Just got the email from the Attorney. Dh doesn't know yet as he is fast asleep in his big truck somewhere in Missouri. It has been a one LONG year since we retained our BK Attorney.
We were under the State Median Income by about $400 a month. We are attempting to bankrupt $112,892 of which $10,064 is a ParentPllus Loan. Our Bankruptcy Attorney checked the box to reaffirm Dh's truck, but has already told us he cannot sign a reaffirmation agreement & this past month we honestly did not have the money to make the $437.98 a month payment.
Our current monthly income is $3,851.12 (he avg. our tax refunds for the past 2 years & included them as income)Our expenditures are $4,376.92 leaving us in the negative of $525.80. So he told us he would not sign the Reaffirmation on Dh's truck. He did say if he received a Reaffirmation on our home which we are upside down about $2,000 he would sign it.
Our 341 hearing is Nov. 5th at 8:30 am at the Bank of America Building in Little Rock, AR. Attorney had stated hearing probably wouldn't be until middle of the month when we signed on 9/24. He congratulated me on how well I had the papers organized and documentation to backup our monthly expenses.
He did say if he received a Reaffirmation on our home which we are upside down about $2,000 he would sign it. So we missed 9/17 pymt on the 2006 Dodge Dakota. I wonder how long it will take US Bank to file a Relief of Stay.
Sure was quiet today. NO PHONE CALLS except for some Environmental Place & I googled them. They are trying to sell septic systems and we are on City water.
I haven't slept well all week as his new Paralegal did not want to list the CAs' or JDBs' nor if we had two credit cards with the same creditor. Attorney had printed out that info for me to go over on 9/24. I fired off an email to him on 9/25 & told him I wanted every Creditor listed with the $ amount owed & the same for the CAs & JDBs. This went back and forth up until 3:45 pm yesterday. So was on pins and needles wondering if he got it filed - He Did!
A lot of weight has been lifted off my shoulders; however, tons of weight has been added as my twin sister had a double mascectomy this past Friday, Emergency Surgery on Sunday for a hematoma to be cut out & was told Tues. the cancer has spread to her lymph nodes especially the sentinel node.
Already had an appt. on 10/19 with Oncologist, but this was before they knew about the lymph node cancer. I told her, it is was my body, I would be calling and requesting an early date as she had a clear mammogram in April & end of July a Cat Scan of the lung found the tumor in her right breast. That's fast, 3 mths. Breast cancer runs rampant on my mother's side of the family.
So getting this paperwork completed & knowing it's filed eases some. Dh's boss has already told him he would lend him the money for a down payment on a vehicle. To just let him know how much and when. Hoping to keep Dodge as long as possible. Because we haven't been paying our credit cards & still barely making it because of prescriptions we both need and dang medical bills. Some of our Specialists we Need to pay as we cannot go without them.
Want to lay down and wake up on 11/5/09!! O Wait..can't do that. Dh's mom & 88 yrs. old granny are flying in this Sat. morning for a weeks stay. I love em and miss em, but I'm in the bed for a week after they leave. Mebe it will not be as bad this time, as Dh took a vacation week from work.
Luci
We were under the State Median Income by about $400 a month. We are attempting to bankrupt $112,892 of which $10,064 is a ParentPllus Loan. Our Bankruptcy Attorney checked the box to reaffirm Dh's truck, but has already told us he cannot sign a reaffirmation agreement & this past month we honestly did not have the money to make the $437.98 a month payment.
Our current monthly income is $3,851.12 (he avg. our tax refunds for the past 2 years & included them as income)Our expenditures are $4,376.92 leaving us in the negative of $525.80. So he told us he would not sign the Reaffirmation on Dh's truck. He did say if he received a Reaffirmation on our home which we are upside down about $2,000 he would sign it.
Our 341 hearing is Nov. 5th at 8:30 am at the Bank of America Building in Little Rock, AR. Attorney had stated hearing probably wouldn't be until middle of the month when we signed on 9/24. He congratulated me on how well I had the papers organized and documentation to backup our monthly expenses.
He did say if he received a Reaffirmation on our home which we are upside down about $2,000 he would sign it. So we missed 9/17 pymt on the 2006 Dodge Dakota. I wonder how long it will take US Bank to file a Relief of Stay.
Sure was quiet today. NO PHONE CALLS except for some Environmental Place & I googled them. They are trying to sell septic systems and we are on City water.
I haven't slept well all week as his new Paralegal did not want to list the CAs' or JDBs' nor if we had two credit cards with the same creditor. Attorney had printed out that info for me to go over on 9/24. I fired off an email to him on 9/25 & told him I wanted every Creditor listed with the $ amount owed & the same for the CAs & JDBs. This went back and forth up until 3:45 pm yesterday. So was on pins and needles wondering if he got it filed - He Did!
A lot of weight has been lifted off my shoulders; however, tons of weight has been added as my twin sister had a double mascectomy this past Friday, Emergency Surgery on Sunday for a hematoma to be cut out & was told Tues. the cancer has spread to her lymph nodes especially the sentinel node.
Already had an appt. on 10/19 with Oncologist, but this was before they knew about the lymph node cancer. I told her, it is was my body, I would be calling and requesting an early date as she had a clear mammogram in April & end of July a Cat Scan of the lung found the tumor in her right breast. That's fast, 3 mths. Breast cancer runs rampant on my mother's side of the family.
So getting this paperwork completed & knowing it's filed eases some. Dh's boss has already told him he would lend him the money for a down payment on a vehicle. To just let him know how much and when. Hoping to keep Dodge as long as possible. Because we haven't been paying our credit cards & still barely making it because of prescriptions we both need and dang medical bills. Some of our Specialists we Need to pay as we cannot go without them.
Want to lay down and wake up on 11/5/09!! O Wait..can't do that. Dh's mom & 88 yrs. old granny are flying in this Sat. morning for a weeks stay. I love em and miss em, but I'm in the bed for a week after they leave. Mebe it will not be as bad this time, as Dh took a vacation week from work.
Luci
341- 1/21/10
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