Signed my ch 7 papers today....

[deadbroke99]

I am so nervous. I have been reading this board religiously since December. I signed my papers today. We are borderline on Ch 7 due to income. We waited as long as possible for a extra paycheck to drop off and some items that we sold on ebay. We are over median but we have a 1500.00 mortgage that helped. We listed things that the paralegal said most people forget about such as vet care and pet food, extra cirricular activities for the kids, added insurance cost when 16 year old dd gets her driver's license next month, haircuts and other personal care items. I am suprised that so many people don't list that stuff. I know everyone on here is smart enough to do that. I am just ready for this to be over with!

[jb300]

I hear you.... I want this over so badly. I just filed a week ago today, Chapter 7. So I am hoping by the end of summer this nightmare is over and life will begin again.

We will probably be in the 60 day club together.

[DeadManCrawling]

Waiting for news of another surgery, then I hope to join that mythical 60 day club.

We are also over the median, but have a 4k mortgage payment, 2k per month in medical, and 2k per month in utilities and maintenance (WAY too much house!).

Good luck in all of it, and hope to see you there soon!

[chad9162]

We waited as long as possible for a extra paycheck to drop off and some items that we sold on ebay.

What district in are you in? The reason I ask is that selling things on EBAY isn't usually considered "income" since you usually sell it at a loss.

[deadbroke99]

What district in are you in? The reason I ask is that selling things on EBAY isn't usually considered "income" since you usually sell it at a loss.

I am in South Carolina, not sure of district. Upstate SC?

[albacore44]

I am so nervous. I have been reading this board religiously since December. I signed my papers today. We are borderline on Ch 7 due to income. We waited as long as possible for a extra paycheck to drop off and some items that we sold on ebay. We are over median but we have a 1500.00 mortgage that helped. We listed things that the paralegal said most people forget about such as vet care and pet food, extra cirricular activities for the kids, added insurance cost when 16 year old dd gets her driver's license next month, haircuts and other personal care items. I am suprised that so many people don't list that stuff. I know everyone on here is smart enough to do that. I am just ready for this to be over with!

Guess i'm not smart enough. Mine just started driving and I assumed you could only include operating costs for 2 drivers. Did you take this insurance deduction in addition the IRS standard for auto operating costs ??

[deadbroke99]

Guess i'm not smart enough. Mine just started driving and I assumed you could only include operating costs for 2 drivers. Did you take this insurance deduction in addition the IRS standard for auto operating costs ??

The lawyer said you can include increases that your going to have in the next year if they are significant. I don't know how or where they put it.I don't have a copy of my papers yet.