What do I say if asked about this loan??

[happy_ira]

I think I told you that I had to sell my paid-for car before filing, or I would have lost it, since it was worth 10K. I don't get sentimental about cars, but it meant a lot to me that the car was paid for. Worst of all, I HATE leases. But I trusted my lawyer, and I found a dealer willing to do it, and I took the leap. I put down just enough to stay under the NY exemption of $2,400, and literally sank most of the rest in the ground - paying for a septic system on my exempt homestead.

That felt at least as weird and eyebrow-raising as taking out a loan the day before filing, and I was a wreck about it. But it's just standard operating procedure, I guess. So now I'm stuck in a lease I would never in a million years have gone for, but it's a very small price to pay for peace of mind. In a week or so I hope to be able to say that my land and everything on it is mine all mine, free and clear, and that once the stupid lease is up, I'll be free to make better choices.

Sounds like it was well-conceived and properly carried out plan that kept things in check.