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  • jddolfan
    commented on BK Alternative...for better or worse...
    I am going with the same plan. I hope to pay less than I would have if I had stayed with my Chapter 13 plan. Any other advice?
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  • scmami
    started a blog post BK Alternative...for better or worse...

    BK Alternative...for better or worse...

    I realized, as I was lurking, that I never finished my story on here. Here we go: Last year, 2009 we canceled our agreement with our attorney and decided to pay our bills on our own! I got all but $300 of my deposit back. No biggie there. I started calling and settling with creditors. That didn't really...
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  • scmami
    started a blog post Found an attorney

    Found an attorney

    Ok, our meeting with our 2nd Attorney was today and......gasp....we LOVED him! We are going to retain him tomorrow. His fee is $1400, retainer $100. The rest is payable by Sept 2. We are going to break it up by paycheck about $260/paycheck. I am so ready to get the ball rolling. We've decided for sure...
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  • scmami
    started a blog post Timing is Everything!

    Timing is Everything!

    Ok, this is my story. (I'm not sure if anyone will ever read this but it feels GREAT to vent!)

    So I lost my job 5 months ago and hubby and I were already maxed out on CCs and drowning in debt. We were barely making it and I brought in about 50% of the income, so this was a crisis for
    ...
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