share where is that 15 fin mngt

Congratulations, I too have gone through a bk and have prospered because of it. I am writing a book about my experience, I would love to include your story if you [email protected]

Spent $15 to finish the Financial MAnagement Course for myself and my wife which brings the total for all the required counseling to $50 which is the cheapest I could find.

The case is filed and all of the required certificates are posted on PACER and it's time to wait for the 341 because...

Others have asked, and I've always intended to share some of the things that seemed to help. It isn't well thought out or organized but here's some things...

First I should point out that I'm in Texas and there's a few big advantages it gave me that many people don't have. The biggest...

After more than a year the time seems right to file.

It's hard to explain why now and not later or not already. At different times there were medical expenses looming that we wanted to include if they were too big. Or, the tax rebate that we didn't want to forfeit. At various times for...

Hi,

Why would you want to wait so long to file?

The phone calls have completely stopped and the silence takes some getting used to.

I'm exaggerating a bit because we kept making payments to Discover for a couple of extra months and, unlike all of the other accounts, they haven't charged off yet. They are still calling once in a while...

Well, I used my Tax Stimulus Rebate and made an appointment with an attorney I interviewed almost a year ago. I paid him a $500 retainer even though I could have paid him in full. It was weird because we've gotten kind of used to the way things are going and I still felt reluctant to actually go ahead...

Where to start?

I see I can add attachements and that might be interesting to try. I'll probably put more detailed credit score history here and other events as they unfold.