Just got back

[drowningintn]

How high were your cc balances? Ours are around $180,000. We will be filing soon because of lay offs and no prospects of future employment. I wish you the best.

[kathy4530050]

The attorney suggested to get a year's worth when we first consulted. I have a big income, but big expenses so I pass the means test. Likewise, I have huge credit card debt and no assets or secured debts. So the question came from the UST "where is all the money; what did you buy".

They asked for all that data. The fact is even I do not know how it happened. In my research through files, I found HUNDREDS of those checks for cash advance or balance trasfers. I found dozens of pre-approvals. I found that the banks made it all seem so simple to use their cards for everything from insurance to utilities to gasoline to McDonalds. When it runs up, transfer to another offer. Then the bottom drops out and credit lines are cut and nobody will transfer anything. Travel here, travel there. Buy buy buy. In the end I get nothing but bills. Honestly no real purchases of anything much.

I have a complete inventory of my household items. I would sell the whole lot of it for a little money and be glad for it. I want to start over fresh. I made mistakes and I have nothing to show for it. Honestly I cannot pay anything. I barely make it check to check.

Remember the saying "you can't get blood from a rock" that's me. I just can't make it. I thought BK would help but the stress has been so brutal and I am not even up to my 341 yet. I have spent at least 100 hours in searching boxes of my receipts and statements. I have also spent $120 in copying just the 2152 pages of credit card and bank statements for them. Nice huh?

Yikes! What a monster headache!! I pray to God that I don't experience what you are . . . sure hope things start looking better for you.

[UhOh]

$170,000 in cc. I cannot imagine I did that but I did. I remember the first time I let any balance stay on over a statement period and paid that first $5 finance charge. Little did I know how things would fall apart and how quickly it happened. Mostly because I never changed my style of living when income did not supprt anything close to it. Layoffs and job prospects are so horrible for those in need right now. I am thankful to have a job that pays well.

I learned the hard lesson and I won't be headed down the credit path again. Life is on hold as I fight the system for a while. It is brutal and I deserve it because of my poor choices. Now just convincing the courts that I have and really need the new start is the task.