For those who know my car saga here we go again.
We had one car die and my husband and I shared a car for a while. Then my adult daughter bought herself a car and we took back the one she was driving and then we each had a car. We knew the tires were bad and the brakes were bad. We started car sharing again. The car sat in the driveway until we had enough cash that we figured would pay for brakes and tires.
Took the car in for brakes and tires and guess what. A fatal diagnosis. It has so many other things wrong, the tie rods are rusting, it's not just brakes it is the hydraulic ABS system in addition to the actual brakes, the exhaust system and I a few other things I don't remember off the top of my head. The car has too much to be repaired. The ABS repair would be almost $3,000 alone.
I called the attorney to see what our options were. The good news is that we could probably get approval to add a new car to our plan. The bad news is that we still owe about a year on this car and when this car is paid off that amount $227 goes into the BK plan. This means we will have an additional car payment, basically in real dollars it will be like paying 3 car payments per month.
In order to get approval from the court we have to write a letter saying how we can afford this, including a budget and recent paystubs. We have to go to dealerships and get "preapproved" (my words not the courts), but we need documentation to show that we can get a loan through the dealership and make sure we can really get approved.
I don't know what this meant exactly because the attorney's office said that we are committed to the plan have to make the payments to the car and then after the loan is up that amount to trustee that cannot be changed. Then they said that we could trade in this car which to me means it would be "sold" somehow. With my previous car before BK we had to roll the remaining loan into the new car loan. Is that something that we would have to do if it was "traded in" which I am sure would be for much less than what we owe. We owe $227 x at least 12 months at this point.
I am not sure what to do since I know that car sharing would be terrible for the next 2 yrs and 3 months. It is taking a lot out of me since I have to drive him sometimes getting up at 4 a.m. and then I come home and get ready for work, sometimes he works late. He does not have a steady schedule it's different every week. I have to plan everything around his work schedule and then he gets mad if I pick him up "late" even though he says he understands it's hard on me. His co-workers give him a hard time that he doesn't have a car and several of the coworkers are single people who live at home with parents even though they are plenty old enough to be out of the house--like in their 40's.
We shouldn't be, but we are helping our adult daughter a little financially which I will have to definitely cut back, but I don't think I can cut out totally. She had a pay cut during this time of covid, but she is still working from home. I already told her that I will have to cut back.
I "lost" my second job due to the covid restrictions. My husband had some overtime, but I doubt it was the same amount I had made. I expect income to be slightly less. His overtime stopped around Thanksgiving.
I am still on payroll at the second job and have kept in touch. I hope 14 days after Jan 20th I will be able to go back to that job. That is when my vaccine will be effective. They called last week, but I declined as I have been exposed to Covid on my job with coworkers as well as patients before they were diagnosed. We wear masks and shields, but they are not 100% fool proof. I have co-workers who are not cautious in their personal lives and are half way cautious around coworkers which is why I always wear the face shield with my mask when talking to them. They do take full precaution with patients which is about the only good thing I can say. We have a significant outbreak since early Dec at the nursing home and I hate it because I think most of it is due to people not taking precautions on their off time.
With the vaccination I will feel comfortable going to two different nursing homes I hope they have enough work. Medicare is making some cuts.
On my full time job we are getting a 2% pay cut which I am thankful since some workplaces are cutting up to 10%. A friend's spouse had an 8% cut.
I can't take the second job income for granted and I knew that going into BK, but of course they count it as regular pay. I enjoy my second job it's a nicer workplace and no politics I can go in and work and focus on patient care and it helps me keep up my skills and learn more compared to my full time job.
For now I will make a budget and research options for buying a car. The dealership we have dealt with for almost 20 yrs had info for "bad credit" in fine print on their website. I hope that means they work with Chapter 13 because I know it's a decent place.
The money that would have repaired my husbands car will go into repairing my car since I never replaced my tires last year and they are long over due. I suspect based on mileage and occasional brake squeaking after it rains that I will need brakes soon. It's a 2017 with about 54,000 miles on it. From my internet research it needs brakes around 50,000 miles maybe a little longer if you are not heavy on the brakes which I am not. In the past I had service people surprised how long my brakes lasted.
First priority to make sure our "good" and now only car is in top shape and start the research on what we can afford and what's available to us and then submit to court which can take at least 60 days from the time it is introduced to court.
Husband and I will be dealing with this for a while. I think that I will have to talk him into taking Uber rides home maybe twice a week. That will be around $30 a week, but it will help my sanity. It's amazing how tiring it is to drive him and then I also go to work and leave work take him home and return to work. It's gas, mileage as well as my mental and even physical health. I am glad my job allows me to do this.
