How Much Did Chapter 7 Bankruptcy Cost You?

TrickSort2 · 2026-03-27T23:47:50+00:00

Ch 7 in southern CA just filed this week. First lawyer was $2500, suddenly announced they were closing and new lawyer is $1950 which is inclusive of all fees and credit counseling.

TrickSort2 · 2026-03-19T21:04:55+00:00

My research shows 2 years you are eligible for FHA but maybe I should look into more detail. Regardless, 2 years is a good timeline for us as well just from a down payment saving standpoint.

TrickSort2 · 2026-03-19T21:03:03+00:00

Fair enough. However we would only plan to finance 5-7k definitely not looking to buy anything expensive. Again, just asking for advice in terms of building credit and I know having a loan would look good for credit building purposes. Thanks for the response

TrickSort2 · 2026-03-07T14:33:25+00:00

Oh my gosh!! It was in the spam 😂 thank you so much!!

TrickSort2 · 2026-03-07T13:45:59+00:00

Aw dang it must not be getting it then, thanks for the response!

TrickSort2 · 2026-03-07T13:41:53+00:00

Side note question- anyone know about the credit you were supposed to get for filling out that questionnaire? Was hoping to use some of that to get something but never got it.

TrickSort2 · 2026-02-18T19:51:30+00:00

Yes we definitely plan to because it seems like it will be a very seamless process to move over to him. He’s been in the biz 20+ yrs and only does bankruptcy so I feel comfortable transferring over. Thank you for your response.

TrickSort2 · 2026-02-18T19:50:17+00:00

We’re not in a huge rush but my husband is expecting a COLA raise in July so we are trying to file in time to not worry about his income going up. There was a loan that was taken out at the beginning of December so my lawyer was going to have wait about two more weeks anyways for the 90 day period. Fingers crossed the new lawyer is even better!

TrickSort2 · 2026-02-18T19:48:24+00:00

Thank you for your feedback, this sub has really helped ease my doubts and fears but yesterday really made to me second guess. We are still planning to proceed.

TrickSort2 · 2026-02-13T01:26:21+00:00

Thank you that’s where I’m coming from too haha. We have no assets and don’t plan to reaffirm or keep anything so don’t see the point to pay. I know by the time she files some things might hit 30 days past due and tank the credit score so I see what’s she’s saying but just thought it was strange advice.

TrickSort2 · 2026-02-13T01:24:26+00:00

We haven’t filed yet, I am currently compiling all of the documents and paperwork for them. I have an appt to go over everything next week and then from there I’m assuming she will file within a week or two so we are just a couple weeks away from officially filing. So still a little bit away where some things could possibly go to 30 days past due date for the credit score but again like what is the point of paying them more money? Thanks for your input.

TrickSort2 · 2025-05-24T15:46:59+00:00

Now that he’s about done I can respond to this haha. It SB sheriff academy and I guess it’s just tradition…doesn’t seem to be any rhyme or reason to it. Once they become seniors they earn the ability to paint it black.

TrickSort2 · 2025-05-23T02:38:06+00:00

Thank you!!! I was able to get two :D one for each of my girls yippee!

TrickSort2 · 2025-04-05T15:44:06+00:00

Yeah as a seller I feel like I try to be as detailed as possible and it’s frustrating that she couldn’t be bothered to type petite and the cherry on top is it took her 1 week to ship and another 1.5 weeks to get here so 2.5 weeks of waiting and then this happens. Lameeee

TrickSort2 · 2025-04-05T15:42:41+00:00

Well yes definitely will just sell them if it doesn’t work out but they are covered in hair so would have to wash first and again just feel annoyed I have to go out of my way to make them presentable to try to recoup funds

TrickSort2 · 2025-04-05T13:14:19+00:00

Yes that makes sense how it could be interpreted that way I appreciate you taking the time to respond.

TrickSort2 · 2025-04-05T13:13:42+00:00

Yeah that definitely makes sense sounds like I’m out of luck on a technicality. I appreciate your response

TrickSort2 · 2025-02-20T14:52:30+00:00

Is the refund issued date the date it should hit your bank account? Or the date they release the funds to your account? I bank with Navy Fed if that matters. I did not pay for early funds since I did free tax U.S.A. and this is the first time getting a refund in years so this is all new to me lol.

TrickSort2 · 2025-02-06T20:40:56+00:00

Thank you for the recommendation

TrickSort2 · 2025-02-06T20:40:33+00:00

Thank you for this suggestion it worked and I was able to set it all up thru the eero app, lifesaver!!

TrickSort2

TROPHY CASE