It gets better.
We made our final payment, garnished from my paycheck on Tuesday August 27. Today I was checking Pacer, as I seem to have a serious Pacer habit, and came across the latest thing filed August 30 called Release Of Employer. My employer is to cease garnishments and refund any monies they already have set aside for the Trustee.
My calculations say that the trustee has $9,066 of a $9,000 plan, so it looks like in the next month or so, we will be all done and even get $66 back. It's been tough. Our credit report had suffered thermonuclear explosion, but thanks to an old Fingerhut account that has been dormant for over 6 years, still showing up as positive with a zero balance all this time, my credit score is 644, according to credit Karma, which is listed as fair. Question is this, do I look at that as a good thing? I have a mortgage for a house I will die in, so what has credit done for me that would make me want that ugly beast again? The mortgage is through my Father-in-Law so unfortunately he is not reporting to the bureaus, so when the chapter 13 is done and off my credit file in 2017, Fingerhut would be the only thing keeping me from a zero score...
I hope ya'all got the party goods ordered, the party will be starting soon.
We made our final payment, garnished from my paycheck on Tuesday August 27. Today I was checking Pacer, as I seem to have a serious Pacer habit, and came across the latest thing filed August 30 called Release Of Employer. My employer is to cease garnishments and refund any monies they already have set aside for the Trustee.
My calculations say that the trustee has $9,066 of a $9,000 plan, so it looks like in the next month or so, we will be all done and even get $66 back. It's been tough. Our credit report had suffered thermonuclear explosion, but thanks to an old Fingerhut account that has been dormant for over 6 years, still showing up as positive with a zero balance all this time, my credit score is 644, according to credit Karma, which is listed as fair. Question is this, do I look at that as a good thing? I have a mortgage for a house I will die in, so what has credit done for me that would make me want that ugly beast again? The mortgage is through my Father-in-Law so unfortunately he is not reporting to the bureaus, so when the chapter 13 is done and off my credit file in 2017, Fingerhut would be the only thing keeping me from a zero score...
I hope ya'all got the party goods ordered, the party will be starting soon.
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