well, I ran into an interesting predicament this weekend.
I filled out all the paperwork (was planning on filing this past monday). Took the debtor education course , received my certificate and went to eat.
Stopped by the casino just for a few moments and ended up winning a significant jackpot (~40k).
Now, I am almost 100% sure that ruins my bankruptcy chances since i haven't filed yet and this could pay off a significant portion of my debts, unless I can somehow exempt it. I received a 1099 for it and they did take out federal/state taxes.
I have not deposited into my bank account yet. I wish this would have happened after my discharge so I could really get off to a fresh start, but I can't really complain.
Most of my debt is interest charged because of judgments. (3800 judgment turned into 12k garnishment) and debt that isn't listed on my credit report.
What should I do? DO you guys have any options? I figured I can start calling my creditors and trying to offer 50% of what I owe to pay it off and then get a secured credit card?
Anyway I can exempt this money and get my dream fresh start?
I filled out all the paperwork (was planning on filing this past monday). Took the debtor education course , received my certificate and went to eat.
Stopped by the casino just for a few moments and ended up winning a significant jackpot (~40k).
Now, I am almost 100% sure that ruins my bankruptcy chances since i haven't filed yet and this could pay off a significant portion of my debts, unless I can somehow exempt it. I received a 1099 for it and they did take out federal/state taxes.
I have not deposited into my bank account yet. I wish this would have happened after my discharge so I could really get off to a fresh start, but I can't really complain.
Most of my debt is interest charged because of judgments. (3800 judgment turned into 12k garnishment) and debt that isn't listed on my credit report.
What should I do? DO you guys have any options? I figured I can start calling my creditors and trying to offer 50% of what I owe to pay it off and then get a secured credit card?
Anyway I can exempt this money and get my dream fresh start?
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