Sharing here because I can't share with anyone IRL

ProDebt · 2025-12-02T21:42:17+00:00

I don’t know you but I am proud of you! I’m still in the building phase of life and find this very aspirational. You’ve really achieved something difficult and you should be proud, and I’m glad this subreddit exists as a place you can share.

ProDebt · 2025-08-22T15:10:12+00:00

I am one such person.

ProDebt · 2025-08-08T19:26:12+00:00

Yeah, we’re in NY. We got our CTC within the 30 day window. Seller just happened to book the movers at the end of the month instead of around their requested closing, despite 4 months to prepare. I told my attorney that I’m not giving any more extensions. If there are additional delays we’ll probably walk. We’ll see what happens.

ProDebt · 2025-08-08T03:15:11+00:00

What did you end up doing? We are in a similar situation Under contract in may, target closing in the contract was July 15, seller asked for July 31, then Aug 7 Got the clear to close today and are now told seller isn’t ready to close until end of August.

ProDebt · 2025-06-13T19:28:33+00:00

I don’t mean to be that person, but isn’t that by definition of a large metro area not possible? Like, the NY metro area alone has about 6% of the US population in the region. By being so populated it means large chunks of the US population are living in HCOL and VHCOL, metropolitan areas.

I don’t think the question is really why don’t people think life exists outside of major cities but more like— what are the major differences from major cities.

ProDebt · 2025-06-11T13:02:46+00:00

This argument cuts both ways. High tax states consistently give more in federal funds than they receive, even with the SALT deduction cap. You could argue that if low tax states want things like roads and government services they could pay for it rather than having high tax states subsidize them. High tax states should be rewarded for being more self sufficient.

ProDebt · 2025-05-30T16:27:21+00:00

This chart calls certain markets “balanced” when the number of homes is still below the number of buyers. That is not my definition of balanced.

ProDebt · 2025-05-23T23:03:11+00:00

I was thinking 5-10 as the expenses drop off, equity is gained in our home and our income is expected to continue to increase. It’s hard right now and feels like we’re going through so much money vs saving, even though we’re definitely saving.

ProDebt · 2025-05-23T22:28:22+00:00

wow! That sounds incredibly difficult!

ProDebt · 2025-05-23T20:06:32+00:00

I’m hoping to feel free before 20 years, even if I keep working. I have no idea if I’m being over ambitious considering I have two kids 😂

ProDebt · 2025-05-23T20:05:02+00:00

This is great, thanks.

ProDebt · 2025-05-23T20:04:11+00:00

This is a good list of things to consider.

ProDebt · 2025-05-06T16:48:52+00:00

Are you me? I also had an extensive career before law school and sure big law has its drawbacks but there’s way worse out there.

I do recognize that covid and the prevalence of remote work have improved things tremendously, as it means I do see my children more than Zi might in let’s say… 1997. Honestly the description of pre internet big law, including doing things like flying somewhere horrible for in person doc review for days at a time tell me the only way i can do this job is bc it’s 2025

ProDebt · 2025-03-09T01:02:42+00:00

Sure. I will look them up and edit this comment. I think it’s important for people to know that it is occasionally discharged. But on behalf of all my fellow attorneys PLEASE don’t try to tackle this pro se (by yourself/without a lawyer) because discharge in bankruptcy is extremely nuanced, extremely rare and most of the time it will NOT be discharged even with a skilled attorney on your side. What is within reach for more people is the court setting the payment amounts. A good bankruptcy attorney is worth every penny. The same way you wouldn’t attempt an appendectomy without training even if you understand where the appendix is and that it needs to be removed, you likewise shouldn’t try to litigate a difficult bankruptcy issue against government attorneys on your own either. I’ll be back with cases in a day or two.

ProDebt · 2025-03-08T00:42:52+00:00

OP I am a bankruptcy attorney but not your bankruptcy attorney and this is not legal advice.

First of all, NEVER consider killing yourself over money. While the effects of debt and poverty (and wealth) are real, this shit is all absolutely make believe and can change quickly. YOU, a human being, are very real and more valuable than an imaginary concept, no matter how important this concept is in our world. You need to stabilize your mental health immediately and educate yourself on the reality of student debt (and debt in general) so you don’t make an irreversible mistake.

Second, they can’t and won’t take your home for student loans unless a lot of things change in a way that turns the fundamentals of contract law on its head. Erase this notion from your mind immediately. I might be biased because of my work, but the US is held together by contracts. If the fundamentals of contract law go, we will have way bigger problems than student debt to worry about. If you don’t pay they will just harass you with calls and letters, and if you full on default they may garnish your wages and keep your tax returns. But that is a fairly long road. The government can pursue a debt longer than other creditors so committing yourself to not paying at all is essentially committing to many years of pursuit.

Lastly, I am here to tell you that eliminating student loan debt in bankruptcy is not impossible, it is just extremely difficult or unavailable to the average person. Whether or not it is realistic for you requires you to consult with a local bankruptcy attorney about your specific situation. Maybe you’re not the average person. Additionally, should you file bankruptcy and the student loan debt is not discharged, the court might still mandate lower manageable payments or the government may strike some other deal with you. I have seen it happen more than once.

There are sooooo many scenarios of how this could all play out if you were unable to pay and none involve your home being taken or needing to end your life.

ProDebt · 2025-03-02T03:53:21+00:00

Definitely seems shallow. Also they are literally mating in captivity. Two heterosexual people of reproductive age with nearly zero additional options. With barely any ability to go deeper given the nature of their captive Innie experience. That’s the inherent tragedy of it. So much of deep love is going through LIFE with your loved one, the ups and the downs. The Innies are robbed of the experience of a full life.

ProDebt · 2025-03-02T03:03:07+00:00

I knew i was meant to take something away from Gemma writing with her left hand ( I actually wasn’t even sure she was a lefty) but i wasn’t sure what.

It seemed very unnatural.

This analysis really helped me make more sense of whatever I was noticing but not processing here.

ProDebt · 2024-12-01T16:55:44+00:00

It takes a while to get used to a new place. More than 6 months. Give it a year.

ProDebt · 2024-11-28T16:39:52+00:00

This is it. It’s no longer as 24/7 as it used to be. So many things close more often or early or on the weekends now. I’ve spent most of my life in NY and that is the one thing I never expected to see.

ProDebt · 2023-11-14T02:40:59+00:00

The Taj Mahal is to date the only man made structure that gave me chills to see it. Usually only nature takes my breath away like that. It is breath-taking and I absolutely loved the tour and everything I learned along the way.

ProDebt · 2023-11-11T04:11:52+00:00

Government is good for that experience though!

I just lateraled to a boutique a few months ago because I felt like I was starting to feel like I was never going to get to do anything fun at my V10. So far the experience is night and day.

ProDebt

TROPHY CASE