1 year ago I started a thread that received so much wonderful advice. We had been working with an attorney for a few years... had held off filing so to make sure the timing was right-husband had retired, income amount was changing...We had been served with a warrent, so we needed to file before year end. It came as a complete shock when our attorney told us our payment was going to be $1600/$1700.00 per month and that he wasn't able to fit our cell phone bill, cable/internet bill or life insurance into our budget. We knew we'd never be able to live for 5 years on such a tight budget and after coming here to post our concerns, we fired the attorney. One week later we hired a new attorney and 2 months later we were confilmed with a payment of $300.00 per month. The plan is livable and we were able to keep our cell phones, cable & internet and most importantly our life insurance policies!
Even though the plan is livable and we are getting by okay, we aren't swimming in cash. It's very hard living without credit. In 1 year we've had multipal home repairs that have need to be done...received a bill from the IRS for an error on our returns... one of our auto's needs a gasket repaired to the tune of $2500.00-$3000.00. Also we just received a letter from husbands employee that 1 year ago thay made an error and over paid his disability by $900.00 and can we please send them a check for that amount within 30 days, LOL!
1 year down, 4 years to go, but we will make it!!! Very thankful for this site!
Even though the plan is livable and we are getting by okay, we aren't swimming in cash. It's very hard living without credit. In 1 year we've had multipal home repairs that have need to be done...received a bill from the IRS for an error on our returns... one of our auto's needs a gasket repaired to the tune of $2500.00-$3000.00. Also we just received a letter from husbands employee that 1 year ago thay made an error and over paid his disability by $900.00 and can we please send them a check for that amount within 30 days, LOL!
1 year down, 4 years to go, but we will make it!!! Very thankful for this site!
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