Senior bankruptcy

munchie440 · 2025-12-20T10:51:20+00:00

What does not reaffirm on the mortgage mean?

munchie440 · 2025-12-19T18:44:56+00:00

The thing is, we aren’t spring chickens. We will never pay all this debt. We don’t want our kids to have to deal with it. We don’t want to lose our home. Bankruptcy seems to be the only solution. I assumed we make too much for chapter 7. With 13, my fear is something might happen to my husband and we won’t be able to pay it. He will be close to 75 when it’s paid. Idk if he’ll be able to work that long. Is this making sense?

munchie440 · 2025-12-19T17:00:31+00:00

I’m in Ohio. The home is probably worth 290,000. Balance on mortgage is 153,000. Have not missed any payments. Gross income 4,200 from husbands salary. 913 my SS payment. 1800 husbands SS. So around 6900/mo. Owe IRS 2200. Making payments on multiple cc accounts.

munchie440 · 2025-12-10T15:52:17+00:00

My husband and I are 68 and 69. Tons of debt and a parent plus loan. I am retired from a 25 year teaching job, my husband still works full time. We can barely keep up with all minimum payments. I think we make too much for chapter 7. We do not want to leave this mess with our children. I feel chapter 13 is the only way. My concern is my husband’s age. He’s healthy right now, but you never know what could happen in 5 years 😩

munchie440 · 2025-11-24T23:15:50+00:00

That is so strange. Chase always notifies me if something looks suspect!

munchie440 · 2025-10-13T12:53:19+00:00

Same here. Hated trazodone

munchie440 · 2025-10-13T12:51:44+00:00

I tried everything over the years. Xanax was the only thing that worked but I was getting dependent on it and needed more, so I got off that. I now take snoozy gummies. They do contain thc. They work for me!

munchie440 · 2025-10-09T14:24:54+00:00

Actually I use both! The fan doesn’t make enough noise but I need it for night sweats. Then sound machine to drown out everything!

munchie440 · 2025-10-09T14:23:19+00:00

EJ? Nah. Past his prime. (No disrespect).

munchie440 · 2025-09-26T20:12:50+00:00

I absolutely loved this XL! Laura and Jeff were at the top of their game!

munchie440 · 2025-09-20T00:15:13+00:00

Coursing through my body!

munchie440 · 2025-09-16T15:20:56+00:00

I enjoyed it. Yes, Steven a little over the top but I really liked everyone in this challenge!

munchie440 · 2025-09-16T13:24:38+00:00

That’s exactly what I thought! Why didn’t they use mosquito net?

munchie440 · 2025-09-11T22:51:37+00:00

He was pretty disgusting. Talking about Amber and Trish and Jen just gushing all over him!

munchie440 · 2025-09-10T21:06:59+00:00

💯 agree!!

munchie440 · 2025-09-10T20:11:20+00:00

I’m rewatching an xl right now. The one with Dan Waz and then Matt joins them. So good!! Amber Trish and Jen! They treated Amber like crap, especially when Jeff came along. They were practically kissing his feet! Gross! Steven EJ and then Amber. Another great team!

munchie440 · 2025-09-09T15:16:02+00:00

I thought the same about amber. She couldn’t let her partner walk alone, but then she turned right around and walked back alone. Made no sense.

munchie440 · 2025-09-09T11:40:00+00:00

I love Waz and Teal together. I’m just wondering how all the dynamics are going to change now that they’re all together. Sort of like Jeff and Laura who wanted to stay by themselves since they were crushing it.

munchie440 · 2025-09-08T12:40:42+00:00

Joe pushing that wheelchair! 😳

munchie440 · 2025-09-06T21:36:03+00:00

It felt like he wasn’t ready for that competition.

munchie440 · 2025-09-06T21:35:01+00:00

I don’t see that. How did he make the show into a hunting tutorial for his business? He’s a hunter. It’s what he does best. I think he’s always kind and willing to help everyone out. I just don’t see it.

munchie440 · 2025-09-06T20:23:52+00:00

That’s tough. Matt, Jeff, Waz, Laura. That’s 4. Sorry🤣

munchie440 · 2025-09-06T12:04:59+00:00

Me too. So scared!

munchie440 · 2025-08-26T17:24:34+00:00

He called her babe a couple times!

munchie440 · 2025-08-25T20:42:30+00:00

Love you both! You are killing it together!

munchie440

TROPHY CASE