I spent my income tax refund of $422 on a combined candle party/cocktail party

[aa06a47]

it depends on what they knew and when they knew it. the individuals I was speaking to are the ones who know that when they take cash advances that they are going to file and also know that doing so is wrong. they suck. and it
appears you agree with me. right?

I don't think they suck, I don't even know them. I think they are being careless and potentially destructive to there financial situation. I am not sure why people are hung up on cash advances. Any credit card transaction, whether it is for food, gas, or cash, is really a cash advance. If you take a cash advance to put money in the basement to have after you file, yes, you would need integrity building classes. If you take cash advances to buy your kids food or a winter coat then your surviving.

[jane taylor]

I've got a dear friend from college who is a recovering alcoholic (14 years sober now!) who once told me very frankly, "We're gonna have a hell of a time gettin' you sober!" He wasn't just talking about alcohol, although I'll admit I've overindulged at times. That 4th step in AA "the fearless, moral inventory" was a tough one for me, but so vital!

I'll admit to the "high" I felt when I bought new clothes. Anything or anyone can be a drug--even religion--if it's used to mask real feelings.

Excuse the psychobabble--just my experience.

[aa06a47]

AMEN Sister Jane Taylor.....

[Minnymouth]

I Have To Agree - 100%

Anything - And I Mean Anything Can Be Addictive......

[FoolAndHisMoney]

Amen, Aa!!

That's us!! Our credit limits totalled together are double what we make in a year.

I was tossing all the credit offers we got in the trash. But now I'm saving them as evidence to take to Court.
The other day, I got a new card in the mail. It's one of the CC's I owe to and haven't paid a payment to in 4 months. But, yet, they sent me a new card??!!

Another one of CC companies, that we haven't paid in 4 months, just sent us a pre approved Home Equity loan letter.

I have several things like that. All dated since we hired our attny to file BK for us a week ago. I'm gonna take it all to the 341 with me and if I get any guff at all from the Trustee or the Judge, I'm gonna dump it all on the floor in the Court room. CC's are just like drug pushers!!

If I'm not posting for a while, you'll know I'm in the clink for Contempt of Court.

Good move sink. I read a case (when I find it I'll post it) where a credit card company was disputing a cash advance and the debtor showed the judge a letter he recently got from the same creditor congradulating him on his discharge and offered him more credit, post discharge. All this while the creditors attorney was claiming fraud to the judge. I'm sure the judge was pleased. Of course the disputed debt was discharged Ha Ha!

[fellowpoorman]

It truly is amazing what happens when making money is involved, all sense of reason seems to go out the door. This is America- Anything for a buck! You are quickly forgiven for past errors, now lets talk business!

[fellowpoorman]

Good move sink. I read a case (when I find it I'll post it) where a credit card company was disputing a cash advance and the debtor showed the judge a letter he recently got from the same creditor congradulating him on his discharge and offered him more credit, post discharge. All this while the creditors attorney was claiming fraud to the judge. I'm sure the judge was pleased. Of course the disputed debt was discharged Ha Ha!

Congrats on quitting drinking, first rounds on me!

[aa06a47]

Congrats on quitting drinking, first rounds on me!

I will definatly keep any solicitations from my creditors. My biggest creditor,A sent me some soliciations to transfer balances to that card, about 2 months after they "cancelled" the card. I figured it was a mistake and just threw it away.

[queerguy]

Holy Crap, 1,700 views on my little thread!!!!!!!!

I am a hero!!!, actually 1675 views, but hey, after I post again it will zoom past 1,700. Been doing a little reading on the forum in regards to my situation. I have been utilizing the head in the sand approach strategy lately. I know thats a bad strategy; well ta ta I gotta go to the pet store. Bye!!!!!!!!!!!!


Hey, maybe I could hold my candle party on this thread, you know with all the interest and such?????????????????