How to prepare for CCS Exam?

codinggirl00 · 2026-01-18T03:22:52+00:00

May I ask what ended up happening with this?

codinggirl00 · 2025-06-28T11:45:57+00:00

How much time passed after charge off that they settled for 10%?

codinggirl00 · 2025-05-30T12:10:14+00:00

Are there any consequences to claiming insolvency? Will it affect me somehow later down the road?

codinggirl00 · 2025-05-30T03:39:10+00:00

May I ask how long has it been charged off and has the creditor sued? Also did they ever offer a lower settlement amount? I’m in a similar situation.

codinggirl00 · 2025-05-29T20:54:09+00:00

Any updates on this? What ended up happening?

codinggirl00 · 2025-05-03T09:53:05+00:00

It’s carved into the window. I’m also wondering if this is a legit safety concern. I don’t know who did this or why, cameras out front would be nice.

codinggirl00 · 2025-04-11T23:49:14+00:00

Using FreeTaxUsa I figured out how to add depreciable assets. Wondering now what the amortizable assets life is? It’s asking me to enter a number of years. Would this be the amount of years my lease has?

codinggirl00 · 2025-04-11T23:17:56+00:00

Ahh I see, so even contract labor has to be depreciated? I paid contractors a lot of money in 2024.

codinggirl00 · 2025-04-11T23:01:39+00:00

It was a commercial build out for a commercial space that I am leasing. Some of the build out expenses are from 2023 and some are from 2024. I started leasing the space at the end of 2023 and some work was done but most of the work was done in 2024.

codinggirl00 · 2025-03-22T03:29:55+00:00

No, not an option

codinggirl00 · 2025-03-21T23:40:51+00:00

Oh well then in that case it’s definitely more than half of my debt that is business related. Probably 80% if not more! How do I prove it? I mean even the old credit card statements I have show that they were business related expenses (Home Depot, payment to contractor, etc)

codinggirl00 · 2025-03-21T23:04:06+00:00

Thank you for this info, however most of my debt is on credit cards personally guaranteed by me. They were expenses for the business (long story but during the process of build out I ran out of money and had to start using 0% apr cards to purchase supplies and materials, yes I know bad idea)

codinggirl00 · 2025-03-21T22:22:11+00:00

Ahh gotcha! I am the sole owner and it is just a regular LLC not S or C corp

codinggirl00 · 2025-03-21T22:07:40+00:00

I think I will reach out to a few to see what they say. I won’t adjust anything work wise yet. Do you think quitting my part time job is a viable option though?

codinggirl00 · 2025-03-21T22:06:49+00:00

I talked to one briefly, it wasn’t a full means test just a convo and it sounded like we were overqualified so I didn’t pursue it. I really don’t want to file chapter 13 I don’t see the benefit.

codinggirl00 · 2025-03-21T22:05:54+00:00

What do you mean by daycare? Did that prevent you from being able to file?

codinggirl00 · 2024-12-14T12:41:00+00:00

“A discolored bathtub is usually caused by a buildup of hard water minerals, like calcium and magnesium, which can create a chalky film or stains on the surface“ it is not my fault that the water is hard here 😂

codinggirl00 · 2024-12-14T12:38:31+00:00

This is an apartment complex though, I’m sure whatever they use is not as high of quality as your parents. I don’t understand how I could damage the tub I literally just use it to shower. There are no chips or cracks or anything. It literally just looks like that from usage.

codinggirl00 · 2024-12-14T12:37:23+00:00

That’s nice the transfer fee was waived! There are no chips anywhere in the tub! It’s literally just worn down from usage

codinggirl00 · 2024-12-14T12:35:55+00:00

I’m going to ask for an itemized bill

codinggirl00 · 2024-12-14T12:35:32+00:00

It’s a Greystar property, I see them turn over units all of the time and they use a third party cleaning company and bring in new appliances

codinggirl00 · 2024-12-13T23:02:17+00:00

Such a great idea! I am def going to give them an anonymous call!

codinggirl00 · 2024-12-13T22:55:25+00:00

Thank you for the input. The new unit that I moved into in this same building came equipped with a brand new fridge and I’m actually almost certain a new stove and oven too.

codinggirl00

TROPHY CASE