On the advice of our attorney we will be filing in about 6 months. We have 10 grand in a savings account for insurance deductible and to make it through the winter as my husbands employment is seasonal and we will be short over the winter. attorney said if we file now they will take all that and we will be out of luck for the winter and have to struggle to get through the winter months, also the 6 month look back will be lots lower if it includes the job attached unemployment months.
The big question though, he said that we need to spend that money to survive the winter but we will need receipts. He said to take care of some health/dental/vision things that have been neglected for way to long because of putting credit card payments first and to purchase some things that are broken like a vacuum etc and see if we can find somewhere bigger to move into (we have been living in under 1000 square foot with 2 almost teenage kids and they sleep in the garage that has carpet laid down in it).
The whole receipt thing is blowing my mind though. How particular are they in looking at those receipts? This year for the first time in years we were able to actually just go buy our kids school supplies, before my parents would get the bare minimum of uniforms and I would start in the spring buying one thing at a time to have the minimum required school supplies by fall. So is that receipt an "unusual expense"? Does that count in the receipts? I am just puzzled as to how to make this all work out. And I don't know how to "live a little"...we have been unbelievably strapped for 7 years at this point, barely making enough to cover the CC bills and living expenses. We have not charged anything in all that time so we don't know how to spend money I guess. I feel like I am being totally paranoid...but we were listing our property for the exemption list, and we have literally NOTHING! Our most valuable possessions are my electric piano and my violin and when I had them assessed for insurance last year the total value was about 500 dollars. So if we buy a vacuum etc are they going to try to take that away from us because we "blew some money unneccesarily?" Are they going to say that going to the dentist was not necessary? We always managed for the kids to go but I haven't been to the doctor or dentist for 8 years, since we lost that insurance coverage.
Also, we had a situation where our youngest was in the hospital for an accident that resulted in a skull fracture and blood on the brain about 3 weeks ago. we have accident coverage that has a 75 dollar deductible but the attorney says we have to wait to file long enough to see how those bills all shake out because if we are filing we need to just include that too. Now my feeling is that it is unethical to just list the hospital when we recieved services there...of course it is hospital bills that got us into this to begin with but I just feel totally lost about this.
Thanks for any input anyone can give me!
The big question though, he said that we need to spend that money to survive the winter but we will need receipts. He said to take care of some health/dental/vision things that have been neglected for way to long because of putting credit card payments first and to purchase some things that are broken like a vacuum etc and see if we can find somewhere bigger to move into (we have been living in under 1000 square foot with 2 almost teenage kids and they sleep in the garage that has carpet laid down in it).
The whole receipt thing is blowing my mind though. How particular are they in looking at those receipts? This year for the first time in years we were able to actually just go buy our kids school supplies, before my parents would get the bare minimum of uniforms and I would start in the spring buying one thing at a time to have the minimum required school supplies by fall. So is that receipt an "unusual expense"? Does that count in the receipts? I am just puzzled as to how to make this all work out. And I don't know how to "live a little"...we have been unbelievably strapped for 7 years at this point, barely making enough to cover the CC bills and living expenses. We have not charged anything in all that time so we don't know how to spend money I guess. I feel like I am being totally paranoid...but we were listing our property for the exemption list, and we have literally NOTHING! Our most valuable possessions are my electric piano and my violin and when I had them assessed for insurance last year the total value was about 500 dollars. So if we buy a vacuum etc are they going to try to take that away from us because we "blew some money unneccesarily?" Are they going to say that going to the dentist was not necessary? We always managed for the kids to go but I haven't been to the doctor or dentist for 8 years, since we lost that insurance coverage.
Also, we had a situation where our youngest was in the hospital for an accident that resulted in a skull fracture and blood on the brain about 3 weeks ago. we have accident coverage that has a 75 dollar deductible but the attorney says we have to wait to file long enough to see how those bills all shake out because if we are filing we need to just include that too. Now my feeling is that it is unethical to just list the hospital when we recieved services there...of course it is hospital bills that got us into this to begin with but I just feel totally lost about this.
Thanks for any input anyone can give me!
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