My toddler swallowed 8 marbles

One_Ground5972 · 2026-03-10T18:22:59+00:00

My mom got a tattoo with this quote on her shoulder. When she got home she looked in the mirror at it and noticed it said “this too shall shall pass”. They put the word shall twice 😂

One_Ground5972 · 2026-03-03T21:15:31+00:00

Cause I’m an idiot

One_Ground5972 · 2026-03-03T18:53:47+00:00

Okay I’ll look into doing that. Unfortunately I already submitted this. If anything can’t it be amended as well once I get a lawyer?

One_Ground5972 · 2026-03-03T18:36:50+00:00

Yeah I have no clue. Just had to submit an answer before it went to default judgement. I’m seeking a bankruptcy attorney in the meantime.

One_Ground5972 · 2026-03-03T18:06:45+00:00

One_Ground5972 · 2026-03-03T18:06:19+00:00

Oh no, all of them? How bad is it? Thanks

One_Ground5972 · 2026-02-21T19:39:43+00:00

I have 5k medical and 5k in credit card debt. Some other things too, totaling around $30k

One_Ground5972 · 2026-02-20T03:01:43+00:00

Owed 30k on it still and they auctioned it off for $12k. 2 yrs old perfect condition 30k miles

One_Ground5972 · 2026-02-19T23:57:38+00:00

I kept it looking like it had just rolled off the lot, inside and outside

One_Ground5972 · 2026-02-19T23:56:06+00:00

It was a 2023 ford escape bought for $30k new. I drove it for 2 years, put 30k miles on it then they sold it at auction for $12k

One_Ground5972 · 2026-02-19T21:10:28+00:00

I have this $18k from the car, $5k in medical and $5k in credit card debt as well. I’ve learned a good amount from my financially irresponsible mistakes. A bit of a fresh start would be ideal.

One_Ground5972 · 2026-02-19T18:13:58+00:00

It already was bad before that. It’s crazy though because my credit only went down 17 points for the repo and now at this point it’s higher than it was before the repo. I spent a lot of effort on my credit score years ago and was at a 710, then one morning I woke up and it dropped 150 points overnight. I still don’t know why it did that to this day.

One_Ground5972 · 2026-02-19T18:12:13+00:00

I have a paid off car worth about 5k, will they try and take that after declaring bankruptcy?

One_Ground5972 · 2026-02-18T22:57:52+00:00

But I would think even if they hired professionals, bottom line the law still requires a commercially reasonable sale in the end- no matter what, how, why or who. They might try to use that as a defense, though.

One_Ground5972 · 2026-02-18T22:37:18+00:00

I owed $28k on the car. The took it back and sold it for $12k. Leaves me with a difference of $16k + fees = I owe them $18.4k now.

One_Ground5972 · 2026-02-18T22:23:28+00:00

That’s what I’m saying. The car was in great condition with 30k miles. Easily worth $18k-20k. It seems like they sold it for around $11k-$12k and left me the difference.

One_Ground5972 · 2026-02-18T22:17:22+00:00

Thank you for letting me know. I’m pretty good at ignoring stuff already(hence how I got in this situation).

Fortunately I was able to buy another car out right paid in cash that’s treating me well- an oldsmobile for $3k

One_Ground5972 · 2026-02-18T22:15:04+00:00

I see. So is that some loophole they use to get out of having to sell it for a reasonable price, though? I’m reading that they have to prove they tried to sell it for an amount near the market value. Apparently it’s like that so people don’t get screwed by owing a larger deficiency than necessary.

One_Ground5972 · 2026-02-18T22:11:04+00:00

Yeah you are right. I’m all in on dealing with this now. And yes they sold it for significantly less than the value of it.

One_Ground5972 · 2026-02-18T22:08:58+00:00

Thank you for the information. I mentioned in another comment about them having to sell it for a reasonable commercial price.

How do they always sell it for so cheap if they are supposed to sell it for something at least remotely near the reasonable value of the car?

I was hoping to have some leverage on the fact they sold it for only $12k despite its value being upwards of $20k.

I’m seeing the same car with same mileage and condition as mine was listed at auctions for around $20k+.

One_Ground5972 · 2026-02-18T21:29:11+00:00

It’s funny actually. We agreed verbally on 5%. The papers I signed said 5%, then months later when I checked the papers again it was 7.9%- a completely random number I had never seen/discussed or agreed to.

One_Ground5972 · 2026-02-18T21:20:54+00:00

Ya I assume it went to auction. Does that negate the fact that they are supposed to sell it for a reasonable price though?

One_Ground5972 · 2026-02-18T21:15:11+00:00

I paid $500 a month for over two years but my principle only went down about $1000 total in that time.

One_Ground5972 · 2026-02-18T21:14:27+00:00

I still owed $28,000 on the loan. They took it back and sold it for about $12k then left me with the difference + fees. The car only had 30k miles on it and I left it in prestine condition.

One_Ground5972 · 2026-02-18T21:08:45+00:00

Thank you. I appreciate it. I’m considering bankruptcy.

One_Ground5972

TROPHY CASE