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JP33
Registered User
Last Activity: 11-12-2018, 11:46 AM
Joined: 10-27-2018
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  • JP33
    replied to Chapter 13 payment
    This is exactly what I’m worried about! How do they expect anyone to live on $500 extra a month!!!! Let them try and live on that, ridiculous! Our grocery bill alone is $550 a month and that’s going to 2 diff places to save money.. what a joke. I hope you find a better solution!...
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  • JP33
    replied to Decided to take the plunge.
    She did give me that info. They called back the following day and let this lady how rude and disrespectful her co-worker was.. she said she must have had a bad day lol.. ok. This lady was pleasant, took my info and said good luck! Much better experience...
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  • JP33
    replied to Decided to take the plunge.
    Just had a bill collector from the Cleveland Clinic call me. Have a bill for $1,100 with them. Told her I retained a lawyer and will be filing for bankruptcy.. she got nasty and hung up. Wow....
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  • I’m in the same boat. I just retained my lawyer last Friday. Past 4-5 month is when all the guys at my workplace take their vacation time which means I have to cover. But all winter and most of spring and mid summer it’s down to none. That’s a loss of about $800/mo which is a lot. So I’m worried...
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  • JP33
    replied to How Much Do You Make A Year?
    82k myself with my wife making 34k.. sadly I just started the chapter 13 process for myself. More you make the more you spend when you have bad habits. Well had bad habits. I’ve learned....
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  • JP33
    replied to Decided to take the plunge.
    Carmella13,

    although this is terrible to go through im glad I decided to do it now. Espiclally since I’m still current on everything. We are already working on our budget with excel to see exactly where our money is going. My lawyer did want 6mo of my wife’s income as well as her...
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  • JP33
    replied to Decided to take the plunge.
    Thank you Robin2017, and I will!

    Sophieann, we talked about that.. both my first and second mortgage are in my name only. She only has 2 credit cards and they are only about $7,000 total which we’ve been working on paying off. Should have them gone by March provided my trustee let’s...
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  • JP33
    started a topic Decided to take the plunge.

    Decided to take the plunge.

    Background. I’m 29 years old, married with a 6 yr old. Over the course of about 10 years I had some bad luck, but mostly stupid spending I shouldn’t have done. I found myself $40,000 in unsecured loan and credit card debt that we are drowning in. I’m working a ton of overtime just to break even...
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