My 341 is not until October 13th but I had a big thing I was worried about the past few days and tormented the attorneys office with it starting yesterday until I got an answer finally this morning. I was afraid they had left out that I have a flex spending deduction from my check of about $33.00 a pay period and that is why they had made my medical expense a hundred bucks a month. Turned out that was not the case, and they did have the flex spending properly recorded and did an amount they thought will fly with the trustee and all is well...
I am a pretty straight forward case, below median, no assets, medium debt load (not the kind that will interest the US trustee, in all likelyhood). My expenses are pretty much in line with reality and with the federal standards, some are lower and some are higher but nothing there to raise big eyebrows my attorney'e office assures me.
SO, why am I so freakin' nervous?? Not to mention so downright obsessed with this process?? H-e-double toothpick, even if they had double counted the medical thing, I would STILL not be running into abusive disposable income because I would be under 10,000 over five years and also under 25% of the debt I am trying to discharge! The good thing about being obsessed is you do your research!
So, why oh why am I a basket case. My mom was completely right today when she said I just really needed to calm down and I have no problem here whatsoever. I know that, so this weekend I am going to do my best to do exactly that and think about any and everything BUT the BK.
My mom and a friend too independently suggested that maybe I just have guilt about this that is feeding my anxiety. Which considering that most of my creditors already got somewhere between 40-70% of what I genuinely owed them (the rest is interest and charges) is actually pretty misplaced. Then, there was all that money some of them made on selling the debts and using them for a tax credit besides!
Funny how they win and we lose in ways even when we file BK!
Anyway, I am off to try to calm down to something like normal.
I am a pretty straight forward case, below median, no assets, medium debt load (not the kind that will interest the US trustee, in all likelyhood). My expenses are pretty much in line with reality and with the federal standards, some are lower and some are higher but nothing there to raise big eyebrows my attorney'e office assures me.
SO, why am I so freakin' nervous?? Not to mention so downright obsessed with this process?? H-e-double toothpick, even if they had double counted the medical thing, I would STILL not be running into abusive disposable income because I would be under 10,000 over five years and also under 25% of the debt I am trying to discharge! The good thing about being obsessed is you do your research!
So, why oh why am I a basket case. My mom was completely right today when she said I just really needed to calm down and I have no problem here whatsoever. I know that, so this weekend I am going to do my best to do exactly that and think about any and everything BUT the BK.
My mom and a friend too independently suggested that maybe I just have guilt about this that is feeding my anxiety. Which considering that most of my creditors already got somewhere between 40-70% of what I genuinely owed them (the rest is interest and charges) is actually pretty misplaced. Then, there was all that money some of them made on selling the debts and using them for a tax credit besides!
Funny how they win and we lose in ways even when we file BK!
Anyway, I am off to try to calm down to something like normal.
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