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

[Boscoe]

Another idiot post.

If you read any of these posts, FH is a "she".

lrprn, do your thing and take care of another problem.

This guy doesn't get it either. Those in attack mode are not welcome here. This is a forum to be supportive or don't bother showing up.

[FeelingHopeless]

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

Probably 70,000 - 90,000 miles, eh? Try just over 42,000. But more importantly ... lemme say this just one more time. The vehicle priced out. The CU would not give me a loan for $16,000 for a vehicle that was ... what did you say? Worth a couple thousand?

I'm sorry you disagree with my choice of vehicles ... but, luckily for you ... you aren't in my shoes. Let's sing this chorus just one more time ... I went out that morning and chose a vehicle that was a) reliable and b) affordable. And, quite frankly, Forrest ... that is all I have to say about that.

[Boscoe]

FH - he has to make a "reasonable offer", which would include the cost of your replacement vehicle and amounts to cover your inconvenience and emotional stress (both you and spouse). That is very subjective, but I really honestly don't see how less than $10k would cover it.

I personally would hold out for more, and then enjoy the guy getting carved up in front of the judge, but this is totally your call.

[chpxiii]

FH - probably October 8th. My birthday is Oct. 7th and it's on a Sunday. Unless your lawyer will meet with you on the weekend...

BTW, Boscoe is right. "Reasonable offer". $500 or ven $1,000 isn't reasonable. In the grand scheme of things, $1,000 is not that much money. Of course, when you don't have it, 1 grand may as well be 1 million, I've been there before. But seriously, you've spent far more than a grand...not including attorney fees. There's time, etc.

Oh, I told my boyfriend about what's going on and the result from yesterday. He said, "Good!" and that he hopes you're no longer at that credit union. So, you have another one rooting for ya!

[MajorMike]

$16,000 is NOT expensive by ANY means!!! I'm used to paying 35-40k for a car...and now probably would do 25-30...for a reliable car that would get me through the next 5 years. To buy a cheap car is stupid!!! This guy is obviously not reading the thread and even so, doesn't "get" what FH has been through. They REPO'D HER DAMN CAR AFTER SHE WAS DISCHARGED!!!!

[B12]

Wow, this mob mentality is scary.

"Sleazy lawyer"
"Nail the guy"
"Carve the guy up"
"Take care of this like you did the other"

FH, you have been wronged and I sincerely hope you are compensated. There is no justification that the CU can offer you for your anguish over this situation. I cannot even imagine how scared you were when they came to repossess the van.

They were wrong, the employee was not trained properly and unfortunately, she probably lost her job and was not given another chance. A mistake was made.

Their lawyer is fighting for the credit union just as our lawyers fight for us.

Barring circumstances outside one's control, we are all here because of a mistake we made.

Be glad the system is giving us another chance, and not persecuting us.

FH, I wish you all the best and hope it turns out to your satisfaction. You are the only one that can make that determination.

[lrprn]

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

In this case, one of our other moderators deserves all the credit as the official "bowwow exterminator"....we mods operate quietly but watch out for our bite!

[FeelingHopeless]

Hey everybody - just a quick update. I went in last night for a pre-trial meeting with our attorney. He basically just sat down and we went over from day one what happened ... from beginning (filing bankruptcy) to the end (us getting the van back). He was very friendly ... a nice surprise. haha He doesn't know if we'll get everything we ask for ... but he's ready to fight for it. We discussed what kind of offer they would need to make ... things like that.

But, the reason I'm writing ... I thought this might help other people who wind up going to court ... I asked him about the billing. I recently got a "late notice" from his billing people ... so before we left, I asked him how the money end of this worked ... specifically, did I need to write him a check ... or did we wait until the end.

He said, "No no no ... I don't need any money from you. Those statements are just to let you know what we're doing over here." I said, "Well, I got a late notice and I just don't want you to think I'm blowing you off." He said, "I'll talk to my people about the late notices ... nothing is done on your account until after the trial."

So that's my short story. He said we'll meet again one more time before the court date unless they offer us a settlement. I'll update you guys again after our next meeting ... or ... if we get an offer ...

