Going through my situation, I think that at most, I have about $47K in non-dischargeable debt, although as this money was put into the stock market, it could be reasoned that if I felt that it would appreciate at good rate (which indeed it did!), that it would not be considered as being taken out when I was insolvent (the key test for dischargeability.) I have about $3K in my checking account, and $30K in the market, and a joint account of $6K (which may or may not be considered as mine, or even half-mine.) So after paying my attorney a few $K, it looks like I would be able to pay back about 2/3 of the principle of these possible non-dischargeables.
I am wondering if I should or even could negotiate in paying these folks off early, leaving the hard core creditors to fight over scraps.
I am wondering if I should or even could negotiate in paying these folks off early, leaving the hard core creditors to fight over scraps.
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