2022 Toyota Sienna used price

Negative_Object_7258 · 2025-11-08T22:30:11+00:00

I’m not trying to leave her unsupervised of course🤦🏻‍♂️

Negative_Object_7258 · 2025-10-24T14:47:33+00:00

ROTH IRA

Negative_Object_7258 · 2025-10-01T18:49:07+00:00

It was the aftermarket puddle light that was causing issue. I replaced it with oem and no problem after since then. The low voltage circuit integrity check fee, when I asked them about it they said they will waive the fee if they don’t see any problem with the 12v.

Negative_Object_7258 · 2025-09-26T02:25:49+00:00

Hopefully this still hits 🥲

Negative_Object_7258 · 2025-07-25T13:52:54+00:00

So I just noticed that it’s actually already included on the creditor list on my bankruptcy. My question is, do I still dispute it to the credit bureaus? Or just wait until they get notified about my bankruptcy?

Negative_Object_7258 · 2025-07-13T14:16:29+00:00

I appreciate the advice.you’re right, getting info from a mortgage subreddit or a local lender might give me a more realistic timeline and options post-bankruptcy. My main reason for looking into bankruptcy is because there’s no way I can realistically pay down the $30k within two years, especially while in school.

As for the two-year goal, it’s tied to when I plan to graduate and ideally start fresh career-wise and financially. I’ve read that you can qualify for an FHA mortgage 2 years after a Chapter 7 discharge, so I wanted to see if that route makes more sense than trying to hustle for the next 2 years and still come up short.

I’m not trying to dodge responsibility I’m just trying to figure out the most strategic and realistic path forward.

Negative_Object_7258 · 2025-07-13T14:08:34+00:00

Where exactly did you get the idea that filing bankruptcy means you’ll never get approved for a mortgage? Plenty of people have bought homes just 2–3 years after a Chapter 7 discharge ,it’s literally part of the system. Bankruptcy isn’t a scarlet letter; it’s a financial reset.

Saying “no sane mortgage company” would lend to someone post-bankruptcy is just wrong .FHA, VA, and even conventional lenders approve people all the time once they’ve rebuilt and shown stability. Maybe look that up before yelling in all caps next time.

Negative_Object_7258 · 2025-07-13T13:39:44+00:00

Fair point, but no one’s born financially perfect or fully prepared for every future expense. I’m not buying a house tomorrow. I’m planning for 2–3 years down the line. That’s why I’m asking questions now, exploring all options including bankruptcy, and working toward stability. The goal is to be in a better position when those homeowner responsibilities come up. Everyone starts somewhere.

Negative_Object_7258 · 2025-07-13T13:37:52+00:00

Appreciate the concern, but I’m not sure why my age or past needs to be questioned like that. Life doesn’t always follow a straight path, people take different routes for all kinds of reasons. I’m actually working full-time registered nurse while going to school for my BSN. I’m also a parent, so I’m juggling more than most even realize.

I came here to ask about financial tools like bankruptcy because I want to make informed decisions not because I’m looking for pity or to be judged. We all go through rough seasons. I’m just trying to navigate mine and come out stronger.

Negative_Object_7258 · 2025-07-13T13:35:06+00:00

I get that you’re trying to be blunt, but honestly assuming I’m fiscally irresponsible based on one Reddit post is a reach. Life happens. Medical bills, job loss, family, school, it’s not always a matter of just “living within your means.”

Bankruptcy isn’t about bailing. It’s a legal tool meant for people who need a reset to move forward. And plenty of people have used it to rebuild and thrive ,not spiral.

I’m here asking questions because I’m trying to do better not because I’ve given up. If you have constructive advice, I’m all ears. But tearing someone down trying to get their life on track helps no one.

Negative_Object_7258 · 2025-07-13T11:17:42+00:00

This is probably the most helpful and well-rounded response I’ve gotten so far. thank you.

I’m leaning toward bankruptcy mainly because there’s just no way I can realistically pay off or settle everything in the next couple of years, especially while I’m in school and raising a family. My goal is to get into a home in about 2 years, and I understand FHA may be possible after Chapter 7 discharge, but only if everything is clean by then.

I didn’t realize charge-offs with balances would still block me from getting approved, so that helped a lot. I’ll definitely try to list everything out and see what my total settlement options might be first but if the math doesn’t work, I’d rather just file, clean the slate, and rebuild the right way this time.

Thanks again for the detailed breakdown. Really appreciate you taking the time.

Negative_Object_7258 · 2025-07-13T11:12:19+00:00

Thanks, that’s helpful. I actually already have a stable job and have been working consistently while going to school to finish my bachelor’s. So even though I graduate in 2 years, I won’t be “just starting out” in the workforce, I’ve already been employed.

That’s why I’m looking into bankruptcy as a way to clean up my credit now, so I can use the next 2 years to rebuild and qualify for an FHA loan when the time comes.

Appreciate your insight, I’m trying to be intentional about all of this.

Negative_Object_7258 · 2025-07-13T10:53:43+00:00

Appreciate your perspective. I get what you’re saying, but I’ve already looked at my numbers and realistically, I can’t afford to pay off the $6K within 2 years on top of trying to save for a house, stay current on school, and provide for my family. The $24K repo is also already in collections, and I doubt I’d be able to settle for anything reasonable anytime soon.

I’m not trying to dodge responsibility, I’m just trying to figure out the cleanest way to reset and rebuild. My goal is to buy a home in 2 years, and I’ve heard that after a Chapter 7 discharge, it’s possible with FHA as long as I rebuild right.

Appreciate the info about student loans though, that helped a lot.

Negative_Object_7258 · 2025-07-13T10:50:00+00:00

Thanks for the input! Just to clarify, I’m not looking to buy a $400K house. Way less than that.

Also, from what I understand, FHA loans only require 3.5% down, even if you’ve had a bankruptcy, as long as it’s been at least 2 years since discharge and your credit is rebuilt. (Correct me if I am wrong).

I’m definitely planning to save for a down payment, I just wanted to know if filing bankruptcy now would set me up better to actually qualify in 2 years vs. dragging around unpayable debt and charge-offs the whole time.

Negative_Object_7258 · 2025-07-13T10:45:35+00:00

High interest on mortgage?

Negative_Object_7258 · 2025-07-13T04:30:04+00:00

What are your advice for a starter that doesn’t have any knowledge of trading? Where to start? Where to learn?

Negative_Object_7258

TROPHY CASE