Hello everyone,
I have been lurking for about 2 months now and just want to say that I have learned so much about this entire process from you wonderful people so thank you from me and husband from the bottom of our hearts.
I have quickly learned that bk is a taboo subject and since I am such a talker, it's hard to keep my comments and thoughts to myself - but I am learning. It's great to find a community of people who have walked the path we are about to embark on and to see that you can do so successfully.
Long story short, DH and I find ourselves needing file bk. We are pretty sure it will be a 13 but our wonderful attorney is investigating whether we can qualify for a 7, we'll see. Thanks to this site, we have been able to do some pre-bk planning and put some strategies in place such as purchasing a new vehicle before our credit totally tanks. We were surprised and quite pleased that we qualified for 1.9% interest on a 2009 vehicle so we will not have to worry about that for five years.
I do have a quick question. We received a letter in the mail from AmEx regarding our account. We owe about $20,000 and when we first fell behind I asked them for help and it was a no go. Now all of a sudden after 2 months of no payments they want to restore our original low interest rate, waive late fees and work out a payment plan to bring us current so that we can continue to use the card. I haven't spoken with our attorney yet though about this latest development. Is this common to get these offers from creditors?
Anyway, I'll end now. I look forward to getting to know you all. Take care!!!
I have been lurking for about 2 months now and just want to say that I have learned so much about this entire process from you wonderful people so thank you from me and husband from the bottom of our hearts.
I have quickly learned that bk is a taboo subject and since I am such a talker, it's hard to keep my comments and thoughts to myself - but I am learning. It's great to find a community of people who have walked the path we are about to embark on and to see that you can do so successfully.
Long story short, DH and I find ourselves needing file bk. We are pretty sure it will be a 13 but our wonderful attorney is investigating whether we can qualify for a 7, we'll see. Thanks to this site, we have been able to do some pre-bk planning and put some strategies in place such as purchasing a new vehicle before our credit totally tanks. We were surprised and quite pleased that we qualified for 1.9% interest on a 2009 vehicle so we will not have to worry about that for five years.
I do have a quick question. We received a letter in the mail from AmEx regarding our account. We owe about $20,000 and when we first fell behind I asked them for help and it was a no go. Now all of a sudden after 2 months of no payments they want to restore our original low interest rate, waive late fees and work out a payment plan to bring us current so that we can continue to use the card. I haven't spoken with our attorney yet though about this latest development. Is this common to get these offers from creditors?
Anyway, I'll end now. I look forward to getting to know you all. Take care!!!
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