Being optimistic just doesn't pay. I try to see the silver lining when things blow up in my face, but sometimes having my little optimistic bubble popped so thoroughly (yet politely) just cuts me off at the knees.
Filed in October of 2010 for 60 months. I've had a car loan before, I know how long 5 years is. It's a long time, make no mistake. I've been following my case on the NDC page and watching the "amount owed" column become less and less. About a year ago all the unsecured debt read at "0" and my entire payment was going to the secured stuff. When I do the math, the secured accounts hit zero with February's payment, pretty much to the penny. I thought, "Wow - these attorney people really know how to calculate this stuff down to the nitty gritty!" I even called the Trustee's office several months ago and was told February was when the plan would (and I quote) "conclude." Lucky break..? Me..? I was walking on clouds...
Today, not so much. With four more predicted payments left, I called the Trustee's office again just to confirm what I had been told previously. I was told what I already knew - 60 months is 60 months. The non-secured guys just get more than their agreed-upon percentages. That is, of course, what I agreed to.
For my brothers and sisters who are in for 60 months: Five years is a long frigging time. I just passed three years and it feels like it's dragging. I didn't expect to be treated any differently than any other 60-month CH13, but I was sure hoping for once (in a very long time) the stars were aligning in my favor. Just this once...
23 months left. We've figured it out - how to live with a nearly $3k/month payment (we make decent money, so we have to pay) and still manage the occasional vacation and gifts for the kid. I have learned my lesson. I am damned jealous of those CH7 guys that get to flush it all and walk away. I guess the truth is for me that I don't mind paying - I just looked at the "amount owed" column one time too many and got excited.
I was ready to do this 37 months ago. I'm just finding my fortitude wearing thin lately.
--13for60
Filed in October of 2010 for 60 months. I've had a car loan before, I know how long 5 years is. It's a long time, make no mistake. I've been following my case on the NDC page and watching the "amount owed" column become less and less. About a year ago all the unsecured debt read at "0" and my entire payment was going to the secured stuff. When I do the math, the secured accounts hit zero with February's payment, pretty much to the penny. I thought, "Wow - these attorney people really know how to calculate this stuff down to the nitty gritty!" I even called the Trustee's office several months ago and was told February was when the plan would (and I quote) "conclude." Lucky break..? Me..? I was walking on clouds...
Today, not so much. With four more predicted payments left, I called the Trustee's office again just to confirm what I had been told previously. I was told what I already knew - 60 months is 60 months. The non-secured guys just get more than their agreed-upon percentages. That is, of course, what I agreed to.
For my brothers and sisters who are in for 60 months: Five years is a long frigging time. I just passed three years and it feels like it's dragging. I didn't expect to be treated any differently than any other 60-month CH13, but I was sure hoping for once (in a very long time) the stars were aligning in my favor. Just this once...
23 months left. We've figured it out - how to live with a nearly $3k/month payment (we make decent money, so we have to pay) and still manage the occasional vacation and gifts for the kid. I have learned my lesson. I am damned jealous of those CH7 guys that get to flush it all and walk away. I guess the truth is for me that I don't mind paying - I just looked at the "amount owed" column one time too many and got excited.
I was ready to do this 37 months ago. I'm just finding my fortitude wearing thin lately.
--13for60
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