My last balance transfers were done back in Nov. In early Nov, one was $4500 and at the end, another was $1700. Half went to pay off a card and the other half went into my bank account. I stopped paying on my house in March (for the notice of acceleration already), my car in April and I kept paying on only the cc's I did bal transfers through this month- the others were not paid in April. Next month, none get paid.
My husband had some random income in March (from his business that is going down). I had been worried about EXTRA self employment questions and extra paperwork that I don't have prepared ect.. He owes these banks money so calling will be an ordeal to get additional paperwork. He never really made a lot in his business over the past 5 years and I actually think that looks bad (why continue doing something you can barely keep afloat and feed your family type thing?).
Anyway, I just graduated and earned a new "title" in my profession that gives me the ability to make a lot more than what I WAS making. But, I don't want to do the stuff that get's paid well- it is of no interest to me. I like what I currently do and although I can stay at my job in my new title, I still get a raise! The raise is effective this week (it was automatic with that title). I'm worried about them thinking I can go into a Ch 13 with the new raise. So I'm thinking filing in July or Aug will be better than waiting until Sept or Oct because my 6 month income will be lower if I file earlier...
My husband had some random income in March (from his business that is going down). I had been worried about EXTRA self employment questions and extra paperwork that I don't have prepared ect.. He owes these banks money so calling will be an ordeal to get additional paperwork. He never really made a lot in his business over the past 5 years and I actually think that looks bad (why continue doing something you can barely keep afloat and feed your family type thing?).
Anyway, I just graduated and earned a new "title" in my profession that gives me the ability to make a lot more than what I WAS making. But, I don't want to do the stuff that get's paid well- it is of no interest to me. I like what I currently do and although I can stay at my job in my new title, I still get a raise! The raise is effective this week (it was automatic with that title). I'm worried about them thinking I can go into a Ch 13 with the new raise. So I'm thinking filing in July or Aug will be better than waiting until Sept or Oct because my 6 month income will be lower if I file earlier...
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