My Chapter 7 is filed!

[pikaroth]

Congratulations on the start! My attorney cannot file for me until mid-January, but I cannot WAIT for that day. Please keep us posted every step of the way!

[ValleYum]

Congratulations on the start! My attorney cannot file for me until mid-January, but I cannot WAIT for that day. Please keep us posted every step of the way!

Hi pika!

I just wanted to tell you that I am hoping the days up to mid-January go by very quickly for you. It must be agonizing to wait. :::hugs:::

~V~

[BKlooker]

My attorney cannot file for me until mid-January, but I cannot WAIT for that day

Wow pika that's a long time to wait! what gives?

[pikaroth]

Wow pika that's a long time to wait! what gives?

Credit card usage. I used a credit card in mid-October for some stuff, and then a bit later I finally had to admit the BK route was the only way I could go. And as most said here, my attorney agreed with - no CC use for at least 90 days. That puts me into January, so I sit here and wait.

[BKlooker]

wow...yea i was gonna go the same route, but i had charges in Oct., but for really small stuff...gas/groceries, etc. My attorney said since none of the charges were less than 'neccesary' life expenses, because the total amount charged for any of the charges was never more than $200, and that i had paid my CCs on time every month right up until the month before I filed, i was safe to file. It costs them money come after you for charges, so it's gotta be more than a grand for a given charge for it to be worth their while, and even then it's rare.

[pikaroth]

wow...yea i was gonna go the same route, but i had charges in Oct., but for really small stuff...gas/groceries, etc. My attorney said since none of the charges were less than 'neccesary' life expenses, because the total amount charged for any of the charges was never more than $200, and that i had paid my CCs on time every month right up until the month before I filed, i was safe to file. It costs them money come after you for charges, so it's gotta be more than a grand for a given charge for it to be worth their while, and even then it's rare.

I have previously gone into detail in other threads, but I WISH my most recent use was just groceries. I had literally been living paycheck to paycheck for over a decade, probably longer. Then in October I took my car in for a normal service, expected to spend approximately $200 or less, and in the end I needed all new brake pads (I really did) as well as some more stuff and it ended up being over $600. No joke, at that MOMENT I knew I was done. Instead of using my debit card with the few hundred I had saved, I was forced to get out the Discover card and any and all progress I had made was instantly gone. That coupled with my other debt over the years, and I just had an awakening at that moment. It had always been in the back of my head, should have done it years ago, but that was it.

A week later I met with a lawyer, retained him, and was told to stop making my CC payments. Fast forward to yesterday, and I got paid and made my electric bill payment, my car payment, my insurance, my water, my cable, my cell phone, renewed my tag on my vehicle, and I STILL had a few hundred dollars left over. It's incredible in every way, and for those that are suffering, all I can say is that if you ever decided to go this route, the feeling is amazing even before you file. Yes, I was sick to my stomach and did a ton of soul searching. Yes it was difficult to not make payments at first. Yes the phone calls get annoying as to the letters in the mail, but my filing time is fast approaching and that LONG three months is now down to a month and a half.

Also, as I've said before, while I know I COULD have done all of this without this forum, I know for certain that it would not have been as easy. Everyone here has been outstanding even if only offering encouragement.

Okay, anyway, that's my long answer as to why I am waiting the three months.