Chapter 13 Discharged ... But It's Still Not Over ...

[lrprn]

FH, I have been sitting here reading your post and literally cheering OUT LOUD!! I can't imagine how sweet it was to watch the bk judge say all those things to that jerk sleazeball of an attorney.

Sweet.....very, very sweet! Thank you so much for letting us enjoy this moment with you!

It's not the "end" that I wanted ... but it's a small peek at what the end might be. I almost cried sitting there at the thought that ... you know ... they WERE wrong. So far so good, my friends ... we're not in the end zone yet. But ... I think we're headed in that direction.

Yessiree....your old credit union is going to pay through the nose for this arrogant mistake. God, this feels good just hearing about it - I can't imagine how GOOD it must feel to you! You have been vindicated, FH - there is some goodness left in the world!

[Boscoe]

FH - excellent job....I don't think we'll be hearing from bowwow or any of those yahoos that doubted your case anymore!

I hope you get everything you deserve! Looking forward to hearing about it in November!

[arkienurse]

FH - excellent job....I don't think we'll be hearing from bowwow or any of those yahoos that doubted your case anymore!

I second Boscoe's feelings. Hopefully Bowwow has slunk back over to the AOL boards and will stay there.

[lrprn]

I second Boscoe's feelings. Hopefully Bowwow has slunk back over to the AOL boards and will stay there.

heh heh....Did you notice that you haven't seen bowwow on the forums since those mean posts and that the posts are gone? Moderator magic....poof!....now you see him....now you don't.....

[Granny]

heh heh....Did you notice that you haven't seen bowwow on the forums since those mean posts and that the posts are gone? Moderator magic....poof!....now you see him....now you don't.....

I love our moderators!!! They are

[EndInSight]

More popcorn please............

This thread has me jumping up and yelling.........HEEHAW!!
You go girl!

judy

[Boscoe]

Yes, lrprn, great job taking care of that bow wow problem.

We enjoy interesting and insightful posts, but when people think they are lawyers and don't know what they are talking about, it needs to be called out.

I am looking forward for the positive conclusion to this story!

[MajorMike]

wow!! This is a great thread!!! I'm pulling for you and can't wait until you nail those idiots!!!

[$$only4ever]

FH,

I am so glad that things went well in court. I really liked the part when the judge strongly urged Mr Weasel Attorney to settle this out of court. Hello......she advised him that she was going to nail the CU if this case went to trial. I guess he should go back to the CU and say, "I am sorry that I am going to lose this case for you, but it is not my fault, I am an incompetent and stupid lawyer." Hee, hee...What goes around always comes around.

[FeelingHopeless]

First off, thank you so much lrprn for being such a great moderator.

Second ... you guys are so incredibly supportive. Thank you for all the kind words! My hands were shaking walking into that count room yesterday ... and when I left I had this sense of awe. It was like, "See ... they WERE wrong ... I wasn't crazy!"

In any case ... I talked to my admin tech today. There's no easy way to get a break down of the phone calls made on any certain day. Years ago, we each had our own line ... and each month the admin tech would receive a large report that listed every call made from every extension. They monitored the report each month to ensure employees weren't making personal long distance phone calls.

Unforunately, we changed systems about seven years ago. These days, when you pick up the phone and hit the button for an outside line, you access a pool of empty lines. So, it's not as though we could just look up the phone calls made from my extension. Even still ... since I know the date, the approximate time, and the phone number I dialed ... it shouldn't be too hard to find that one call ... even on an enormous office-wide list.

Anyway ... I'm not going to worry about it. Should it come to that, I'm sure our attorney can request something be put together. In the meantime, I'm going to call our home provider soon and request a list of incoming calls ... that way I can prove when they called us.

I don't even know if it will matter ... if they make us an offer, we may never use the phone records. But ... if it comes to me sitting in court arguging about whether I called them back in 12 hours or 24 hours or 48 hours ... I want some kind of HARD proof, you know?

I swear, I'm not happy unless I'm worrying over something! haha But it's okay ... baby steps ... at least we're going in the right direction.

Thanks, guys!!!

[JollyGG]

FH,

I am so glad that things went well in court. I really liked the part when the judge strongly urged Mr Weasel Attorney to settle this out of court. Hello......she advised him that she was going to nail the CU if this case went to trial. I guess he should go back to the CU and say, "I am sorry that I am going to lose this case for you, but it is not my fault, I am an incompetent and stupid lawyer." Hee, hee...What goes around always comes around.

