly brought up with the two consultations I had with the lawyers.

    Another reason I wanted to keep...
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  • Trevor
    started a topic Reaffirm Debt of my Truck or let it go?

    Reaffirm Debt of my Truck or let it go?

    I currently owe $30,000 on my 2017 Ram 1500, it's a finance through Alaska Federal CU with only 8,000 miles. I drive maybe 300 miles a month because I moved to an apartment literally 1.2 miles away from my job. That's the only Credit Union I owe money to, I don't have any credit cards with them. Would...
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  • Trevor
    replied to Should I even respond?
    Thanks Des! I made a mistake paying off those 2 cards, I was of the mindset "it's two less banks I don't have to worry about" etc, which now I realize I made a mistake lol. Currently I'm saving up for a lawyer, and it will be done and I can't wait to get this behind me I seriously learned...
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  • Trevor
    started a topic Should I even respond?

    Should I even respond?

    I'll be filing for Chapter 7 in about 3-4 months, already had 2 consultations with reputable Bankruptcy attorneys in my area. In the past week I got 2 letters, one from a lawyers office that is basically saying I have 30 days to object to the debt, or else it be considered a valid debt etc. That debt...
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  • Trevor
    replied to ONE YEAR post-fling: Ch. 7
    Thank you so much....
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  • Trevor
    replied to ONE YEAR post-fling: Ch. 7
    Chrysalis, THANK YOU for posting this. I'm so happy for you, I'll be doing my Chapter 7 in a few months, and can't wait for this to be behind me. I have SERIOUSLY learned a lesson, and now I realize that I screwed up, but it's not the end of the world. To be completely honest, and I'm sorry to admit...
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  • I can't add much, but I will say this, I almost killed myself thinking about the "what if" situations etc. DON'T KILL YOURSELF over debt, life is worth living. I'm sure many will post here, giving great info, people smarter than me. Just remember, problems come and go, they all come to...
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