HUGS

[lrprn]

Sounds like it was a very positive meeting, FH! Hang in there - looks like your case is progressing, even if it is at the typical "slow as molasses/watching paint dry" pace Thanks for the update!

[Boscoe]

FH - Do you have a date yet? You mentioned Nov 7 or 8, do you have an exact date yet, so us fans of this thread (and advocates of your position) will know about when to expect your good news?

He sounds like a good lawyer. He KNOWS he is going to collect ALL of his fees from the credit union, so he is not worried about collecting a dime from you personally. And he is understandably hedging his bets by not promising the sun, the moon and the stars....

I'm interested to know what he is thinking in terms of minimum settlement. But keep that to yourself, at least until after the trial is over or final settlement is made and is in writing.

That CU had better make a reasonable offer before the trial date, or that judge is going to be one p'd off individual! And if that happens, you will see heavy sanctions!

I still think that you will be compensated in full for that car you own now. Especially if those buffoons at the cu don't play ball before the 8th.....

[hansky]

This is a forum to be supportive or don't bother showing up.

I didn't realize in reading the introductory information or the forum rules that only responses that are "supportive" are allowed. I understood that this was for information exchange - "supportive" or otherwise. Friends and family are best for telling people only what they want to hear.

[hansky]

Hey everybody - just a quick update. I went in last night for a pre-trial meeting with our attorney. He basically just sat down and we went over from day one what happened ... from beginning (filing bankruptcy) to the end (us getting the van back). He was very friendly ... a nice surprise. haha He doesn't know if we'll get everything we ask for ... but he's ready to fight for it. We discussed what kind of offer they would need to make ... things like that.

But, the reason I'm writing ... I thought this might help other people who wind up going to court ... I asked him about the billing. I recently got a "late notice" from his billing people ... so before we left, I asked him how the money end of this worked ... specifically, did I need to write him a check ... or did we wait until the end.

He said, "No no no ... I don't need any money from you. Those statements are just to let you know what we're doing over here." I said, "Well, I got a late notice and I just don't want you to think I'm blowing you off." He said, "I'll talk to my people about the late notices ... nothing is done on your account until after the trial."

So that's my short story. He said we'll meet again one more time before the court date unless they offer us a settlement. I'll update you guys again after our next meeting ... or ... if we get an offer ...

HUGS

It is extremely negligent to not know exactly what your attorney is charging and how the fee is to be paid. It is a business relationship - not charity. There is a reason bar associations require written fee agreements in many, of not most, cases and a reason why malpractice insurers require them. Many disputes have arisen from vague fee arrangements.

[B12]

And....adults calling people names is a bit sophomoric.

[lrprn]

It is extremely negligent to not know exactly what your attorney is charging and how the fee is to be paid.

I see your judgmental approach hasn't changed one bit since you were here the last time and quit us in a huff, Hansky.

FH knows exactly what her lawyer is charging - his office sent her a bill - that's why she was asking about how to make the payment, not what the payment was. Next time read the whole post carefully before jumping to conclusions and calling someone negligient who isn't.

If this is a preview of what to expect from you again this time around, don't expect to stick around for long...

[hansky]

I see your judgmental approach hasn't changed one bit since you were here the last time and quit us in a huff, Hansky.

FH knows exactly what her lawyer is charging - his office sent her a bill - that's why she was asking about how to make the payment, not what the payment was. Next time read the whole post carefully before jumping to conclusions and calling someone negligient who isn't.

If this is a preview of what to expect from you again this time around, don't expect to stick around for long...

The posts clearly indicate -- in basic English -- that there is no firm understanding of the specific terms of payment. That is not even debatable to people with basic sense and an ability to read. If, as indicated in a prior post, you are more interested in pats on the back rather than facts, so be it. That explains how many people get into the situation they are in, and never change and why you need to project with the "quitting in a huff" nonsense when someone else obviously has a little -- actually, a lot -- more knowledge and insight. You certainly should be proud of the last comment - true character at work.