Hi, new here but I'm sure you'll be seeing a lot of me
Hopefully some of you can answer my questions.
I did a few high balance transfers back in Oct and Nov when we were running out of money so I could pay some bills~ it was directly deposited into my bank instead of paying another cc (I was trying to juggle money knowing I could make min payments on everything for months with this amount). I can account for every penny. I get conflicting answers on if I have to repay this when I file since it was so close to filing (hoping to file in Aug or Sept). I won't be able to wait until Nov to file because we are already late on things.
Next question: my car is too much to pay without 2 incomes ect.. I want to let it go and start over- how long do banks take to repo a car? I have car seats in there and I can't afford to buy new ones if they take the car when I'm not ready. It's a major bank. I don't want to pay to keep it fully insured and I don't want to pay on the upcoming registration. I plan on borrowing a family members car- is that okay to do?
Also, I don't know if this will look bad on us but we are both in school (our income qualified for aid so why not use it to better ourselves?) My husband lost his income last year and started with FT school when he was unable to find a job- any job. As for me, I didn't always work FT (I was in school, we don't have daycare or family nearby and I have to work around our schedules, and sometimes I get called off of work because of census although I was scheduled) In other words, I don't work FT with my other responsibilities- even if I did we still couldn't pay. I'm worried about not having FT employment and how that will look.
I think that is all keeping me up at night.. any responses would be great. Thanks.
Hopefully some of you can answer my questions.I did a few high balance transfers back in Oct and Nov when we were running out of money so I could pay some bills~ it was directly deposited into my bank instead of paying another cc (I was trying to juggle money knowing I could make min payments on everything for months with this amount). I can account for every penny. I get conflicting answers on if I have to repay this when I file since it was so close to filing (hoping to file in Aug or Sept). I won't be able to wait until Nov to file because we are already late on things.
Next question: my car is too much to pay without 2 incomes ect.. I want to let it go and start over- how long do banks take to repo a car? I have car seats in there and I can't afford to buy new ones if they take the car when I'm not ready. It's a major bank. I don't want to pay to keep it fully insured and I don't want to pay on the upcoming registration. I plan on borrowing a family members car- is that okay to do?
Also, I don't know if this will look bad on us but we are both in school (our income qualified for aid so why not use it to better ourselves?) My husband lost his income last year and started with FT school when he was unable to find a job- any job. As for me, I didn't always work FT (I was in school, we don't have daycare or family nearby and I have to work around our schedules, and sometimes I get called off of work because of census although I was scheduled) In other words, I don't work FT with my other responsibilities- even if I did we still couldn't pay. I'm worried about not having FT employment and how that will look.
I think that is all keeping me up at night.. any responses would be great. Thanks.
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