posted by Aaron Joslyn @ 11:25 AM
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5 Comments:
At 11:21 PM,
Anonymous said…
Don't worry about the "deficiency" judgment as that can be discharged. BUT you will have the "repo" on your credit reports.
#BREAK
The rule about credit cards is you cannot charge more than $500.00 on any ONE card 90 days before filing bk.
At 10:14 AM,
Anonymous said…
34 years of "trying to keep up with the Jones'" has led to approx $100,000 unsecured debt and a 1st & 2nd mortage.
#BREAK
I filed Chapter 7 15 years ago due to extended unemployment which ultimately resulted in excessive unsecured credit card debt (45K).
At 7:18 AM,
Anonymous said…
34 years of "trying to keep up with the Jones'" has led to approx $100,000 unsecured debt and a 1st & 2nd mortage.
#BREAK
I filed Chapter 7 15 years ago due to extended unemployment which ultimately resulted in excessive unsecured credit card debt (45K).
At 6:17 AM,
Anonymous said…
I think this is super helpful info for anyone going through the process.
At 10:57 AM,
Anonymous said…
I've noticed that in the last few months, CH7 filers who are on the edge of a 13 are being scrutinized more heavily than before-
#BREAK
if you get to the point where you must file, best thing to do..get a good lawyer, be 100% open and honest in every aspect of the filing, and be prepared to spend some sleepless nights and stressful days. In the end though, if you were 100& honest and did not violate any of the BK laws, your fresh start will be here and you get a second chance. I know I tried every possble way to avoid filing, but in the end, it was all I had left, so I had to.
#BREAK
I just retained a very experienced bk attorney about 2 weeks ago. This attorney is actually trying to become a trustee. I am paying $1500 for a chapter 7 + filing fees + education cost.
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