Conversion from 13 to 7 / Mostly Gambling Debt
Since gambling seems to come up as an issue lately, I've decided to let other (gamblers) view my "time line," with the bankruptcy ordeal. I'm filing in the state of VA. No assets, all unsecured (approximately $65g's of unsecured debt (cc's/consolidation loans/1 small bank overdraft). Lots of talk in here about waiting 60-90 days if cash advances were made. Based on my time line since I filed, I'm assuming I went beyond the 60-90 days from the time I actually filed for Ch13 through the time I converted to Ch7. I dunno, you tell me, but that's how I view it:
MARCH: applied for another cc - granted $10,000 credit line - transferred over to pay off another cc
APRIL - gambling spree (at least a $4000 cash advance from cc in atlantic city)
MAY - checked into a DMP (unapproved by the courts) i know, dumb - eh
JUNE - got spooked after paying the DMP $500, and almost stood to lose another $3000 in just there fee alone! Did research and decided that BK was best in the end. SCREW the DMP. Got hooked up on this lawyers website, took the CCCS course he had a link too (approved by the courts) got certificate, retained the lawyer.
Note: up until the time I filed I do want to add I was still paying the creditors at least the minimum if not something! as I didn't want to look like I was commiting fraud with those big cash advances!
JULY - got a lucky hit, paid the lawyer $2000, filed Bk end of July
Stopped paying the creditors !
AUGUST - Ch13 341 meeting
SEPTEMBER - Trustee objects to plan
OCTOBER - Meeting before the Judge, he practically said if I quit one job I could file for chapter 7. But if I continue to work 2 full time jobs (in which the courts weren't forcing me to, than I would expect to pay back $800 a month for the next 5 years); I decided to quit one job, and converted my case to chapter 7
NOVEMBER - Ch7 341 meeting
January 8th, last day for objections, awaiting discharge. Im happy to offer this timeline because I know it will help folks like me to kind of get a picture of what they might be up against. Really, not too many issues with my Bk, just the fact that I had been working 2 jobs which threw me over the median. My gambling was never even brought up!
Had I listened to my lawyer in the beginning (quit one job) maybe my Bk would be over by now, but maybe things happened the way they did, as far as putting my cash advances further apart from my filing day/conversion date? WHO Knows.
Hope this helps someone out there worry unnecessarily, Bk is stressful enough don't add to it by worrying too much. We don't pay couple thousand to the lawyer for the system NOT to work, you know?
Maybe I got lucky again just sliding below the radar of the cash advances as one lawyer put it. Who knows! Don't get me wrong - I still worried. When I worry things seem to work out different than what I worried about. When I feel too confident things don't seem to work out. And I still have until next Monday/Tuesday to worry!
(Modifiers, feel free to delete if this post seems too personal)
Best Wishes, Catchmeifyoucan
MARCH: applied for another cc - granted $10,000 credit line - transferred over to pay off another cc
APRIL - gambling spree (at least a $4000 cash advance from cc in atlantic city)
MAY - checked into a DMP (unapproved by the courts) i know, dumb - eh
JUNE - got spooked after paying the DMP $500, and almost stood to lose another $3000 in just there fee alone! Did research and decided that BK was best in the end. SCREW the DMP. Got hooked up on this lawyers website, took the CCCS course he had a link too (approved by the courts) got certificate, retained the lawyer.
Note: up until the time I filed I do want to add I was still paying the creditors at least the minimum if not something! as I didn't want to look like I was commiting fraud with those big cash advances!
JULY - got a lucky hit, paid the lawyer $2000, filed Bk end of July
Stopped paying the creditors !
AUGUST - Ch13 341 meeting
SEPTEMBER - Trustee objects to plan
OCTOBER - Meeting before the Judge, he practically said if I quit one job I could file for chapter 7. But if I continue to work 2 full time jobs (in which the courts weren't forcing me to, than I would expect to pay back $800 a month for the next 5 years); I decided to quit one job, and converted my case to chapter 7
NOVEMBER - Ch7 341 meeting
January 8th, last day for objections, awaiting discharge. Im happy to offer this timeline because I know it will help folks like me to kind of get a picture of what they might be up against. Really, not too many issues with my Bk, just the fact that I had been working 2 jobs which threw me over the median. My gambling was never even brought up!
Had I listened to my lawyer in the beginning (quit one job) maybe my Bk would be over by now, but maybe things happened the way they did, as far as putting my cash advances further apart from my filing day/conversion date? WHO Knows.
Hope this helps someone out there worry unnecessarily, Bk is stressful enough don't add to it by worrying too much. We don't pay couple thousand to the lawyer for the system NOT to work, you know?
Maybe I got lucky again just sliding below the radar of the cash advances as one lawyer put it. Who knows! Don't get me wrong - I still worried. When I worry things seem to work out different than what I worried about. When I feel too confident things don't seem to work out. And I still have until next Monday/Tuesday to worry!
(Modifiers, feel free to delete if this post seems too personal)
Best Wishes, Catchmeifyoucan
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