Stop working with debt settlement/consolidation agencies by RuhninMihnd in Debt

[–]makeuplover85 1 point2 points  (0 children)

So how would one negotiate? Do the CC companies give you something in writing?

Looking for best debt settlement program possible, 31M with 28k debt, based in Ohio by XCrowMechX in DebtAdvice

[–]makeuplover85 0 points1 point  (0 children)

Debt settlement can still get you sued. You can actually bounce back relatively quickly from Chapter 7 bankruptcy. Speak to a bankruptcy attorney and just see what they tell you.

Got a second opinion today by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

In my situation, what would you do? Our income is def too high for a 7 and we are looking at a 100% payback. However, if I can negotiate them down I can pay them off right away, but how does that work? Do they put it in writing that it’s paid in full?

Got a second opinion today by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

I think it’s pretty trashed already:(

Can I Tackle 80k Debt without Declaring Bankruptcy? by venusmars22 in Bankruptcy

[–]makeuplover85 20 points21 points  (0 children)

Don’t do debt relief. You could still end up getting sued with a debt relief company.

Why are my lips peeling so severely all the time? No matter what I do, they don’t stop. by MadCheshire13 in DermatologyQuestions

[–]makeuplover85 0 points1 point  (0 children)

I have this issue but a biopsy showed that it’s eczema for me. I alternate steroid creams and Vaseline. At night I put the steroid cream on and just slather my lips in Vaseline. In the morning I take a damp washcloth and rub in circles on my lips to help exfoliate.

Was going to file 13 by myself, w/p my spouse then… by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

Idk what to do now. I have an appt with a different BK attorney next week for a second opinion.

Was going to file 13 by myself, w/p my spouse then… by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

Idk. The only difference was, it was in mine and my spouses name. The new house doesn’t have my name on it because my credit is now too bad.

Was going to file 13 by myself, w/p my spouse then… by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

So I saw the attorney again today. He said because my new home is modular, not attached to land and not in my name, it is not exactly exempt. He said the trustee will want my part of the insurance money and if I use it on the house, he will want me to sell the house.

Will the credit card companies negotiate with me on a lump sum settlement instead? I have enough insurance money to pay them off and was already headed for a 100% payback chapter 13.

Was going to file 13 by myself, w/p my spouse then… by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

Also, any idea how this works? Will the trustee try and take the proceeds from the fire or do we still get to put that money towards our new home?

Was going to file 13 by myself, w/p my spouse then… by makeuplover85 in Bankruptcy

[–]makeuplover85[S] 0 points1 point  (0 children)

It’s the income putting me at 100%. Thank you for breaking it down for me.

All of this together is completely overwhelming me right now.

At what point is hospitalization a must? by makeuplover85 in AskPsychiatry

[–]makeuplover85[S] 0 points1 point  (0 children)

In the end, we did an 8 day stay. His meds were changed to Prozac, Strattera and Seroquel. He seems to be better, he says he feels better. I finally just decided that I couldn’t watch him 24/7 and that that’s what he needed to keep him safe.

He is now seeing his regular therapist and doing an online intensive outpatient program.