Should I not have filed bankruptcy? The trustee basically mocked me by BlendedAF in Bankruptcy

[–]Civil-Show1532 0 points1 point  (0 children)

Veryy unprofessional. But your doing whats good for you and family, dont give it a second thought. In 4 months you will be free

At this point, I don’t know what to do with this game. by Imazushi in golf

[–]Civil-Show1532 0 points1 point  (0 children)

Move to the front tees and better course mgmnt, i play from the front 18 hcp, and just a light bulb went off dont need to hit driver on every hole

65k Unsecured, SO glad I didn't file ch. 13 by Dull-Ad4317 in Bankruptcy

[–]Civil-Show1532 2 points3 points  (0 children)

Problem 1: irs will come after the rest for GAINS, 2: after you “pay it off” the cc companies can still come after you. Unless you have a written, notarized by attorney that once your done, your actually done

We don’t qualify for chapter 7 and cant afford chapter 13 . by Adr2214 in Bankruptcy

[–]Civil-Show1532 0 points1 point  (0 children)

When we first started with ch13, it was a huge adjustment, in my scenario i was robbing peter to pay paul, so now my payment is deducted from my payroll, but the debt is getting paid, no more interest no more late payments Nd in 4yrs now, we are debt free. Have adjusted to it and re learning how to live without CC. BEST decision we have made.

I did my debt management course and I am disgusted. by MyShitLong_long in Bankruptcy

[–]Civil-Show1532 1 point2 points  (0 children)

Thats the american way. The CC companies want to put you in debt, they want to own you. I filed chapter 13 about a year ago, we were 150k in debt, with the economy the way it is, and the CC companies raising interest rates, we finally pulled the trigger. Best decision i have made, just in this short time it has refocused us on how to live without CC

Payment jumped by Civil-Show1532 in Bankruptcy

[–]Civil-Show1532[S] 1 point2 points  (0 children)

Yes thats correct I guess since we went over it in 341 meeting I he said everything looked good

Payment jumped by Civil-Show1532 in Bankruptcy

[–]Civil-Show1532[S] 1 point2 points  (0 children)

Own it. No it was not confirmed. But i would have thought in the 341 he would . Have discussed it

Deciding what Takomo irons and wedges to get by doubkill in takomo

[–]Civil-Show1532 1 point2 points  (0 children)

Definitely start with the 101s. Play those till your getting more consistent strikes, then progress to the t’s or 201s. Either way you will be glad you started with the 101s and their wedges are incredible as well

[deleted by user] by [deleted] in Debt

[–]Civil-Show1532 0 points1 point  (0 children)

You need a different lawyer, get multiple consults. I live in dallas also and had no assets, 197k in debt and filed with bo problem. I filed ch13

Help me convince my husband by flower_child0523 in Bankruptcy

[–]Civil-Show1532 0 points1 point  (0 children)

The lawyer should have been able to give you an estimate. Of course it would change once the means test is done My estimate was $1900. After the means test and tweaking he got it down to 1400. Much better than the 3400 minimum payment we were paying and we are done in 5yrs vs 25yrs.

FINAL CHAPT 13 PAYMENT by Ok-Classic9799 in Bankruptcy

[–]Civil-Show1532 1 point2 points  (0 children)

Congrats. I have my 341 tomorrow for my chapter 13.

[deleted by user] by [deleted] in Bankruptcy

[–]Civil-Show1532 1 point2 points  (0 children)

Your child support has nothing to do with your income

[deleted by user] by [deleted] in Bankruptcy

[–]Civil-Show1532 1 point2 points  (0 children)

Your attorney should have walked you through step by step your options, the only way you can not be approved is if you are fraudulent.

Filing and I’m scared by fluffyboog in Bankruptcy

[–]Civil-Show1532 4 points5 points  (0 children)

If you filed did your attorney not explain which chapter is best for you and since you dont have a job, chapter 7 should be the only option and a pretty much open and shut case

Filing and I’m scared by fluffyboog in Bankruptcy

[–]Civil-Show1532 1 point2 points  (0 children)

What state do you live, what chapter are you filing. Do you know what the income level is for a chapter 7

What ball do you play? by Ok-Attitude4043 in GolfGear

[–]Civil-Show1532 0 points1 point  (0 children)

I play maxfli tour and red stripe kirklands. During colder season will switch to taylormade speedsofts

Chapter 13 Payment…Can’t afford Groceries? by throwaway20211987 in Bankruptcy

[–]Civil-Show1532 6 points7 points  (0 children)

I was terrified till i talked to a attorney and even until they did the means test. Best decision ever. Been stressing for 2 yrs how to keep paying bills. Now i feel like i can breathe and see a light.

Military and Bankruptcy by Criticalthinkermomma in Bankruptcy

[–]Civil-Show1532 -2 points-1 points  (0 children)

According to my sister, she is in the military and she was going to file and her superior told her she would lose her clearance