RSS FeedI'm amazed at how fast everything went. I overnighted my paperwork on Thursday, checked Pacer today(Monday) and found out I have a case number and looked up my local trustee and found my name, case number and my 341 meeting date/time. I'm pretty excited at how fast they are moving. I was looking at the schedule for all of the meetings my trustee has that day and there are dozens and dozens scheduled. There must be like 4-5 scheduled every half hour so the meetings can't be very long
Archive for the ‘debt free’ Category
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Transfer of Property [adult kids] [judgements]
October 2nd, 2011 
admin 13. He asked if I had transferred any property within two years of filing
This is one question from CreditMcNugget's post that interests me: Husband, soon to be X when I can afford it, QC'd marital home to me and 2 adult kids when I asked him to because he decided in 10/06 to stop paying all bills and I was afraid of any future judgements against him would tack onto the house. At that time I tried like heck to keep the home. I booted him out back then but we've filed bk togeth
OMG OMG AMEX Delta Sky Miles!!! [delta sky miles] [prime card]
October 1st, 2011 admin I just got an instant online approval like 2 minutes ago with AMEX Delta Sky Miles!!! For $3100!
Yes it's not that high, but who cares, it's a prime card!!!
I received an alert in my mobile like 15 minutes ago that my score increased 139 pts!
So knowing that I have no more baddies showing and no PR…i went straight to
AMEX's website and applied before there are any changes again!
And voila!!!!!!!!!
Havin' a good day today!!!
yikes, is this fraud or can it be discharged in BK? [overdraft fees] [nsf fees]
October 1st, 2011 admin We closed our bank account, but I just checked it online. It isn't closed, it's just negative over $1200.00. A check I wrote 2 months before closing the account went through ($100), someone bounced a check they wrote to me ($350), and then 3 automatic deductions I forgot about went through (total of $600). The rest is NSF fees and overdraft fees.
My husband is really worried that this was fraud, drawing against a bank account with no money in it.
We're filing for BK some
Bankruptcy questions [bankruptcy questions] [failed business]
September 28th, 2011 admin Well, its been a long road, but we're finally going to file for Ch 7, We have loads of cc debt from my failed business, I do have a couple of questions though…
First off, I have a cc with a small balance, I had planned to pay it down to a zero balance, but that won't happen before we file. Should I stop paying it? Keep paying it and hope it survives bk? I just made a payment to it (had beeen late) because our bank accounts were seized and I wanted to use it for our daily expensie
letter from IRS states we owe money from 2005, filed BK in 2006–would this be included? [ssn] [bk]
September 27th, 2011 admin Hello everyone,
I haven't been around here in a while, but I have a question about taxes and BK.
I just got a letter from the beloved IRS saying that in reviewing our return from 2005, they have found that we owe more than what we paid in for that year. This is because my husband's former employer had reported someone else's income on my husband's 1099. The SSN on the 1099 does not match my husband's number and the amount that was reported as paid to him is incorr
Need help understanding Judgment/ lien release [judgment lien] [discharge papers]
September 26th, 2011 admin I filed chap7 in 1998. The bankruptcy was discharged in Feb 1998. I recently added my name to the title of the house my husband & I own, and the day before closing the title company found a judgment on file during a tilte search. The judgment never showed in my credit reports so I had no idea it was still listed anywhere. So the title company said they wanted to withhold $3000 of my [husband's mortgage] payout in escrow pending copies of the discharge papers proving the debt (an $1100. j
okay im irritated [mad props] [creditors]
September 25th, 2011 admin Im a little mad! Last week I posted my story on credit and BK and what had happened to myself. Not that Im angry at anybody here but at the creditors that wont give me a shot on credit 2 YRS after Ive filed! Mad props to you guys with the opportunity to get back on your feet. But I was wanting a loan for a car for a while now, but never could pull it off. So now both the cars I own are my own, but anytime I want to do anything its just alot of saving. Does anyone know how to possibly
Bombshell From the Landlord [emergency fund] [bombshell]
September 24th, 2011 admin As we anxiously await our discharge, I get a call this evening from our landlord. They are really nice folks, but did not intend to have this house as a rental property. I think they wanted to flip it and make some money. Anyway, he tells me that they do not want to renew the lease in March because they really want to sell the house and be done with it. We were considering buying it, but not until next year because we need to build up an emergency fund in our savings account and we're ju
Specific auto loan creditors after Discharge? [auto loan] [creditors]
September 21st, 2011 admin Hi all,
I was shopping around for an auto loan and wanted to know where I should look. Anyone have any success in this arena? I have tried reading the credit after discharge thread but there isn't many auto loan creditors in there.
Anyone have any stories to tell? Advice? Etc…
TIA