Hi all, I hope I have the discipline to keep this up and hope that somewhere down the road this info helps someone out! Until then, I guess it's just cheap therapy. I posted this in the forums for response, but wanted to post here for background. Our History: blah blah blah real estate blah blah houses blah blah job blah blah stupid credit card mistakes - not to make light of it, but I'm trying to shift my focus lol.

Last month we relocated from CA to WA for DH's job - looks like a good move so far and feels like a fresh start!

We are over the median in WA, but pass the means test by about -650/mo - I did not use the mortgage pymts in that calculation - Sched I/J comes out about -$200/mo unless my new job really takes off, I won't be able to start working until mid-Feb as I have to get licensed here - my understanding is that we still get to use the CA exemptions? My current plan is to file 6/09 - allowing a full 12 mos for cc use and 6 mos for DH's OT to fall off the books - hopefully we will fit Ch7.

Secured debt:
2 houses - total debt about 906k, not including delinquent amts, est value about 750K?? down from apprsd value of 1.1 mil combined- how can you not laugh at that? letting them go

Vehicles:
08 economy car- financed, low payment, no equity keeping (got out of a lease for a luxury car and replaced it with this) - keeping
93 small truck - fits in exemption amt - we sold a paid for truck in 6/08 for 15k and spent 3k to buy the "new one" and used the rest to pay for school for me and DD, and monthly budget til I got through school and started working in my new field - keeping
96 junker - deeding to daughter in Dec - will claim the value under my Homestead exemption so it doesn't look like I'm hiding assets

Student loan, about 4k keeping lol

Boat loan 4.7k @ 9% (took this out in 6/08 from a friend to pay for me to go to technical school this summer, have a promissory note and records of payments by check) - secured by 2 boats valued at about 5k total, which was the original note amount - will reaffirm - what a great friend!

10 unsecured cards -approx 174k as if right now- racked up over the past few years, building the second house and trying to stay afloat til the economy (my job) bounced back - many balance transfers to keep low APR's and living. The balances are now going up more than 3k every month from the interest & fees - we are making small payments to each one every month, hoping that will keep them from suing til we're ready to BK.

Juniper 10.4k - last full pymt 5/08
Citi 21k - last full pymt 7/08
BofA 2.2k
BofA 23.6k - last full pymt 6/08
BofA 13.1k - last full pymt 6/08
BofA 37.6k - sweep accout, only small purchases since opening about 3 yrs ago
Citi 10.3k - last full pymt 4/08 (May's missed payment was the oops on a payment that caused all APR's to go on the rise)
Discover 11.1k -last full pymt 5/08
GM (HSBC) 13k - last full pymt 7/08
WAMU 31.6k - long time balance, was at 1.9% til paid off, so I never did...sucker!

To make things even more fun, I just found out we are getting a huge tax refund. I plan to incorporate it into our normal monthly budget (I just adjusted it to the allowances in BK), and hope to cover any remaining amount at filing with our exemptions, or just let the Trustee take it.

Well, that's it in a nutshell anyway.