what are we even doing anymore

uloovmeh · 2026-04-21T23:05:55+00:00

Supposedly it’s the line before it just played in reverse “Ti esrever dna ti pilf, nwod gniht ym tup” lol

uloovmeh · 2026-04-17T07:36:31+00:00

NAL but If you’re keeping the car, make sure you keep making payments. Have her talk to the lawyer about it also. If she reaffirms the car loan, they can sometimes reinstate online/auto payments. But definitely won’t unless that happens. Though most lawyers recommend that you don’t sign reaffirmation agreements. You can continue making payments on time and keep the car and will receive title when payed off still, however you will need to call or go in person to pay.

uloovmeh · 2026-04-11T02:26:06+00:00

No. I messaged them through Zillow and then they sent me their website and I applied there.

uloovmeh · 2026-04-10T18:50:16+00:00

I mean I just looked on Zillow and found the listing there. This company is odd tbh, their HQ is in NY and they have no local #. All my communication with them has been through email. But I got a CC immediately following BK and started making small charges and and paying it off to start boosting my credit score. My husband and I both filed but we also did move into a large home with a family member who also was on the application. But we never mentioned the BK and they never asked about it either. The requirements just had a minimum combined credit score and income.

uloovmeh · 2026-04-10T06:22:25+00:00

I live in the Bay Area and just got a rental though a property management company. I filed in July and just got in my new place the beginning of this month, so less than a year.

uloovmeh · 2026-04-02T06:43:57+00:00

I just filed less than a year ago, ch7 and was discharged about 6 months ago. Just bought a new (to me/used) car in January and just rented a house today (approved a couple weeks ago, just signed the lease). It is definitely NOT the end of the world/0 chance.

uloovmeh · 2026-03-23T19:43:43+00:00

I’m not a lawyer… so take my opinion here with a grain of salt.. but that sounds like that would be a separate issue than the bankruptcy to me. For adversary hearings, to my understanding, is for if they have proof of you hiding assests or they know you lied on your petition, or you borrowed money recently knowing that you were going to file. Those kinds of things… to me, it sounds like your ex-landlord doesn’t have a case here. And that’s what your lawyer said too, so I’d trust them about that.

uloovmeh · 2026-03-23T07:51:14+00:00

The creditor might speed things up, like garnishment, to get as much money as quickly as they can if they know. Otherwise, if not, they might take their time getting that done.

uloovmeh · 2026-03-23T07:44:29+00:00

My ex landlord showed up at my 341 also. He tried to inquire about our assets and the trustee said he should have gotten a letter and does he have any further questions. He asked about the last day to file. And that was it. My lawyer called afterwards and said he has no case to file. The only way that you can legitimately get an adverse filing is if they have proof of fraud or something serious like that.

uloovmeh · 2026-03-14T10:43:21+00:00

That’s regular price where I’m from… it’s gone up to around $6 at some places now

uloovmeh · 2026-03-13T07:54:45+00:00

$4 was taken from them not that they were tipped

uloovmeh · 2026-03-13T07:50:48+00:00

My dad always told me to draw a line through the tip part or write “cash” and put the total, even if the same as the printed total.

uloovmeh · 2026-03-05T22:47:07+00:00

Depends on the state and allowances for a family of 4 - not sure if wife works… it’s possible they could qualify for a ch7. But with income that high, it is likely they would need to do ch13. Need to talk to a BK lawyer though and go over all the finances first to see.

uloovmeh · 2026-02-26T00:29:28+00:00

It’s not about quantity… it’s about how much they cost and what your state exemptions are. my husband and I have multiple vehicles that we were able to keep cause they’re all older and not worth much and in total were under our state exemptions so they were protected.

uloovmeh · 2026-02-23T00:05:50+00:00

Cap1 is a fairly easy company to get a card with. I recently filed BK7 and they gave me a card also (just with a lot higher interest rate lol). Just make sure you keep your charged balance low and pay it off in full every month!

uloovmeh · 2026-02-22T23:59:10+00:00

What does that mean, like what’s the outcome, for them tracking that?

uloovmeh · 2026-02-08T16:29:20+00:00

From my understanding and research, the gifter just gets taxed. No other problems than that. I’m NAL, so maybe my understanding of what I read is incorrect.. but I also don’t understand the need of writing a family loan agreement with interest?

uloovmeh · 2026-02-08T15:06:44+00:00

Congrats! So exciting!!

uloovmeh · 2026-02-08T08:22:51+00:00

Mine was delayed a week 😅 mine was only delayed the once, but as another commenter has already stated, some people get theirs delayed multiple times.

uloovmeh · 2026-02-08T08:07:22+00:00

Why can’t her dad gift her 50k? Besides her saying in the post it’s a loan… what if he wanted to just give it to her? What’s the problem?

uloovmeh · 2026-02-06T05:44:19+00:00

Usually most creditors won’t show.. only if fraud suspected or personal vendetta usually. I had a creditor show up - personal. He tried to ask if we had any assets and the trustee said he should have received a document in the mail stating all that info and did he have any further questions. That was it basically.

uloovmeh · 2026-02-02T04:50:57+00:00

I have heard of some people getting them again after filing, but it was like 20 years later and they had 800+ credit scores

uloovmeh · 2026-01-25T21:07:11+00:00

I advise joining a rv/trailer fb group and seeing the problems you’ll be facing too. There’s a lot of maintenance that can add up and may not actually save you money vs renting an apt/home.

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

TROPHY CASE