I have been paid up with my attorney since late November.
I had hoped to file in 2009, but obviously that didn't happen.
I had hoped to file in the first couple of weeks of January . . . obviously that didn't happen.
I had hoped to file before mid-February . . . obviously that didn't happen.
Every time I call or drop in, I'm told soon . . . but they always need something else.
My business is seasonal(surveying). The last 2 winters have been devastating, but each spring I get enough work to get through . . . almost. Last winter was the worst and it followed a less than stellar summer.
I have a boat I would like to keep and it's value is what I tried for 3-4 months to sell it at.
SO . . . since everything is taking SOOOOO LOOOOONG, I fear, the BK will be filed when I'm finally earning more money and if it is in spring, the boat will probably look more worthwhile to the trustee.
If I'm "unlucky", I might earn enough money(as sometimes I do in the short-term), to complicate filing a chapter 7(?).
My last bit of "bad news", is that my work truck(which I just paid $1400 to get caught up and buy new tires . . . sold some work equipment), might be taken from me if the trustee "feels" that I can't keep up with payments.
Of course without the truck, if and when I get work, I might not be able to do the work and if there's even a possibility of this happening, then that $1400 was just wasted. Now I have to weigh my chances of work picking up in the short-term enough, to make making the payments for the next month or 2(another $420), worthwhile.
I also had to re-up my phone contract and am fearful of that being taken away if the trustee feels I don't "need" it or whatever.
I've been having heart problems and this phone is my only means of communications. This phone is also tied into my business phone(a trunk-line extension, which costs $20 a month). Without the cell-phone my business phone costs will increase to almost $70 a month and of course, I wouldn't have the cell-phone if anything happens to me while I'm in the woods/swamp doing work . . . to earn money.
In any case, I'm beginning to wonder if climbing under a rock would be a better alternative to my attorney and the BK court and the possibilities that my attorney is implying could happen.
I'm really beginning to think that the BK system is evidently not made to work for a sole-proprietor, and at 60 years old with all my older brothers now dead(all before 60), I'm just really wondering if all this is even worth it.
I had hoped to file in 2009, but obviously that didn't happen.
I had hoped to file in the first couple of weeks of January . . . obviously that didn't happen.
I had hoped to file before mid-February . . . obviously that didn't happen.
Every time I call or drop in, I'm told soon . . . but they always need something else.
My business is seasonal(surveying). The last 2 winters have been devastating, but each spring I get enough work to get through . . . almost. Last winter was the worst and it followed a less than stellar summer.
I have a boat I would like to keep and it's value is what I tried for 3-4 months to sell it at.
SO . . . since everything is taking SOOOOO LOOOOONG, I fear, the BK will be filed when I'm finally earning more money and if it is in spring, the boat will probably look more worthwhile to the trustee.
If I'm "unlucky", I might earn enough money(as sometimes I do in the short-term), to complicate filing a chapter 7(?).
My last bit of "bad news", is that my work truck(which I just paid $1400 to get caught up and buy new tires . . . sold some work equipment), might be taken from me if the trustee "feels" that I can't keep up with payments.
Of course without the truck, if and when I get work, I might not be able to do the work and if there's even a possibility of this happening, then that $1400 was just wasted. Now I have to weigh my chances of work picking up in the short-term enough, to make making the payments for the next month or 2(another $420), worthwhile.
I also had to re-up my phone contract and am fearful of that being taken away if the trustee feels I don't "need" it or whatever.
I've been having heart problems and this phone is my only means of communications. This phone is also tied into my business phone(a trunk-line extension, which costs $20 a month). Without the cell-phone my business phone costs will increase to almost $70 a month and of course, I wouldn't have the cell-phone if anything happens to me while I'm in the woods/swamp doing work . . . to earn money.
In any case, I'm beginning to wonder if climbing under a rock would be a better alternative to my attorney and the BK court and the possibilities that my attorney is implying could happen.
I'm really beginning to think that the BK system is evidently not made to work for a sole-proprietor, and at 60 years old with all my older brothers now dead(all before 60), I'm just really wondering if all this is even worth it.
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