I was thinking something similar about the lawyer. I was thinking he needed to go back and tell the CU that they needed to hire the right kind of lawyer. This one obviously had no clue about the bankruptcy system and what he was getting himself into to. He obviously isn't a creditor's rights law attny or if he is he is a lousy one.

[HeatherB]

I'm so happy...lol

Okay, Am I the only one living vicariously through FH.

I mean, following all the posts.... at first I felt disbelief, then relief, then joy (and actually almost cried tears of joy at the latest events - could be a hormonal thing, though.)

FH, oh, it would be so sweet to be able to sit in as a supporter at your next trial. I would almost feel as if I was at a live soap-opera recording. But this one is real life! Forget Jerry Springer! LOL

I'm so happy that the trial went this way. We all figured it would. I know the trial date seems like so far away to wait. Just think of it this way.... it gives more time for your lawyer and the CU lawyer to come to a settlement. I seriously doubt you will need to go to trial on this one. I think the CU will come up with a settlement. (if they know what is good for them).

Congrats. Pretty much sounds like you've already won your case.... only thing is that the total amount owed to you for damages, distress, etc is not set in stone.

[rrockinggramma]

FH, I don't think the phone records will matter much because your lawyer has their Fed Ex notice of reposession which was delivered during work hours etc. You might not need the phone records. Fed Ex has everything tracked and time dated etc so that will help the timeline if it is called into question. And I bet the CU does offer a settlement but maybe like 1000.00 You will go to trial for this one and win big. I would reconstruct a diary of events and approximate time logs etc so you are clear on the facts if you testify. Being on the stand causes jitters and it is easy to forget details that could be important. I think in the end, you will get at least 25 K. CU need to understand that they are not above the law. LOLOL

Good luck! can't wait to hear more about this!

[dscurlock]

FH - Don't even give these people the satisfaction of responding anymore. They know not of what they speak. Just focus on tomorrow when things will become clearer.......best of luck. The other 99% of us are pulling for you and want to see justice served......and I know we will.

I thought "no personal attacks" was a requirement of this forum. Moderators - please feel free to jump in and give everyone the reminder. It is pretty insulting to FH and others when uninformed people attack without having their facts straight.

personal attack, dont care less, uninformed, hardly,,
he/she wanted a reliable vehicle, so he got a 2004 that probably had 70,000-90,000 miles at a price of $16,000 - the car is barely worth a few grand at best,...thats just common
sence....this was his bad decision, I was just wondering
why he made it... he/she already admited fron the start that she did not care at first about the van, why would anyone think any different, they did not care about what they bought,
at best, just one day after repo.

how you want to take my statements is up to you,
i could care less. I was just stating the obvious that
everyone else is afraid to say, maybe in fear of
being insulted...

it was no intention to insult anyone, but anyone with eyes
could see the fact they screwed you, that fact is clear...
and you keep saying I needed something reliable, how
is a used 2004 vehicle with miles reliable? and you do not
have to explain it to me, I dont care, I was just stating the obvious.
if you can not see that you overpaid for this vehicle, no problem.

and this is what i was wondering from the start, no need to get
pissy, or mad at me because you overpaid.

[FeelingHopeless]

Well, my hubby and I discussed that a long time last night. All things being equal, I'd rather take a settlement and be done with this thing. However, I think their attorney's "five hundred bucks" comment doesn't bode well for the settlement issue.

My only concern is this ... if he offers, let's say, $1,000 plus legal fees ... and we turn it down ... then I'm concerned it will look to the judge as though we're trying to be greedy. I mean, you know he's going to come back to court at that point and say, "Well, your honor, we triiiiiieeeed ... "

In any case, that's just a concern that I need to bring up with our attorney. His assistant just called me a few minutes ago. They want to have a pow-wow and go over our game plan.

He explained that, although we've got a long time to go before the actual court date, they want to sit down and talk about damages and what we expect versus what we would settle for ... so that, if they DO make an offer, we'll all be on the same page. He apologized ... he said he knew I'd told him the story and John the story and just about *everybody* the story ... but they would want to go over it again. And ... I said that'd be fine. I'm thinking rrockinggramma is right ... I need to make notes on dates and times and such. Luckily, I've been posting on this thread right here since the moment that train jumped the track ... so reconstructing everything won't be hard.

They're thinking October 8th ... but I need to get together with the hubster and find out if that works for him too ... I should have more to share shortly.