Thank you, flashoflight!
If my car wasn't 18 years old (in 2022) and didn't already have more 200K miles on it and is currently worth only $300 in 2021, I think fixing it up and keeping it running would make a lot of sense. As Zombie 13 mentioned, we have spent about $8,000 to keep both cars going since COVID-19 hit. Imagine having that 8K to put toward a car newer than a 2013 (my husband's vehicle)! Normally, everything you've said about BK13 is sound and reasonable, but we have been living through purgatory these last four and a half years , unlike most debtors.
The shock wave treatments to allow me to walk better and for a longer time will cost about $750. (Luckily we are able to save up HSA funds to pay for them.) A surgery (or two) would cost thousands, even with our met deductible.
Being able to work out as I once did is a financial privilege that only affluent locals are supposed to have, not a BK13 right. But like everything that happened since 4/26/16 (when my mother exited this world), all I can do is persevere and hope once this miserable chapter of my life ends, I can wave bye, bye to Colorado and more than a decade of bad memories and soul-crushing disappointment.
I know you were able to refinance your home where you want to stay after BK13 finally ends for you. I hope your bankruptcy continues to go smoothly and your trustee continues to leave you alone!
If my car wasn't 18 years old (in 2022) and didn't already have more 200K miles on it and is currently worth only $300 in 2021, I think fixing it up and keeping it running would make a lot of sense. As Zombie 13 mentioned, we have spent about $8,000 to keep both cars going since COVID-19 hit. Imagine having that 8K to put toward a car newer than a 2013 (my husband's vehicle)! Normally, everything you've said about BK13 is sound and reasonable, but we have been living through purgatory these last four and a half years , unlike most debtors.
The shock wave treatments to allow me to walk better and for a longer time will cost about $750. (Luckily we are able to save up HSA funds to pay for them.) A surgery (or two) would cost thousands, even with our met deductible.
Being able to work out as I once did is a financial privilege that only affluent locals are supposed to have, not a BK13 right. But like everything that happened since 4/26/16 (when my mother exited this world), all I can do is persevere and hope once this miserable chapter of my life ends, I can wave bye, bye to Colorado and more than a decade of bad memories and soul-crushing disappointment.
I know you were able to refinance your home where you want to stay after BK13 finally ends for you. I hope your bankruptcy continues to go smoothly and your trustee continues to leave you alone!
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