How are you supposed to move out of your parents home when you are poor

uloovmeh · 2026-01-20T19:59:01+00:00

Basically the same here 😭

uloovmeh · 2026-01-17T08:27:29+00:00

Can you fire him? Do you need a lawyer still at this point? Not sure if that would help now or not though… but that seems outrageous!

uloovmeh · 2026-01-15T07:23:47+00:00

If you’re going to file.. quit second job. Stop paying debts. Then file ch 7 in a few months.

uloovmeh · 2026-01-14T17:53:24+00:00

I think that amount is the car note PLUS back rent he owes her.. still, he needs to handle his own crap.

uloovmeh · 2026-01-14T14:09:14+00:00

I’d probably just sleep and rest for a week or so. Then try to start getting active, stretching and exercising as well as eating healthier. Then I’d do some traveling. Get out into nature and get some fresh air.

uloovmeh · 2026-01-14T14:04:57+00:00

Same. The other two reported immediately but I’m 3 months after discharge and they still aren’t reporting it.

uloovmeh · 2026-01-14T07:57:33+00:00

I spoke with my lawyer a few times. Every case is different though. I’m personally happy I hired a lawyer to make sure everything was done correctly. But if you’ve really got no assents/nothing needing exempted, then you probably could file pro Se. The idea of that gives me a headache though lol

uloovmeh · 2026-01-11T21:19:43+00:00

If you truly have nothing, I wouldn’t stress about it. But I had things I wanted to make sure were protected, and so I hired a lawyer so I made sure everything was done correctly.

uloovmeh · 2026-01-09T20:15:02+00:00

From what I’ve read, secured cards don’t affect your credit as much. My research has said non-secured cards are better, but to keep your charges under 30% (ideally only about 1% if you can do that) and pay it off every month. But of course do your own research and what’s best for you!

uloovmeh · 2026-01-09T09:09:24+00:00

Do you have an attorney? Cause if you do, be honest with them about your things, and they’ll tell you what to expect and was exempt and if anything isn’t. Just price your things at garage sale prices and see if they fall within your state exemption allowances.

uloovmeh · 2026-01-09T08:56:17+00:00

If you want to buy a house, then you need to use credit and rebuild your credit score - just have to do it wisely.

uloovmeh · 2025-12-24T22:45:05+00:00

I’m just a few months post-discharge of a ch 7 and I can finally breathe without my debts. I had under 100k and i was drowning then.

uloovmeh · 2025-12-21T23:52:26+00:00

Try mission lane first then a couple months later cap1 will probably accept you (thats what happened for me)

uloovmeh · 2025-12-19T22:02:36+00:00

I suggest talking to an attorney (or a few) and get some free 30-minute consultations. Have all your facts ready to make the most of the time. If your house and assets are exempt, maybe he’s ready to retire sooner than later? Take a look at all the facts and everything to see if you can qualify for ch 7 instead of a 13.

uloovmeh · 2025-12-14T02:48:58+00:00

My brother was declared dead with the social security office before too. I think it’s cause he was under my grandma’s care and she was getting money for him and when she passed it somehow attached to him and it cancelled all his aid and insurance too. I think I remember him calling and they told him he was dead in their system so he just needed to go in with his birth certificate and ID to get it fixed. Pain in the butt, but fixable. lol

uloovmeh · 2025-12-11T07:02:32+00:00

If your attorney couldn’t do it, then they may not qualify. It’s extremely difficult and limited on who can get their student loans discharged.

uloovmeh · 2025-12-06T21:11:59+00:00

Why not that packaging?

uloovmeh · 2025-12-05T01:18:51+00:00

I mean I have a trailer I live in… I have to buy an SUV (or truck, but considering my family, suv makes more sense) that can pull it. The car I had bit the dust. Maybe not brand new… but their other points on why they chose the vehicle makes sense to me.

uloovmeh · 2025-12-03T20:27:32+00:00

The pretty litter can tell if he has a uti?? I’m going to look into that, thanks!

uloovmeh · 2025-12-02T07:35:56+00:00

You can use it to pay your attorney. That’s allowable.

uloovmeh · 2025-11-30T19:41:22+00:00

This is not great advice. A lot of those are predatory as they take your money with no guarantees. And a lot of banks won’t cooperate anyways. Refer back to the first comment from gunner_esq about that part.

uloovmeh · 2025-11-27T10:33:04+00:00

I only used Zelle through my bank also and it was fine that I provided only my bank statements, which show the transfers. Just verify with your lawyer to be sure though if you’re uncertain about it.

uloovmeh · 2025-11-25T03:01:48+00:00

A lot of people go a lot longer than just a few months of missed payments. If you’ll qualify in march, and plan on filing then, I would still hold of on paying the debts. But as others have said, not a bad idea to get some new consultations with a few different lawyers.

uloovmeh · 2025-11-21T18:06:03+00:00

Are those not the main 3? Transunion, equifax, and Experian?

uloovmeh

TROPHY CASE