We had one car die and my husband and I shared a car for a while. Then my adult daughter bought herself a car and we took back the one she was driving and then we each had a car. We knew the tires were bad and the brakes were bad. We started car sharing again. The car sat in the driveway until we had enough cash that we figured would pay for brakes and tires.
Took the car in for brakes and tires and guess what. A fatal diagnosis. It has so many other things wrong, the tie rods are rusting, it's not just brakes it is the hydraulic ABS system in addition to the actual brakes, the exhaust system and I a few other things I don't remember off the top of my head. The car has too much to be repaired. The ABS repair would be almost $3,000 alone.
I called the attorney to see what our options were. The good news is that we could probably get approval to add a new car to our plan. The bad news is that we still owe about a year on this car and when this car is paid off that amount $227 goes into the BK plan. This means we will have an additional car payment, basically in real dollars it will be like paying 3 car payments per month.
In order to get approval from the court we have to write a letter saying how we can afford this, including a budget and recent paystubs. We have to go to dealerships and get "preapproved" (my words not the courts), but we need documentation to show that we can get a loan through the dealership and make sure we can really get approved.
I don't know what this meant exactly because the attorney's office said that we are committed to the plan have to make the payments to the car and then after the loan is up that amount to trustee that cannot be changed. Then they said that we could trade in this car which to me means it would be "sold" somehow. With my previous car before BK we had to roll the remaining loan into the new car loan. Is that something that we would have to do if it was "traded in" which I am sure would be for much less than what we owe. We owe $227 x at least 12 months at this point.
I am not sure what to do since I know that car sharing would be terrible for the next 2 yrs and 3 months. It is taking a lot out of me since I have to drive him sometimes getting up at 4 a.m. and then I come home and get ready for work, sometimes he works late. He does not have a steady schedule it's different every week. I have to plan everything around his work schedule and then he gets mad if I pick him up "late" even though he says he understands it's hard on me. His co-workers give him a hard time that he doesn't have a car and several of the coworkers are single people who live at home with parents even though they are plenty old enough to be out of the house--like in their 40's.
We shouldn't be, but we are helping our adult daughter a little financially which I will have to definitely cut back, but I don't think I can cut out totally. She had a pay cut during this time of covid, but she is still working from home. I already told her that I will have to cut back.
I "lost" my second job due to the covid restrictions. My husband had some overtime, but I doubt it was the same amount I had made. I expect income to be slightly less. His overtime stopped around Thanksgiving.
I am still on payroll at the second job and have kept in touch. I hope 14 days after Jan 20th I will be able to go back to that job. That is when my vaccine will be effective. They called last week, but I declined as I have been exposed to Covid on my job with coworkers as well as patients before they were diagnosed. We wear masks and shields, but they are not 100% fool proof. I have co-workers who are not cautious in their personal lives and are half way cautious around coworkers which is why I always wear the face shield with my mask when talking to them. They do take full precaution with patients which is about the only good thing I can say. We have a significant outbreak since early Dec at the nursing home and I hate it because I think most of it is due to people not taking precautions on their off time.
With the vaccination I will feel comfortable going to two different nursing homes I hope they have enough work. Medicare is making some cuts.
On my full time job we are getting a 2% pay cut which I am thankful since some workplaces are cutting up to 10%. A friend's spouse had an 8% cut.
I can't take the second job income for granted and I knew that going into BK, but of course they count it as regular pay. I enjoy my second job it's a nicer workplace and no politics I can go in and work and focus on patient care and it helps me keep up my skills and learn more compared to my full time job.
For now I will make a budget and research options for buying a car. The dealership we have dealt with for almost 20 yrs had info for "bad credit" in fine print on their website. I hope that means they work with Chapter 13 because I know it's a decent place.
The money that would have repaired my husbands car will go into repairing my car since I never replaced my tires last year and they are long over due. I suspect based on mileage and occasional brake squeaking after it rains that I will need brakes soon. It's a 2017 with about 54,000 miles on it. From my internet research it needs brakes around 50,000 miles maybe a little longer if you are not heavy on the brakes which I am not. In the past I had service people surprised how long my brakes lasted.
First priority to make sure our "good" and now only car is in top shape and start the research on what we can afford and what's available to us and then submit to court which can take at least 60 days from the time it is introduced to court.
Husband and I will be dealing with this for a while. I think that I will have to talk him into taking Uber rides home maybe twice a week. That will be around $30 a week, but it will help my sanity. It's amazing how tiring it is to drive him and then I also go to work and leave work take him home and return to work. It's gas, mileage as well as my mental and even physical health. I am glad my job allows me to do this.
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