Please don't angst over the items you cannot figure out how to put a price on, the court is not going to come out and check it. I know how stressful it can be, I have recently filed for bk, but actualy the filing put an end to the anguish that led up to the necessity of filing for a bk. My life is...

So we finally filed our Chapter 7 on June 20th. It was so overwhelming going over that petition that I hope we didn't miss anything. Now we just have to focus on following a budget although we haven't officially drawn one up yet. We'll have our schedule j to work with.

We are also...

So we've got everything together and decided what to do about our cars, we're keeping them both because at this point we won't be able to get financing for a new one for my husband. We have an appointment for Friday morning and our attorney will be filing on line that day. Provided of course that...

So we've decided that we are going to go ahead and do the chapter 7. It means that we have to find my husband a cheaper car sometime before we file so we can turn his more expensive car in.

But I had been studying the chapter 13 stuff and now I'm all out of my league. Plus it's been...

So sorry to hear about your fibermyalgia and osteoarthritis. As far as the finances fluctuating, I've been there because my husband is self-employed and it was so difficult. The sooner it is appropriate to file, the better. Talk about sleepless nights...

So we had our second meeting with our attorney yesterday and he said that what he had to say we might not want to hear. Naturally we got ourselves prepared for the worst. It's not as bad as we thought. Turns out that we are (according to our attorney) prime candidates for...

Hello everyone,

And if you are reading this, thank you!

It's getting so frustrating because expenses keep changing day by day and I'm very worried that I'll be caught short during an emergency.

I have fibromyalgia and osteoarthritis and the stress...

I have to say that for the most part the calls have been fairly painless. But it's that one call every so often by someone who either loves their job or really hates it that gets me all in an uproar. Today I let them rattle me and I don't like that at all.

The guy who called was from...

We are in the process of filling out the questionnaire that our attorney gave us so that he can process all the paperwork. It's all so confusing. And now that our accounts are being sent to collection agencies I want to make sure that every necessary piece of information gets included.
...

good luck with it

So, now we have officially retained an attorney. He was very impressed with our level of organization even though I had an inch high pile of stuff that I had to sort through. Most of everything else was in labeled file folders that I put in a binder.

We didn't fill out our questionnaire...

Our pre BK credit counseling course happened over the phone. The counselor merely verified the amounts we had submitted in early April when we called for credit counseling and possible debt management plan. We adjusted some budget items to allow for gas prices and food prices but of course this budget...